Sunflower Bank, National Association is a national bank headquartered in Dallas, Texas, in business for about 134 years. At the end of Q2 2026 it reported $15.7B in total assets and $13.5B in deposits, with 103 offices across 10 states.
Based on its Q2 2026 filing, Sunflower Bank, National Association scores 51/100, which we describe as below average. That is higher than only 12% of 132 banks with $10 billion – $100 billion. Among 349 banks headquartered in Texas, it ranks 325th. Its strongest component is problem-loan coverage (80/100; 9.9%), and its lowest is earnings (33/100; 0.34%).
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 18 points (69 → 51), mostly because the earnings component weakened by 39 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 64 |
| Q4 2024 | 64 |
| Q1 2025 | 66 |
| Q2 2025 | 69 |
| Q3 2025 | 67 |
| Q4 2025 | 69 |
| Q1 2026 | 69 |
| Q2 2026 | 51 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.38% |
| Q3 2024 | 11.50% |
| Q4 2024 | 11.69% |
| Q1 2025 | 12.08% |
| Q2 2025 | 12.03% |
| Q3 2025 | 12.12% |
| Q4 2025 | 12.38% |
| Q1 2026 | 12.70% |
| Q2 2026 | 10.27% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.00% |
| Q3 2024 | 1.02% |
| Q4 2024 | 1.08% |
| Q1 2025 | 1.21% |
| Q2 2025 | 0.88% |
| Q3 2025 | 1.05% |
| Q4 2025 | 0.91% |
| Q1 2026 | 0.85% |
| Q2 2026 | 1.63% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.06% |
| Q3 2024 | 1.11% |
| Q4 2024 | 1.06% |
| Q1 2025 | 1.24% |
| Q2 2025 | 1.30% |
| Q3 2025 | 1.26% |
| Q4 2025 | 1.29% |
| Q1 2026 | 1.11% |
| Q2 2026 | 0.34% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 51 | $15.7B | 10.27% | 1.63% | 0.34% | 85.6% |
| Q1 2026 | 69 | $8.6B | 12.70% | 0.85% | 1.11% | 97.9% |
| Q4 2025 | 69 | $8.5B | 12.38% | 0.91% | 1.29% | 93.2% |
| Q3 2025 | 67 | $8.5B | 12.12% | 1.05% | 1.26% | 92.7% |
| Q2 2025 | 69 | $8.4B | 12.03% | 0.88% | 1.30% | 90.4% |
| Q1 2025 | 66 | $8.2B | 12.08% | 1.21% | 1.24% | 92.5% |
| Q4 2024 | 64 | $8.1B | 11.69% | 1.08% | 1.06% | 93.6% |
| Q3 2024 | 64 | $8.1B | 11.50% | 1.02% | 1.11% | 95.2% |
| Q2 2024 | 64 | $8.0B | 11.38% | 1.00% | 1.06% | 94.0% |
132 peers · $10 billion – $100 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 Financial BankBank Abilene, TX | 76 out of 100, Strong | $15.2B | 11.6% | 0.77% | vs |
| NexBankBank Dallas, TX | 56 out of 100, Moderate | $14.2B | 9.1% | 1.47% | vs |
| PlainsCapital BankBank University Park, TX | 57 out of 100, Moderate | $12.7B | 9.7% | 1.03% | vs |
| Charles Schwab Trust BankBank Westlake, TX | 88 out of 100, Very strong | $10.5B | 10.9% | 0.00% | vs |
| Amarillo National BankBank Amarillo, TX | 62 out of 100, Moderate | $10.4B | 10.7% | 1.54% | vs |
| International Bank of CommerceBank Laredo, TX | 69 out of 100, Moderate | $10.2B | 19.0% | 2.21% | vs |
Deposit insurance
Is my money safe at Sunflower Bank, National Association?
Yes. Sunflower Bank, National Association is an FDIC-insured institution (FDIC certificate #4767). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 31.3% of deposits ($4.2B) are above the $250,000 FDIC insurance limit, below the peer median of 38%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.27%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.69% (benchmark: 10%).
103 locations
Branches
Sunflower Bank, National Association lists 99 offices in 78 cities across 10 states. Most locations:
- Naples, FL (4)
- Santa Fe, NM (4)
- El Paso, TX (3)
- Salina, KS (3)
- Wichita, KS (3)
- Albuquerque, NM (2)
- Denver, CO (2)
- Hays, KS (2)
- Las Cruces, NM (2)
- Los Angeles, CA (2)
- Phoenix, AZ (2)
- Plano, TX (2)
HMDA 2025
Mortgage lending
In 2025, Sunflower Bank, National Association reported 4,928 home-loan applications under HMDA (LEI 2549008TT6UNYR7AXF54): 3,566 originated ($1,590,910,000 total), 219 denied, and 1,121 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.8%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Sunflower Bank, National Association
- Former names
- First National Bank and Trust; The First National Bank and Trust Company of Salina; The Farmers National Bank of Salina
- Type
- National bank
- FDIC certificate #
- 4767
- RSSD ID
- 474759
- Primary regulator
- OCC
- Holding company
- Firstsun Capital Bcorp
- Established
- May 24, 1892
- Headquarters
- 8117 Preston Rd, Dallas, TX 75225
- Website
- www.sunflowerbank.com
- Employees
- 1,561
Quick answers
Sunflower Bank, National Association: common questions
Is Sunflower Bank, National Association FDIC insured?
Yes. Sunflower Bank, National Association is an FDIC-insured institution (FDIC certificate #4767). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Sunflower Bank, National Association's TellerScore?
51 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Sunflower Bank, National Association ever failed?
There is no failure record for FDIC certificate #4767 in the FDIC failed bank list.
How many branches does Sunflower Bank, National Association have?
103 offices as of the latest FDIC data, in 10 states.
Nearby
Highest-scoring banks and credit unions with branches near Dallas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Baton Rouge City Parish Emp Federal Credit UnionCredit union Baton Rouge, LA | 96 out of 100, Very strong | $58.2M | 22.0% | 0.33% | vs |
| Lakeside BankBank Rockwall, TX | 92 out of 100, Very strong | $389.2M | 14.4% | 0.00% | vs |
| Light Commerce Credit UnionCredit union Houston, TX | 92 out of 100, Very strong | $5.0M | 26.8% | 0.93% | vs |
| Metro Medical Credit UnionCredit union Dallas, TX | 91 out of 100, Very strong | $82.7M | 17.9% | 0.66% | vs |
| Safe 1 Credit UnionCredit union Bakersfield, CA | 90 out of 100, Very strong | $1.2B | 16.0% | 0.37% | vs |
| The State Credit UnionCredit union Charleston, WV | 90 out of 100, Very strong | $95.3M | 19.1% | 0.25% | vs |