# SUNRISE BANK
SAN DIEGO, CA · FDIC certificate 57808 · asset band <$300M · latest filing 2011-06 · stopped filing (departed)

**Verdict on the desk:** this could be *credit-stressed*. Composite score 3 (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 | $225.3M | |
| Deposits | $206.1M | |
| Loans and leases | $171.2M | |
| Total equity | $18.9M | |
| Loans / deposits | 79.73% (p67 of band) | 71.80% |
| Liquid assets / assets | 23.82% (p28 of band) | |
| Uninsured deposits / deposits | 5.64% (p36 of band) | 7.92% |
| Brokered deposits | 0.14% | |
| Wholesale funding | 0.14% (p33 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 7.63% (p11 of band) | 9.80% |
| Unrealized securities loss / equity | 0.30% (p21 of band) | 2.62% |
| AOCI / equity | 0.04% (p23 of band) | |
| ROA (annualized) | -0.63% (p10 of band) | 0.68% |
| Net interest margin | 4.74% (p91 of band) | 3.84% |
| Efficiency ratio | 81.31% (p67 of band) | |
| Noncurrent loans | 4.47% (p83 of band) | 1.53% |
| Net charge-offs (annualized) | 2.32% (p97 of band) | |
| Reserve coverage of noncurrent | 90.21% | |
| Real estate % of loans | 77% | |
| Construction % of loans | 72.99% (p86 of band) | |
| Auto loans | $162,000 (0.09% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | – | |
| Employees | 58 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 3 | losing money, charge-offs p90, reserve under noncurrent |  |

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

- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2017-02-22 [Armed Robbers in Hazmat Suits & BSO Jacket Hold Up Sunrise Bank - NBC 6 South Florida](https://news.google.com/rss/articles/CBMikAFBVV95cUxQcDNIaGl6aW11YkdSNjMwZy12QmRvamFzTW1abUtpNXVKbGhRcHE4OW5JblRhLVlRRnhKNVJXTVppWk1Ud0MzSlAtUGsyR0R5VTJLOHI3eFFpVklXdVBxU3BuYl9MZGp5eWVXWlpfd3piTFl3VVJRdVNFYWxUaEJDb3JVb195ZkJRdjBHQXRWaXPSAZgBQVVfeXFMTXdiZVRtM2lSVzJVT0RnVHdwLXR6OWdMZFlSdFFWQ3FoMGdmakVzd0dVM2lBdmJKbk1sMFhlLWVkZlZ6aW10V2RXNld0RXMyQmMwbnkzcV83cldPX0NlSEwzZzgtSk9sd3BxTFFwTVEtN1B0N0dPMGpyb3BZYkM2MWxSejdhakZVcTF6WVVGX211UnB0LXZpcnQ?oc=5) · NBC 6 South Florida
- 2017-10-30 [FBI Releases Pics Of Sunrise Bank Robber - CBS News](https://news.google.com/rss/articles/CBMiZkFVX3lxTFBncEdsMzVwaGpuaHBzcTRQRDlZamM0N3lWUk1FUXYtOVNQOHZKWnZlMG5ydzZyOXFYaFY4RnVlZXgwUWh1Z1hlcFlaLUd0NkJuRlVQTXBUTU9xLWRyM3d6U2kzQlJGQQ?oc=5) · CBS News
- 2016-12-01 [Is Your Bank Funding Big Oil? Here’s How to Find One That Isn’t - YES! Magazine](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNN21qRVVVenhERzRCQmp0TlJ0WFltbHhpZy1OUlJqUUNFNDNBM1lsa1lIcTdPS0x4bTRCbWVWM0JRb0lwelUtbGFIQ0s3VGxxbkVyeXR1eDF1V1kwWWhvNjBuYnVXSUpwY2Itazc2MUZDbkhZV3I5bFV3VE1pLXhGbHRsM3A1YS1EejNnQ2ZBR1JqU1dTVzgzS3ZQcVM0bV95NDA2X1M0NlVjUQ?oc=5) · YES! Magazine
- 2015-01-30 [A California bank's decision could have huge ramifications in Somalia - businessinsider.com](https://news.google.com/rss/articles/CBMiqgFBVV95cUxPRFF2Y0dhbkhvUWpWOTlvVE92Wnd2Mm42S3gwMEF0MHo0Um1NVGtfaFVNZGJtOGNBcUpabE11WHVtM1pEN0RKa2xCSXdqR19DOTFjSmtLRmVyaXpXWDNrSXFlS2NPbURKUXBlTjJFTGJSaTJDUElFR0hBZVV5QWtMX1dlWTZKMC1hZU0xUTJGeW96TDl6a2twU3Q5a2dGSjhXUnBHOEpRUmlIQQ?oc=5) · businessinsider.com
- 2012-08-19 [Washington State Bank Invests in L.A. Presence - Los Angeles Business Journal](https://news.google.com/rss/articles/CBMihgFBVV95cUxQSGpRNkRneDl1aFk4b0tQQzVvZVg4THdaaUx6RUhpZ3pOalBnZ3pGRjIzNGpKMFJGN1NiMDJmQ1NjSk5GbW5BaGtNckFlaGhZNnZfN2gtWjRaRnpnUi0wQzF2YjFtSDI1cUI4WUJiYlVjZ0RRUVdSMUtQOUZfMlRpLURHTDlmZw?oc=5) · Los Angeles Business Journal
- 2011-10-07 [Executive Moves For September - North America - Family Wealth Report](https://news.google.com/rss/articles/CBMinwFBVV95cUxQSWNOemRNeHBhRzB1enJpSGZXM2kyengwTDVpTnlZR1VZOG5Nc1pObzI4U1hiaUk2SGE3ZU9oRXM1ekJmZVlaUEwzeUJUbnJ5WXRoRnpveTdQM29UdndBQjNEc2dleXY2NkIxd0pldEhBekJhQUdVMHZMWFhrWkxPZDdRUXBxaFhpN3lSNFJxWFZLVXZMUzd5OFlUR1hLSzA?oc=5) · Family Wealth Report
- 2015-05-11 [Photos: NKF Donor Moms Awards Dinner in Cocoa Beach - Florida Today](https://news.google.com/rss/articles/CBMivgFBVV95cUxOaXJMc1RQa2JPdmNVMFVwUXRPbjR6cE0zaXlYSjcyZXhwd1NpcEcwalM1Y3ZlTDdfRWFBeml3d2dkUy1ZN3BSVk9LWnZVa2duUnZwdEU5YmFEbGRYOUxWRzAzbVdQT2lULWg0WURSOHJmR2VCVU9wQkNsLTJvR2ZUYU16OG9IcDZuVHhZRjNzc2xpdGZLajBHbzBTUEMxWW14cjFlWnloT2ZKdE1sX0JleXpBNWVpamxURkFBV2VB?oc=5) · Florida Today

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57808 (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/16.json (key "57808", 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.

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