Sunstate Bank (FDIC certificate #34643) is based in Miami, Florida. Its Q2 2026 call report shows $580.4M in total assets and $502.7M in deposits and 3 offices.
Based on its Q2 2026 filing, Sunstate Bank scores 76/100, which we describe as strong. That is higher than 64% of 2,650 banks with $100 million – $1 billion. Among 82 banks headquartered in Florida, it ranks 14th. Its strongest component is loan quality (100/100; 0.00%), and its lowest is earnings (60/100; 1.01%).
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 rose 4 points (72 → 76), mostly because the earnings component improved by 20 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 73 |
| Q3 2024 | 72 |
| Q4 2024 | 71 |
| Q1 2025 | 69 |
| Q2 2025 | 72 |
| Q3 2025 | 72 |
| Q4 2025 | 72 |
| Q1 2026 | 73 |
| Q2 2026 | 76 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 11.35% |
| Q3 2024 | 11.21% |
| Q4 2024 | 11.01% |
| Q1 2025 | 10.99% |
| Q2 2025 | 11.37% |
| Q3 2025 | 10.95% |
| Q4 2025 | 11.02% |
| Q1 2026 | 11.10% |
| Q2 2026 | 11.45% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 0.04% |
| Q4 2024 | 0.04% |
| Q1 2025 | 0.04% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.64% |
| Q3 2024 | 0.62% |
| Q4 2024 | 0.46% |
| Q1 2025 | 0.20% |
| Q2 2025 | 0.51% |
| Q3 2025 | 0.57% |
| Q4 2025 | 0.57% |
| Q1 2026 | 0.76% |
| Q2 2026 | 1.01% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 76 | $580.4M | 11.45% | 0.00% | 1.01% | 67.4% |
| Q1 2026 | 73 | $568.9M | 11.10% | 0.00% | 0.76% | 68.0% |
| Q4 2025 | 72 | $569.0M | 11.02% | 0.00% | 0.57% | 68.3% |
| Q3 2025 | 72 | $570.4M | 10.95% | 0.00% | 0.57% | 68.0% |
| Q2 2025 | 72 | $537.2M | 11.37% | 0.00% | 0.51% | 73.0% |
| Q1 2025 | 69 | $546.1M | 10.99% | 0.04% | 0.20% | 68.0% |
| Q4 2024 | 71 | $546.1M | 11.01% | 0.04% | 0.46% | 66.8% |
| Q3 2024 | 72 | $535.9M | 11.21% | 0.04% | 0.62% | 70.1% |
| Q2 2024 | 73 | $549.6M | 11.35% | 0.04% | 0.64% | 66.5% |
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 Florida
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Intracoastal BankBank Palm Coast, FL | 73 out of 100, Strong | $573.2M | 9.8% | 0.04% | vs |
| Sunrise BankBank Orlando, FL | 68 out of 100, Moderate | $622.9M | 9.5% | 0.10% | vs |
| Fnbt BankBank Fort Walton Beach, FL | 79 out of 100, Strong | $628.5M | 11.1% | 0.00% | vs |
| BankFloridaBank Dade City, FL | 75 out of 100, Strong | $459.5M | 12.6% | 0.00% | vs |
| Edison National BankBank Fort Myers, FL | 67 out of 100, Moderate | $453.7M | 9.0% | 0.00% | vs |
| Florida Capital Bank, National AssociationBank Jacksonville, FL | 64 out of 100, Moderate | $713.1M | 9.8% | 0.16% | vs |
Deposit insurance
Is my money safe at Sunstate Bank?
Yes. Sunstate Bank is an FDIC-insured institution (FDIC certificate #34643). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 39.4% of deposits ($198.0M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.45%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.67% (benchmark: 10%).
3 locations
Branches
Sunstate Bank lists 3 offices in 3 cities. Most locations:
- Coral Gables, FL (1)
- Miami, FL (1)
- West Miami, FL (1)
Identity & history
Profile
- Legal name
- Sunstate Bank
- Former names
- Sofisa Bank Florida
- Type
- State-chartered bank
- FDIC certificate #
- 34643
- RSSD ID
- 2791085
- Primary regulator
- FDIC
- Holding company
- Sunstate Bancshares Inc
- Established
- March 15, 1999
- Headquarters
- 14095 S Dixie Hwy, Miami, FL 33176
- Website
- www.sunstatefl.com
- Employees
- 79
Quick answers
Sunstate Bank: common questions
Is Sunstate Bank FDIC insured?
Yes. Sunstate Bank is an FDIC-insured institution (FDIC certificate #34643). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Sunstate Bank's TellerScore?
76 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 Sunstate Bank ever failed?
There is no failure record for FDIC certificate #34643 in the FDIC failed bank list.
How many branches does Sunstate Bank have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Miami
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Dade County Federal Credit UnionCredit union Sweetwater, FL | 84 out of 100, Strong | $1.5B | 13.1% | 0.31% | vs |
| Educational Federal Credit UnionCredit union Miami, FL | 84 out of 100, Strong | $1.8B | 15.4% | 0.61% | vs |
| Hialeah Municipal Employees Federal Credit UnionCredit union Hialeah, FL | 81 out of 100, Strong | $14.2M | 22.9% | 0.04% | vs |
| Guardians Credit UnionCredit union West Palm Beach, FL | 80 out of 100, Strong | $309.5M | 14.7% | 0.42% | vs |
| Centennial BankBank Conway, AR | 79 out of 100, Strong | $24.6B | 12.6% | 0.55% | vs |
| Amerasia BankBank Flushing, NY | 78 out of 100, Strong | $1.1B | 15.1% | 1.59% | vs |