# SUNSTATE BANK
MIAMI, FL · FDIC certificate 34643 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $580.4M | |
| Deposits | $502.7M | |
| Loans and leases | $341.9M | |
| Total equity | $73.2M | |
| Loans / deposits | 67.39% (p21 of band) | 82.04% |
| Liquid assets / assets | 37.30% (p79 of band) | |
| Uninsured deposits / deposits | 39.38% (p87 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.45% (p62 of band) | 10.81% |
| Unrealized securities loss / equity | 0.40% (p99 of band) | -8.10% |
| AOCI / equity | -0.97% (p23 of band) | |
| ROA (annualized) | 1.01% (p33 of band) | 1.28% |
| Net interest margin | 3.51% (p28 of band) | 3.91% |
| Efficiency ratio | 72.30% (p78 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p20 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 88% | |
| Construction % of loans | 14.16% (p18 of band) | |
| Auto loans | $583,000 (0.17% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 10.6% | |
| Employees | 79 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | losing money, noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 |  |  |
| 2012-03 | 3 | assets shrinking | losing money, noncurrent p90 |
| 2012-06 | 5 | deposits shrinking, uninsured deposits leaving |  |
| 2012-09 | 2 |  | assets shrinking, deposits shrinking, uninsured deposits leaving |
| 2012-12 | 1 |  | charge-offs p90 |
| 2013-03 | 1 |  |  |
| 2013-06 | 1 |  |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 2 | noncurrent p90 |  |
| 2014-06 | 3 | charge-offs p90 |  |
| 2014-09 | 4 | expense ratio p90 |  |
| 2014-12 | 4 | capital falling | charge-offs p90 |
| 2015-03 | 0 |  | reserve under noncurrent, noncurrent p90, expense ratio p90, capital falling |
| 2015-06 | 1 | expense ratio p90 |  |
| 2015-09 | 4 | reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2015-12 | 4 | uninsured deposits leaving | reserve under noncurrent |
| 2016-03 | 4 |  |  |
| 2016-06 | 5 | reserve under noncurrent |  |
| 2016-09 | 3 | capital falling | deposits shrinking, assets shrinking, reserve under noncurrent |
| 2016-12 | 2 |  | uninsured deposits leaving |
| 2017-03 | 1 |  | expense ratio p90 |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 0 |  | capital falling |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | expense ratio p90 |  |
| 2018-12 | 0 |  | expense ratio p90 |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | wholesale funding >15% |  |
| 2020-09 | 1 | NIM <2.5% | wholesale funding >15% |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 1 |  | capital falling |
| 2021-12 | 0 |  | NIM <2.5% |
| 2022-03 | 1 | NIM <2.5% |  |
| 2022-06 | 2 | deposits shrinking, assets shrinking | NIM <2.5% |
| 2022-09 | 2 |  |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 0 |  | deposits shrinking, assets shrinking |
| 2023-09 | 0 |  |  |
| 2023-12 | 0 |  |  |
| 2024-03 | 0 |  |  |
| 2024-06 | 1 | capital falling |  |
| 2024-09 | 1 |  |  |
| 2024-12 | 1 |  |  |
| 2025-03 | 1 |  |  |
| 2025-06 | 0 |  | capital falling |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2019-04-30 [Sunstate Bank Sponsors Deering Estate’s Field Study Program for School Children - Miami's Community News](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPQjdyd2FHQ2h0M2ZJUVdsS1NpUXJINm0tOWtuV3l0ZktmZW5HU0VfRWc4TTFtTXQzSE5FejhfbkVIS3g2TklYeV91TjJwVmtoMG5SeW0zV3pxSFN0NGQ1MDBTbDY2SU9GYU1vRU9oazdfZ0huUmg5dGVveTBtYmZ0UThLQ3AyenhYNjQ2UDhmS2pWamlpYkVwMWd2Vmt5aXVhTFRTaEJ1VjlieUp5WFFRVDBucnZQdm0yQVBnRi1JN0lldHpmQUxIdQ?oc=5) · Miami's Community News
- 2018-09-06 [Sunstate Bank closes acquisition of Miami-Dade competitor - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxObEpwV1NYaE9FMXBlLVh1V3RRWklxa012aTlXc2dPX0pueHoyZWloWi1jZEJjc2VNSHoxVnRCQlpSem95NEg1bEUzTVRSTVRqTGF2YTVieDl0aU5NSmUzS2VFaEdwSDBDOHAtYzladnl5cTRsQXZ5RWp0QWVDNk5ucEdnbGI2UjZVNElPR0tkV0k2SFl4Z0Yta2dHZVZYd1NQYnV3R2RDdVBCVjlf?oc=5) · The Business Journals
- 2024-12-31 [54 Hispanic American-Owned Banks and Credit Unions, Sorted by State - businessinsider.com](https://news.google.com/rss/articles/CBMiogFBVV95cUxNNmt0RG9HN2paQWIzZFhYT1ZrSzJMMFB4RXpMdnRZRThiZUFoLUlDVWJUWmQwYVBTZ3NQNU9JRVJHcG9QZUZuTklnUlc1MzFncHhidzRmc0p6RFRXYm43WlUzT2RvckFKUGNiNEpIU1hzbkozLWtVX2p1V1ZCNVZiNmN4T2lKMXpGU3RVTkpGbWhsa0E0SXZ4WlBUMnVhTFAzcVE?oc=5) · businessinsider.com
- 2021-02-05 [Hispanic American–Owned Banks by State - Investopedia](https://news.google.com/rss/articles/CBMigAFBVV95cUxNekJYVXloWFZDb19oMGVOdmo5aFRBalRMbHktTk90UmRrY0c3a2hINVl1eFAzWURsV0RhX3Y2NDdJMVdvbmduUzNqa3REV0U5NXdRRF9CNVpvTC1QbTYwYUVBQm90N2VHbmhhQ2laRUh2RlEtSV9teWF1OTNvd2Q3Zw?oc=5) · Investopedia
- 2016-11-23 [‘Forking' Technique Used to Steal Cash From ATMs - NBC 6 South Florida](https://news.google.com/rss/articles/CBMikwFBVV95cUxOU3R6TDdwU01KaWp1T0p0Sy1uNzk1V09lZGZ5akU4cjlIeXNRMmswTVE4WEFLNVlGYTZvVDlXM0tWMFRKbERQM2l6VW9HazlHTmhNUmdsd0thVGgxZVNGR1ZjNWsyU0laZkNScGtZXzNzSHhURzFKdENWNldlY0VCX1Yzb1FONUNDcTJSVWVFQW0tVTTSAZsBQVVfeXFMUFVqblFNMHVlUDM1cmpIMlpqUUcwdmExTzFPcV9tbnd5Q2Q2ejVYTlpuUm01RVhIZmpzU3pkMWJzMWp4d2RnNE5vVnEydmZwVlJZajRsZUN0M3pkOXIzc1hOLWJFQVM5cnJZcEhWZmxpN3RvdGN4Rk1CR2RWbUJ0X0N3VFFleTFSN1RDSVlMOW9sUXJ4N3djbkluNUk?oc=5) · NBC 6 South Florida
- 2018-04-06 [Sunstate Bank agrees to acquire Intercontinental Bank for $29 M - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxNMzFEZHoyVDNFbWxyOVVJSC1yMWpzdjQtckt6TFUweWpQQTRKODdFdlZDalRRSG00OWRaN2JRQ29LaTRoV204dkpxWm1iUnc3OXYxQk9TcmFiaXFJZTRpQXdFR1JrNFczZE1ZUUFuZ3UtUlJDSU5rbnozdElxSW5WN05KdmxyZlRvU3JYTWtON3dxQjdZTHJqTHRra25jNVlpbnduRFlpOVZFNGNxZXRv?oc=5) · The Business Journals
- 2014-07-29 [Sunstate Bank names former City National Bank executive CEO - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxQMTdfcW1xOUZ3SnhJTm5uOTFjZG9OSE5VU2J1WThtaTlfXzFNUFItWHVsOTFBalotN3ljRlpocndXNHVlU1RvZklLYmZ5N3EyM1h1UXl5MUE4eVh0c3JDLXprX0gwcGw1NXRJSjF1WG12d01rTEVpS3dOQ1RpUkgtSjNFeWpxNXZWZXpYLUM3aUVIM0MySWxZek1SOElCOFpHdUVvU3ZhWUt4MWd2MzM4?oc=5) · The Business Journals
- 2016-02-24 [Brazil-connected bank freed from secrecy act and anti-money laundering order - The Business Journals](https://news.google.com/rss/articles/CBMirwFBVV95cUxNNmY1OG0xME9zRmdpbFVPSmJKa3JqTWx5dEVzdnRaN0h3eUdyc2gtNktvM3d6bzZPOTNRd1FhOG45aldBelBMMnIwOWF0M0FmVTJxMDRLWHVMNlNfX0ZRLXlHQWgxYWZEcHRVTWpsV2kzdmQ5NUdwc3VrSjdBcWhSOGFETTBKWjZUQl9xWWtEcUlWR29CN0R1bDNFX0ZxMzVfZ2k1QzR3eHJ4ZFFQQ1VV?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34643 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/19.json (key "34643", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

---
Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide