Headquartered in Sundown, Texas, Sundown State Bank is a state-chartered bank with $307.7M in total assets and $269.6M in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 1963.
Based on its Q2 2026 filing, Sundown State Bank scores 79/100, which we describe as strong. That is higher than 75% of 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 104th. Its strongest component is earnings (100/100; 4.15%), and its lowest is capital cushion (66/100; 11.63%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 6 points (85 → 79), mostly because the loan quality component weakened by 28 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 80 |
| Q4 2024 | 79 |
| Q1 2025 | 83 |
| Q2 2025 | 85 |
| Q3 2025 | 86 |
| Q4 2025 | 70 |
| Q1 2026 | 74 |
| Q2 2026 | 79 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.57% |
| Q3 2024 | 10.79% |
| Q4 2024 | 10.55% |
| Q1 2025 | 10.90% |
| Q2 2025 | 11.21% |
| Q3 2025 | 11.32% |
| Q4 2025 | 10.93% |
| Q1 2026 | 12.33% |
| Q2 2026 | 11.63% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 1.47% |
| Q1 2026 | 1.61% |
| Q2 2026 | 0.84% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.63% |
| Q3 2024 | 1.68% |
| Q4 2024 | 1.70% |
| Q1 2025 | 1.86% |
| Q2 2025 | 1.95% |
| Q3 2025 | 2.03% |
| Q4 2025 | 2.17% |
| Q1 2026 | 6.48% |
| Q2 2026 | 4.15% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 79 | $307.7M | 11.63% | 0.84% | 4.15% | 70.4% |
| Q1 2026 | 74 | $319.7M | 12.33% | 1.61% | 6.48% | 69.3% |
| Q4 2025 | 70 | $308.0M | 10.93% | 1.47% | 2.17% | 73.3% |
| Q3 2025 | 86 | $302.5M | 11.32% | 0.00% | 2.03% | 74.8% |
| Q2 2025 | 85 | $286.7M | 11.21% | 0.00% | 1.95% | 80.3% |
| Q1 2025 | 83 | $271.8M | 10.90% | 0.00% | 1.86% | 85.0% |
| Q4 2024 | 79 | $268.3M | 10.55% | 0.00% | 1.70% | 89.0% |
| Q3 2024 | 80 | $264.1M | 10.79% | 0.00% | 1.68% | 90.9% |
| Q2 2024 | 79 | $255.1M | 10.57% | 0.00% | 1.63% | 93.6% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State BankBank Graham, TX | 81 out of 100, Strong | $308.8M | 10.1% | 0.00% | vs |
| The Pecos County State BankBank Fort Stockton, TX | 73 out of 100, Strong | $309.4M | 11.6% | 0.98% | vs |
| Citizens BankBank Amarillo, TX | 82 out of 100, Strong | $309.8M | 10.1% | 0.01% | vs |
| ValueBank TexasBank Corpus Christi, TX | 85 out of 100, Very strong | $303.6M | 12.5% | 0.00% | vs |
| Citizens National Bank at BrownwoodBank Brownwood, TX | 74 out of 100, Strong | $303.4M | 10.5% | 0.74% | vs |
| Freedom BankBank Alamo, TX | 80 out of 100, Strong | $301.2M | 12.2% | 0.17% | vs |
Deposit insurance
Is my money safe at Sundown State Bank?
Yes. Sundown State Bank is an FDIC-insured institution (FDIC certificate #18780). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 23.4% of deposits ($63.2M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.63%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
5 locations
Branches
Sundown State Bank lists 5 offices in 5 cities. Most locations:
- Brownfield, TX (1)
- Denver City, TX (1)
- Levelland, TX (1)
- Sundown, TX (1)
- Wall, TX (1)
Identity & history
Profile
- Legal name
- Sundown State Bank
- Former names
- The First National Bank of Sundown
- Type
- State-chartered bank
- FDIC certificate #
- 18780
- RSSD ID
- 412667
- Primary regulator
- FDIC
- Holding company
- Sundown Bankshares Inc
- Established
- May 21, 1963
- Headquarters
- 501 S Slaughter Ave, Sundown, TX 79372
- Website
- www.sundownsb.com
- Employees
- 36
Quick answers
Sundown State Bank: common questions
Is Sundown State Bank FDIC insured?
Yes. Sundown State Bank is an FDIC-insured institution (FDIC certificate #18780). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Sundown State Bank's TellerScore?
79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Sundown State Bank ever failed?
There is no failure record for FDIC certificate #18780 in the FDIC failed bank list.
How many branches does Sundown State Bank have?
5 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Sundown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cochran County Schools Federal Credit UnionCredit union Morton, TX | 79 out of 100, Strong | $10.2M | 14.6% | 0.77% | vs |
| Maverick BankBank Fort Davis, TX | 76 out of 100, Strong | $809.1M | 8.8% | 0.01% | vs |
| City BankBank Lubbock, TX | 75 out of 100, Strong | $5.4B | 10.8% | 0.25% | vs |
| Prosperity BankBank El Campo, TX | 71 out of 100, Strong | $43.9B | 10.6% | 0.48% | vs |
| UMB Bank, National AssociationBank Kansas City, MO | 65 out of 100, Moderate | $71.9B | 8.9% | 0.34% | vs |
| First National Bank TexasBank Killeen, TX | 64 out of 100, Moderate | $4.6B | 9.1% | 1.23% | vs |