Sunflower Bank, National Association: how it compares with its peers
Against 10 TX banks with half to twice its assets, Sunflower Bank, National Association's strongest measure in Q2 2026 is net interest margin (4.59% vs. a 3.55% peer median). Its weakest relative measure is return on assets (0.34% vs. 1.64%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.34% | 1.64% | Bottom third Ahead of 10% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.59% | 3.55% | Top third Ahead of 90% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 73.81% | 49.72% | Bottom third Ahead of 20% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $10.0M | $10.4M | Middle third Ahead of 50% of peers |
| Loans to deposits Net loans and leases over total deposits. | 85.60% | 78.55% | Context |
What it means for lending operations
Its efficiency ratio of 73.81% is above the 49.72% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Financial Bank Abilene, TX · $15.23B
- NexBank Dallas, TX · $14.16B
- PlainsCapital Bank University Park, TX · $12.68B
- Charles Schwab Trust Bank Westlake, TX · $10.51B
- Amarillo National Bank Amarillo, TX · $10.38B
Questions about Sunflower Bank, National Association
How big is Sunflower Bank, National Association?
Sunflower Bank, National Association, established in 1892, is headquartered in Dallas, TX. It reported $15.65B in total assets in its Q2 2026 FDIC call report and operates 103 offices.
What is Sunflower Bank, National Association's return on assets?
0.34% annualized in Q2 2026, against a 1.64% median for 10 TX banks with half to twice its assets, ahead of 10% of them.
What is Sunflower Bank, National Association's efficiency ratio?
73.81% in Q2 2026: it spent about 74 cents in noninterest expense for each dollar of revenue. The peer median is 49.72%, and lower is better.
Is Sunflower Bank, National Association growing its loans?
Net loans grew 77.1% over the year to Q2 2026, while deposits grew 87.0%.
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.