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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Texas, the state note

Sunflower Bank National Association

Dallas, Texas · $15.65B in assets · beside the 11 other Texas banks over $10B

The filing

+77.5%
Loans, year over year
1st of 11, largest first
0.22%
ROA
11th of 12
75.2%
Efficiency
11th of 12

Sunflower Bank National Association is the fifth largest of the 12 Texas banks nearest its size over $10B, with $15.65B in assets at 30 June 2026. Loans are 86.9% of deposits, 10th of 12 against a median of 81.6%, and equity is 12.3% of assets, 4th of 12. Loans grew +77.5% in the year, the fastest in the cohort, and deposits grew 87.0%; the cohort's median loan growth is +4.3%.

Noncurrent loans are 1.63% of the book, 10th of 11 against a median of 0.77%; 0.64% is 30 to 89 days past due, and the allowance covers them 0.9 times. Net charge-offs are 0.90% of loans, the highest in the cohort. Commercial real estate is 35.3% of loans, 9th of 11 against a median of 27.7%, and 228% of capital, below the 300% screen, with construction at 18% against the 100% screen. CRE has grown +224.9% over 36 months, past the guidance's 50% prong.

Return on assets is 0.22%, 11th of 12 against a median of 1.33%, on an efficiency ratio of 75.2%, 11th of 12. Five years ago it was 1.05%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Return on assetsTX banks over $10B · 30 June 2026 · higher is stronger, listed first
median 1.33% IB International Bank of Com 2.70% CS Charles Schwab Trust Bank 2.01% AN Amarillo National Bank 1.74% FF First Financial Bank 1.74% CS Charles Schwab Premier Bank SS 1.47% PB Prosperity Bank 1.35% FB Frost Bank 1.30% PB Plainscapital Bank 1.14% N Nexbank 1.06% TC Texas Capital Bank 1.03% SB Sunflower Bank National Association 0.22% SB Stellar Bank -0.61%
Loans, year over yearTX banks over $10B · 30 June 2026 · no better direction, largest first
median +4.3% SB Sunflower Bank National Association +77.5% PB Prosperity Bank +12.8% IB International Bank of Com +10.3% FB Frost Bank +8.1% PB Plainscapital Bank +6.9% TC Texas Capital Bank +4.3% AN Amarillo National Bank +3.8% FF First Financial Bank +3.2% SB Stellar Bank +3.1% N Nexbank -2.2% CS Charles Schwab Premier Bank SS -100.0%

SBA 7(a), FY2008 to FY2026

Sunflower Bank National Association is the 48th largest 7(a) lender into Texas of 706, with $228M across 278 loans, 0.5% of everything approved in the state (Live Oak Banking Company leads with $2.53B). 80 of its 118 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Texas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Maricopa, AZ$75M27th of 3031.0%-4.5 pts
Harris, TX$40M46th of 3140.5%-0.1 pts
El Paso, TX$33M4th of 985.8%-10.9 pts
Los Angeles, CA$31M79th of 3080.2%-0.0 pts
Denver, CO$30M20th of 1931.5%-4.1 pts
Travis, TX$26M20th of 2391.0%+1.2 pts
Adams, CO$21M14th of 1342.0%-5.2 pts
Dallas, TX$21M62nd of 3140.4%quiet FY2021
Arapahoe, CO$21M22nd of 1661.3%quiet FY2021
Jefferson, CO$21M21st of 1831.3%+0.2 pts
Riverside, CA$20M46th of 2190.6%+0.0 pts
Bernalillo, NM$17M8th of 1252.2%quiet FY2022
San Bernardino, CA$15M52nd of 2130.4%thin
105 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance150$107M16.2%0.23%67th of 2,172
Accommodation & food services100$84M12.7%0.11%164th of 2,596
Other services77$73M11.0%0.21%83rd of 2,248
Construction94$65M9.8%0.20%80th of 2,063
Retail trade101$62M9.4%0.10%156th of 2,589
7(a) lenders into Texas, share of approvals since FY2008706 lenders on record; the ten largest and Sunflower Bank National Association
LO Live Oak Banking Company 5.8% $2.53B · 1,820 loans TH The Huntington National Bank 5.2% $2.28B · 3,585 loans WF Wells Fargo Bank National Associa… 4.6% $2.02B · 7,244 loans PB PNC Bank, National Association 3.9% $1.70B · 8,154 loans JC JPMorgan Chase Bank, National Ass… 3.4% $1.49B · 7,339 loans WB Wallis Bank 3.2% $1.41B · 1,134 loans CB Celtic Bank Corporation 2.0% $879M · 1,359 loans Bo Bank of Hope 1.7% $741M · 1,359 loans RL Readycap Lending, LLC 1.7% $728M · 1,216 loans EB Enterprise Bank & Trust 1.6% $717M · 569 loans SB Sunflower Bank National Associati… 0.5% $228M · 278 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Sunflower Bank National AssociationRankCohort median
Total CRE against capital, the 300% screen228%10th of 12120%
Construction against capital, the 100% screen18%4th of 1239%
Construction and land development, share of loans2.8%3rd of 1110.6%
Non-owner-occupied nonfarm nonresidential, share of loans10.2%6th of 1110.2%
Total CRE, the guidance definition, share of loans35.3%9th of 1127.7%
CRE growth over 36 months, the third prong+224.9%10th of 10+6.5%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Frost Bank$53.95B1.3%62.5%0.55%0.13%1.2%52.6%8.6%
Prosperity Bank$43.88B1.4%51.1%0.48%0.35%1.5%76.0%18.5%
Texas Capital Bank$33.62B1.0%59.3%0.50%0.27%1.1%84.9%10.1%
Charles Schwab Premier Bank SS$26.58B1.5%14.9%0.00%0.00%0.0%0.0%7.9%
Sunflower Bank National Association$15.65B0.2%75.2%1.63%0.90%1.5%86.9%12.3%
First Financial Bank$15.23B1.7%44.9%0.77%-0.01%1.3%62.9%11.8%
Nexbank$14.16B1.1%50.8%1.47%0.06%0.4%84.5%8.4%
Plainscapital Bank$12.68B1.1%75.1%1.03%0.16%0.9%87.0%10.7%
Charles Schwab Trust Bank$10.51B2.0%25.4%no recordno recordno record0.0%7.7%
Stellar Bank$10.40B-0.6%96.3%0.69%0.14%1.1%86.0%15.2%
Amarillo National Bank$10.38B1.7%49.2%1.54%0.75%1.3%78.7%10.8%
International Bank of Com$10.19B2.7%36.5%2.21%0.03%1.6%109.0%20.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Sunflower Bank National AssociationCohort median
20212026Change20212026Change
Loans$3.93B$11.71B+198%$5.53B$8.82B+59%
Deposits$4.76B$13.48B+183%$10.30B$12.17B+18%
NPA / loans0.95%1.63%+0.68 pts0.54%0.77%+0.23 pts
Efficiency76.9%75.2%-1.6 pts52.6%51.0%-1.6 pts
ROA1.05%0.22%-0.83 pts1.26%1.33%+0.06 pts

This read was prepared for Sunflower Bank National Association's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Sunflower Bank National Association is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort TX banks over $10B
Institution www.sunflowerbank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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