TellerScore

Headquartered in Sioux Falls, South Dakota, Sunrise Banks, National Association is a national bank with $2.8B in total assets and $2.5B in deposits as of Q2 2026. It operates 5 offices across 2 states. Its charter dates back to 1962.

Sunrise Banks, National Association has a TellerScore of 58 out of 100 (moderate) based on Q2 2026 data — higher than only 17% of its 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in South Dakota, it ranks 50th. Funding & liquidity contributes the most (89/100, 71% loans-to-deposits, 15% uninsured); earnings contributes the least (34/100, 0.35%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.18%
Loan quality55/100
Noncurrent loans ÷ total loans: 1.34%
Earnings34/100
Return on assets (annualized): 0.35%
Funding & liquidity89/100
Loans ÷ deposits and uninsured-deposit share: 70.6% · 15.3% uninsured
Problem-loan coverage82/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.87%

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 3 points (61 → 58), mostly because the loan quality component weakened by 10 points.

TellerScore
586368Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202468
Q3 202467
Q4 202467
Q1 202561
Q2 202561
Q3 202558
Q4 202560
Q1 202658
Q2 202658
Tier 1 leverage ratio
5.00%7.75%10.49%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.49%
Q3 202410.47%
Q4 202410.42%
Q1 202510.38%
Q2 202510.47%
Q3 202510.46%
Q4 202510.31%
Q1 20269.95%
Q2 202610.18%
Noncurrent loans
0.34%0.84%1.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.34%
Q3 20240.38%
Q4 20240.36%
Q1 20250.93%
Q2 20251.05%
Q3 20251.31%
Q4 20251.13%
Q1 20261.05%
Q2 20261.34%
Return on assets
0.26%0.33%0.39%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.38%
Q3 20240.37%
Q4 20240.39%
Q1 20250.29%
Q2 20250.39%
Q3 20250.33%
Q4 20250.39%
Q1 20260.26%
Q2 20260.35%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202658$2.8B10.18%1.34%0.35%70.6%
Q1 202658$2.7B9.95%1.05%0.26%71.7%
Q4 202560$2.7B10.31%1.13%0.39%71.1%
Q3 202558$2.6B10.46%1.31%0.33%76.0%
Q2 202561$2.5B10.47%1.05%0.39%76.6%
Q1 202561$2.5B10.38%0.93%0.29%76.9%
Q4 202467$2.5B10.42%0.36%0.39%76.8%
Q3 202467$2.4B10.47%0.38%0.37%80.1%
Q2 202468$2.4B10.49%0.34%0.38%71.6%

897 peers · $1 billion – $10 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).

Capital ratio10.18%
42nd
Total risk-based capital0.00%
13th
Problem loans1.34%
19th
Net charge-offs1.09%
4th
Return on assets0.35%
5th
Net interest margin4.45%
86th
Efficiency ratio90.1%
2nd
Loans to deposits70.6%
83rd
Uninsured deposits15.3%
90th
Loan-loss reserves1.79%
93rd
Texas ratio8.9%
21st

Similar-size banks in South Dakota

InstitutionScoreAssetsCapitalProblem loansCompare
American Bank & TrustBank Sioux Falls, SD72 out of 100, Strong$2.2B11.3%0.57%vs
First Dakota National BankBank Yankton, SD72 out of 100, Strong$3.4B10.4%0.30%vs
The First National Bank in Sioux FallsBank Sioux Falls, SD67 out of 100, Moderate$2.1B10.3%0.41%vs
First National BankBank Fort Pierre, SD84 out of 100, Strong$2.0B21.9%0.69%vs
BankWest, Inc.Bank Pierre, SD38 out of 100, Low$1.9B9.2%2.76%vs
First PREMIER BankBank Sioux Falls, SD85 out of 100, Very strong$3.6B13.7%0.10%vs

Deposit insurance

Is my money safe at Sunrise Banks, National Association?

Yes. Sunrise Banks, National Association is an FDIC-insured institution (FDIC certificate #18561). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 15.3% of deposits ($385.5M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.18%, 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%).

Check how much of your own balance is covered

5 locations

Branches

Sunrise Banks, National Association lists 5 offices in 3 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Sunrise Banks, National Association
Former names
University National Bank; Summit National Bank of St. Paul; Meridian National Bank
Type
National bank
FDIC certificate #
18561
RSSD ID
860053
Primary regulator
OCC
Holding company
University Finl Gbc Dba Sunrise Banks
Established
July 17, 1962
Headquarters
5105 S Crossing Pl, Sioux Falls, SD 57108
Employees
364

Quick answers

Sunrise Banks, National Association: common questions

Is Sunrise Banks, National Association FDIC insured?

Yes. Sunrise Banks, National Association is an FDIC-insured institution (FDIC certificate #18561). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Sunrise Banks, National Association's TellerScore?

58 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Sunrise Banks, National Association ever failed?

There is no failure record for FDIC certificate #18561 in the FDIC failed bank list.

How many branches does Sunrise Banks, National Association have?

5 offices as of the latest FDIC data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Sioux Falls

InstitutionScoreAssetsCapitalProblem loansCompare
Security National Bank of South DakotaBank Dakota Dunes, SD93 out of 100, Very strong$251.5M14.1%0.00%vs
Merchants State BankBank Freeman, SD91 out of 100, Very strong$219.6M17.3%0.32%vs
First PREMIER BankBank Sioux Falls, SD85 out of 100, Very strong$3.6B13.7%0.10%vs
First Savings BankBank Beresford, SD83 out of 100, Strong$1.6B19.3%0.90%vs
First Dakota National BankBank Yankton, SD72 out of 100, Strong$3.4B10.4%0.30%vs
American Bank & TrustBank Sioux Falls, SD72 out of 100, Strong$2.2B11.3%0.57%vs