# SUNRISE BANK
VALDOSTA, GA · FDIC certificate 58185 · asset band <$300M · latest filing 2013-03 · FAILED

**Verdict on the desk:** this could be *credit-stressed*. Composite score 11 (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 | $60.8M | |
| Deposits | $57.8M | |
| Loans and leases | $41.2M | |
| Total equity | $885,000 | |
| Loans / deposits | 66.57% (p50 of band) | 66.54% |
| Liquid assets / assets | 24.43% (p22 of band) | |
| Uninsured deposits / deposits | 6.07% (p21 of band) | 11.77% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 3.29% (p63 of band) | |
| FHLB advances / assets | 3.29% | |
| Tier 1 leverage | 1.39% (p0 of band) | 10.04% |
| Unrealized securities loss / equity | -0.11% (p7 of band) | 2.48% |
| AOCI / equity | -0.11% (p58 of band) | |
| ROA (annualized) | -4.44% (p1 of band) | 0.72% |
| Net interest margin | 3.34% (p38 of band) | 3.55% |
| Efficiency ratio | 239.50% (p100 of band) | |
| Noncurrent loans | 24.00% (p100 of band) | 1.19% |
| Net charge-offs (annualized) | 0.99% (p96 of band) | |
| Reserve coverage of noncurrent | 27.61% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 578.53% (p100 of band) | |
| Auto loans | $334,000 (0.81% of loans; DQ 11.38%, NCO 0.04%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -21.5% | |
| Employees | 23 | |

## Flags firing in the latest filing

- **leverage <7%** (`cap_low`)
- **leverage <5%** (`cap_critical`)
- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 9 | leverage <7%, leverage <5%, losing money, expense ratio p90, noncurrent p90, charge-offs p90, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 9 |  |  |
| 2011-09 | 9 |  |  |
| 2011-12 | 9 |  |  |
| 2012-03 | 11 | deposits shrinking, assets shrinking, uninsured deposits leaving | expense ratio p90 |
| 2012-06 | 12 | capital falling, expense ratio p90 | uninsured deposits leaving |
| 2012-09 | 12 |  |  |
| 2012-12 | 11 |  | capital falling |
| 2013-03 | 11 |  |  |

## 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
- 2013-05-15 [Regulators shutter banks owned by Sunrise's parent company - The Business Journals](https://news.google.com/rss/articles/CBMingFBVV95cUxQZ0NUNVpjS3pBdHdlSHdNODRSaGdyT2Q3bXk3TjFPWmxLSnJsMHdnckt0MU1BMTFURUt4Q1EwQTZqd0R5QW5PQTRucnd4djdMblRrNERjTndBdW5POFkwYVlGaGJxRC1qYXBIWW1sM0tnSmJOU2ZLbVFfa2pGOE90QTFMYXowV0pRZEY4VVdWVUFOZ1F6NlFOSER5MGxtdw?oc=5) · The Business Journals
- 2017-02-22 [FBI Releases Pics Of Armed Sunrise Bank Robbers In Hazmat Gear - CBS News](https://news.google.com/rss/articles/CBMilwFBVV95cUxOMU5ERkRDQ2c4dkplRW91UE93cHl5M1pnT0xFTC1fMjFNeTJ0RHBrQnVrT0FuZnNDME9adi15VGQzTHcwZjVCSW5EWHgyZTRKUmRJbTV4NjdvaFU5SnhtTXFXY2EzaDVRZmY5dmM2QWw1clkxS0RfVE1NUmhJZkE3UUVadkJDRG9iTXhOQU5jRXFFWXZlUVBn?oc=5) · CBS News
- 2025-04-10 [Janis Wainright Obituary April 10, 2025 - French Funerals & Cremations](https://news.google.com/rss/articles/CBMiaEFVX3lxTFBrZ0ZBS0JMR05aemFYc21jM1JhNTdZS1pWV3QyREw1anpzNEVRRUhkM0I0NTRVNDNPV2RXRVdrRTdNeTZFSGxuT21ZUkY5RVI0a1VKZXJPREpmVDk3eDlFajV3ZmpBanlt?oc=5) · French Funerals &amp; Cremations
- 2017-04-08 [Plaza Bank confirms plans to take over 1st Commerce Bank - Las Vegas Review-Journal](https://news.google.com/rss/articles/CBMinAFBVV95cUxPNnpTTVltekZQeG5TQkY0Q3hHcTFFY0NldUE5WkZmR0pEbElaUkhPdVc5SDNIbDRxSWo0XzhJU0NkTUpjQmNKMThoWnhYb1BuSGdMeENJemNFRzhjcGpBMXh4TnRlOXp5YTJ2bUZuXzFhTGdGUVE3YzlVLUx0bElRb3NMWWp5VVdIS2dlWE5FU0dPQmRmQ2ExUEFFazU?oc=5) · Las Vegas Review-Journal
- 2024-12-04 [List of Recent Failed Banks in the United States (2023-2024) - Norada Real Estate Investments](https://news.google.com/rss/articles/CBMia0FVX3lxTE4zaWFvQzhqc24zdE1QZ1haYnk2b1NsLWxONmNTTV9jVldzbjZqLUM1NV85U3dyaENaUGhWVm0wdllpUlNMZlIteHExdVUzS0JTdXlRWTJiUGJfaEtZSk5wcWhNNG1ZS0U5Y0Vz?oc=5) · Norada Real Estate Investments
- 2009-10-11 [Sunrise Sells 21 Assisted Living Communities to Brookdale Affiliate - Senior Housing News](https://news.google.com/rss/articles/CBMirgFBVV95cUxPdDMwa3N0UjM4VFhlcXZ1SUE4Tkt5SXhuQXFjenhJQ2F3ZEtnXzFRMkRlVk92UmZIOG81dkpwd19Qa2lEQU5XU2lxUTVwYnAwb1VzNFhvc2dvYVpDWmRhVzdjMTlTenh5T1d5NFVoTjFIeTk0N2RGSzRhM194WDhGSGxXdGR5WWxFRW4tM240bUZHNm1QaUYzNnBXQzgyN0I3NjVhUkI1T0RVc3lJZmc?oc=5) · Senior Housing News
- 2026-08-28 [Don't deposit disaster support into individual QR, account: PMO - The Rising Nepal](https://news.google.com/rss/articles/CBMiUEFVX3lxTE1UYjNNNWRmMVJ5czVCd3dlTUZEUHlyLVFTVzJ6YTNLZnhfT3J4Z0FWZTVnejBMcGhhcl93eWlpUWQ5amQtZ3lIUG9NSmdaeTg0?oc=5) · The Rising Nepal

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58185 (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/9.json (key "58185", 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