# SUNRISE BANK
ORLANDO, FL · FDIC certificate 58029 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. 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 | $622.9M | |
| Deposits | $544.2M | |
| Loans and leases | $503.8M | |
| Total equity | $52.6M | |
| Loans / deposits | 91.45% (p74 of band) | 82.04% |
| Liquid assets / assets | 18.09% (p25 of band) | |
| Uninsured deposits / deposits | 39.10% (p86 of band) | 25.97% |
| Brokered deposits | 7.54% | |
| Wholesale funding | 11.00% (p80 of band) | |
| FHLB advances / assets | 2.41% | |
| Tier 1 leverage | 9.50% (p23 of band) | 10.81% |
| Unrealized securities loss / equity | -11.91% (p38 of band) | -8.10% |
| AOCI / equity | -1.86% (p9 of band) | |
| ROA (annualized) | 1.29% (p51 of band) | 1.28% |
| Net interest margin | 3.47% (p26 of band) | 3.91% |
| Efficiency ratio | 59.76% (p45 of band) | |
| Noncurrent loans | 0.10% (p23 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 1189.90% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 59.61% (p63 of band) | |
| Auto loans | $12,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 4.0% | |
| Employees | 60 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 10 | leverage <7%, leverage <5%, securities losses >30% of equity, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 8 |  | securities losses >30% of equity, expense ratio p90 |
| 2011-09 | 6 |  | noncurrent p90, reserve under noncurrent |
| 2011-12 | 4 |  | losing money, construction >100% equity |
| 2012-03 | 5 | expense ratio p90, deposits shrinking, assets shrinking, uninsured deposits leaving | leverage <5%, charge-offs p90 |
| 2012-06 | 3 |  | expense ratio p90, uninsured deposits leaving |
| 2012-09 | 3 |  |  |
| 2012-12 | 1 |  | leverage <7%, assets shrinking |
| 2013-03 | 0 |  | deposits shrinking |
| 2013-06 | 1 | expense ratio p90 |  |
| 2013-09 | 0 |  | expense ratio p90 |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | uninsured deposits leaving |  |
| 2015-06 | 1 |  |  |
| 2015-09 | 2 | brokered >10% |  |
| 2015-12 | 1 |  | uninsured deposits leaving |
| 2016-03 | 0 |  | brokered >10% |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 2 | reserve under noncurrent |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 1 |  | reserve under noncurrent |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 0 |  | capital falling |
| 2018-12 | 1 | construction >100% equity |  |
| 2019-03 | 2 | capital falling |  |
| 2019-06 | 0 |  | construction >100% equity, capital falling |
| 2019-09 | 1 | uninsured deposits leaving |  |
| 2019-12 | 1 | construction >100% equity | uninsured deposits leaving |
| 2020-03 | 2 | capital falling |  |
| 2020-06 | 1 |  | construction >100% equity |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | construction >100% equity |  |
| 2022-09 | 3 | capital falling, AOCI drag >20% of equity |  |
| 2022-12 | 1 |  | capital falling, AOCI drag >20% of equity |
| 2023-03 | 0 |  | construction >100% equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | capital falling |  |
| 2023-12 | 2 | construction >100% equity |  |
| 2024-03 | 2 |  |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 0 |  | construction >100% equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

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

- 2026-01-09 [SanCap Bank partners Jack Henry for core upgrade - fintechfutures.com](https://news.google.com/rss/articles/CBMipgFBVV95cUxQNUhRanlJQVJJYThOLUYzRjFqMktJeGZUNEdzVm4xc25IaGk2T0F4bk1ndTM1aWI1YmxDNlRIUkVVcFhPSkRhVjAzUUZTbU5hQWxNQ1hiZTdaUFpLYk5TcEluTjRRTHdoQXVxS2FCRFlncVNRQmtFRVhiRXJicUdndXFlUWNOcnJKWnFEUm1yRjVWMS1neExmVUQyUGlPMVVVOW5zTUNn?oc=5) · fintechfutures.com
- 2026-08-22 [Sunrise Bank - The Business Journals](https://news.google.com/rss/articles/CBMijwFBVV95cUxOeUZlN1BHMmo4NGNYTmp5NjFKMXVnTnNYNUNsdHFmQ2NsZExWRFhxRXJNMnlKVjlITmJMODBMdFJLalZMb1ZxQWJiOENKbkZjeXdxVFlYNDFnbEg5TS1kX3NZNEdnT1NZTHN1UU5QdC1XMDJNenU4N0xwSGQzWWI0QXotU3o0eWlRQll5X0hQVQ?oc=5) · The Business Journals
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-01-13 [Gov. DeSantis names 2 members to Disney World’s governing board - Florida Politics](https://news.google.com/rss/articles/CBMiqgFBVV95cUxNV19RSjIxNXVRUllnVnpuaHJsaENFWW5ENjMwTUNueTMyMENmaS1QdmQtckN5RjJadVZfb2NwRVdtb2c1eTBCVFBZY2lBRlItVXk2UlRnSUtWRmR5LUJkSVdSanlXaW9uT0pxUExyUVMxRmRlV0o3b3d0VElJQjV2VGdOeEJXeDRJVFBLcUtWOGpQLVJqaGZudU5DQWU5VDlSNDdRR3k5S01pZw?oc=5) · Florida Politics
- 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
- 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
- 2018-05-01 [Thomas L. Gray, Jr. Obituary May 1, 2018 - Holcombe-Fisher Funeral Home](https://news.google.com/rss/articles/CBMiakFVX3lxTE9WZEpaMEtzMktUQmNUY0FETm1KX0RHZWhaZEIyNEdGZ1o1UkZqOTZqenZ4UURYSmdBSlhRd1NVYUxTb2tCMVo3ajFuTE5UVDYydUpHbVh1a2dRZlhDSjdGT05TdTRPUFdDbEE?oc=5) · Holcombe-Fisher Funeral Home
- 2017-02-03 [Central Florida bank seeks workers in downtown - The Business Journals](https://news.google.com/rss/articles/CBMipgFBVV95cUxOUmtwZnJsVUVmem1KM1lFT3JqaFNkWHAyZkFRRjZoNTVFWEd0Y2J3TzhVNHhMSWY0YTNKVURHX1c5ZGFBQVF2aUNXeWxiUGhsem9DejkyVjBnb2dGUEwxUUJlVFFYZFoxUWt4Yy1hczVXTGQ2ZVFpa1drVmJrcVlQamhOdkNoU25UMTQwVDVpQzFxdjZXM3hoYkVMcFZhWHpZODhmWTRn?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58029 (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/45.json (key "58029", 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