Total Assets
$4.1B
Total balance-sheet footings
FDIC Cert #20164 · Sandy, Utah · Est. 1970
Sunwest Bank - FDIC Bank Health Profile
A community-scale look at Sunwest Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $4.1B
- Total assets
- A
- Health grade · Excellent
- 1.93%
- Return on assets
- 10.1%
- Tier 1 capital
Data updated July 2026
The verdict
Sunwest Bank earns a PlainBankData health grade of A (85/100), with well-capitalized at 10.12% Tier 1, profitable at 1.93% ROA, efficient (57% cost ratio).
- #334
- largest of 4,313 FDIC banks by assets
- 92nd
- percentile by asset size, nationally
- 10.12%
- Tier 1 ratio - above the 10% well-capitalized line
- 89th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Sunwest Bank's 85/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Sunwest Bank's composite health score
Tier 1 Capital Ratio (10.12%) 28/40
Return on Assets (ROA) (1.93%) 25/25
Texas Ratio (4.31%) 20/20
Efficiency Ratio (56.62%) 12/15
85 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$3.2B
Customer-funded liabilities
Net Loans
$3.3B
Outstanding loan book
Net Income
$72M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Sunwest Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Sunwest Bank's score of 85/100 falls in the highlighted band.
Sunwest Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Sunwest Bank's $4.1B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.12% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.12%
Texas Ratio
4.31%
Equity Capital
$382M
Profitability metrics
Return on Assets (ROA)
89th percentile nationally
1.93%
Return on Equity (ROE)
20.76%
Efficiency Ratio
56.62%
What the numbers say about Sunwest Bank
Sunwest Bank is an FDIC-insured institution (Certificate #20164) headquartered in Sandy, Utah, established in 1970. It holds $4.1B in total assets - 334th of 4,313 FDIC-insured banks, $3.2B in customer deposits, and $3.3B in net loans. Looking at capital strength, Tier 1 stands at 10.12%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 4.31%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of A (85/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Sunwest Bank's asset base places it among the largest FDIC-insured institutions in the country, 334th of 4,313 nationally, and 17th of 42 banks headquartered in Utah. Only Celtic Bank ($4.8B) is larger within the state. At this scale, the bank's own capital and asset-quality trends are a meaningful signal for the regional banking sector, not just its own depositors.
Income & expense breakdown
$216M
Interest Income
$21M
Non-Interest Income
$108M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Sunwest Bank reports a Texas Ratio of 4.31% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
4.31% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Utah by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Sunwest Bank (FDIC Cert #20164) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Utah
All Utah banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Morgan Stanley Bank, National AssociationSalt Lake City | $253.3B | A | 1.86% |
| American Express National BankSandy | $211.3B | A | 3.89% |
| Ally BankSandy | $184.6B | A | 0.91% |
| UBS Bank USASalt Lake City | $119.3B | A | 1.13% |
| Synchrony BankDraper | $112.1B | A | 2.89% |
| Zions Bancorporation, N.A.Salt Lake City | $89.0B | B | 1.01% |
| SoFi Bank, National AssociationCottonwood Heights | $46.6B | A | 1.96% |
| Sallie Mae BankSalt Lake City | $29.7B | A | 2.90% |
Frequently asked questions
What is Sunwest Bank's health grade?▼
Sunwest Bank receives a health grade of A (85/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Sunwest Bank?▼
Sunwest Bank holds $4.1B in total assets and $3.2B in deposits, ranking 334th of 4,313 FDIC-insured banks by asset size. It is headquartered in Sandy, Utah.
Is my money safe at Sunwest Bank?▼
Yes, deposits at Sunwest Bank (Certificate #20164) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Sunwest Bank's Tier 1 Capital Ratio?▼
Sunwest Bank has a Tier 1 Capital Ratio of 10.12%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Sunwest Bank?▼
Sunwest Bank has a Texas Ratio of 4.31%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Sunwest Bank?▼
Sunwest Bank has an Efficiency Ratio of 56.62%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Sunwest Bank's profile as a depositor or analyst.
- Sunwest Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Sunwest Bank against other Utah banks before moving funds. Utah banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.