TellerScore

Sunwest Bank (FDIC certificate #20164) is based in Sandy, Utah. Its Q2 2026 call report shows $4.4B in total assets and $3.4B in deposits and 12 offices across 6 states.

Sunwest Bank has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 30% of its 897 banks with $1 billion – $10 billion. Among 45 banks headquartered in Utah, it ranks 38th. Problem-loan coverage contributes the most (91/100, 4.5%); funding & liquidity contributes the least (16/100, 102% loans-to-deposits, 53% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.71%
Loan quality80/100
Noncurrent loans ÷ total loans: 0.60%
Earnings85/100
Return on assets (annualized): 1.62%
Funding & liquidity16/100
Loans ÷ deposits and uninsured-deposit share: 101.8% · 53.1% uninsured
Problem-loan coverage91/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 4.49%

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 (66 → 63), mostly because the loan quality component weakened by 10 points.

TellerScore
586266Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202458
Q3 202460
Q4 202463
Q1 202565
Q2 202566
Q3 202566
Q4 202565
Q1 202663
Q2 202663
Tier 1 leverage ratio
5.00%7.47%9.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20248.99%
Q3 20249.04%
Q4 20249.38%
Q1 20259.47%
Q2 20259.62%
Q3 20259.80%
Q4 20259.95%
Q1 20269.77%
Q2 20269.71%
Noncurrent loans
0.31%0.48%0.65%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.36%
Q3 20240.32%
Q4 20240.32%
Q1 20250.49%
Q2 20250.31%
Q3 20250.55%
Q4 20250.57%
Q1 20260.65%
Q2 20260.60%
Return on assets
1.08%1.50%1.93%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.08%
Q3 20241.24%
Q4 20241.37%
Q1 20251.71%
Q2 20251.66%
Q3 20251.85%
Q4 20251.93%
Q1 20261.69%
Q2 20261.62%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$4.4B9.71%0.60%1.62%101.8%
Q1 202663$4.3B9.77%0.65%1.69%98.5%
Q4 202565$4.1B9.95%0.57%1.93%103.2%
Q3 202566$3.8B9.80%0.55%1.85%93.7%
Q2 202566$3.7B9.62%0.31%1.66%95.6%
Q1 202565$3.6B9.47%0.49%1.71%96.1%
Q4 202463$3.5B9.38%0.32%1.37%98.1%
Q3 202460$3.4B9.04%0.32%1.24%99.9%
Q2 202458$3.4B8.99%0.36%1.08%96.9%

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 ratio9.71%
29th
Total risk-based capital11.66%
29th
Problem loans0.60%
43rd
Net charge-offs-0.00%
91st
Return on assets1.62%
75th
Net interest margin4.29%
81st
Efficiency ratio61.6%
41st
Loans to deposits101.8%
11th
Uninsured deposits53.1%
7th
Loan-loss reserves1.77%
93rd
Texas ratio4.5%
42nd

Similar-size banks in Utah

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of UtahBank Ogden, UT75 out of 100, Strong$3.8B12.7%0.15%vs
Cache Valley BankBank Logan, UT73 out of 100, Strong$3.5B10.7%0.29%vs
Celtic BankBank Salt Lake City, UT64 out of 100, Moderate$5.3B18.0%3.63%vs
Green Dot Bank DBA Bonneville BankBank Provo, UT53 out of 100, Below average$5.4B8.6%3.56%vs
Nelnet BankBank Draper, UT74 out of 100, Strong$3.0B15.9%2.17%vs
WebBankBank Salt Lake City, UT88 out of 100, Very strong$2.9B17.4%0.51%vs

Deposit insurance

Is my money safe at Sunwest Bank?

Yes. Sunwest Bank is an FDIC-insured institution (FDIC certificate #20164). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 53.1% of deposits ($1.8B) are above the $250,000 FDIC insurance limit, above the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.71%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.66% (benchmark: 10%).

Check how much of your own balance is covered

12 locations

Branches

Sunwest Bank lists 12 offices in 10 cities across 6 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Sunwest Bank reported 76 home-loan applications under HMDA (LEI 549300KRZPD4CJ340L77): 76 originated ($13,060,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, 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
Sunwest Bank
Former names
Santiago Bank; Santiago Commercial Bank
Type
State-chartered bank
FDIC certificate #
20164
RSSD ID
140362
Primary regulator
FDIC
Holding company
H Bcorp Llc
Established
April 9, 1970
Headquarters
10011 S Centennial Pkwy, Sandy, UT 84070
Employees
341

Quick answers

Sunwest Bank: common questions

Is Sunwest Bank FDIC insured?

Yes. Sunwest Bank is an FDIC-insured institution (FDIC certificate #20164). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Sunwest Bank's TellerScore?

63 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 Sunwest Bank ever failed?

There is no failure record for FDIC certificate #20164 in the FDIC failed bank list.

How many branches does Sunwest Bank have?

12 offices as of the latest FDIC data, in 6 states.

Nearby

Highest-scoring banks and credit unions with branches near Sandy

InstitutionScoreAssetsCapitalProblem loansCompare
Uintah Credit UnionCredit union Vernal, UT100 out of 100, Very strong$3.9M21.3%0.00%vs
Optum Bank, Inc.Bank Draper, UT93 out of 100, Very strong$21.4B13.2%0.21%vs
Norfolk Fire Department Federal Credit UnionCredit union Norfolk, VA93 out of 100, Very strong$26.8M20.1%0.41%vs
Beckstrand and Associates Credit UnionCredit union Salt Lake City, UT93 out of 100, Very strong$166K99.9%—vs
Wiremen'S Credit UnionCredit union Parma, OH92 out of 100, Very strong$40.6M17.0%0.11%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs