Sundown State Bank: how it compares with its peers
Against 139 TX banks with half to twice its assets, Sundown State Bank's strongest measure in Q2 2026 is return on assets (4.15% vs. a 1.45% peer median). Its weakest relative measure is net interest margin (4.26% vs. 4.20%).
| Measure | Sundown State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 4.15% | 1.45% | Top third Ahead of 100% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.26% | 4.20% | Middle third Ahead of 53% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 31.06% | 61.58% | Top third Ahead of 98% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.5M | $6.7M | Top third Ahead of 75% of peers |
| Loans to deposits Net loans and leases over total deposits. | 70.41% | 68.52% | Context |
What it means for lending operations
Its efficiency ratio of 31.06% is better than the 61.58% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- First State Bank Graham, TX · $309M
- The Pecos County State Bank Fort Stockton, TX · $309M
- Citizens Bank Amarillo, TX · $310M
- ValueBank Texas Corpus Christi, TX · $304M
- Citizens National Bank at Brownwood Brownwood, TX · $303M
- Freedom Bank Alamo, TX · $301M
Questions about Sundown State Bank
How big is Sundown State Bank?
Sundown State Bank, established in 1963, is headquartered in Sundown, TX. It reported $308M in total assets in its Q2 2026 FDIC call report and operates 5 offices.
What is Sundown State Bank's return on assets?
4.15% annualized in Q2 2026, against a 1.45% median for 139 TX banks with half to twice its assets, ahead of 100% of them.
What is Sundown State Bank's efficiency ratio?
31.06% in Q2 2026: it spent about 31 cents in noninterest expense for each dollar of revenue. The peer median is 61.58%, and lower is better.
Is Sundown State Bank growing its loans?
Net loans shrank 7.0% over the year to Q2 2026, while deposits grew 6.1%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are TX banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Texas bank ranked.