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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · South Dakota, the state note

Sunrise Banks National Association

Sioux Falls, South Dakota · $2.78B in assets · beside the 9 other South Dakota banks between $1B and $3B

The filing

0.34%
ROA
10th of 10
90.4%
Efficiency
10th of 10
278.8%
CRE / capital
10th of 10

Sunrise Banks National Association is the largest of the 10 South Dakota banks between $1B and $3B, with $2.78B in assets at 30 June 2026. Loans are 71.8% of deposits, 2nd of 10 against a median of 87.7%, and equity is 9.2% of assets, 8th of 10. Loans grew +1.1% in the year, 9th of 10, and deposits grew 9.3%; the cohort's median loan growth is +5.6%.

Noncurrent loans are 1.34% of the book, 8th of 10 against a median of 0.80%; 1.13% is 30 to 89 days past due, and the allowance covers them 1.3 times. Net charge-offs are 1.09% of loans, 7th of 10. Commercial real estate is 43.4% of loans, 9th of 10 against a median of 31.6%, and 279% of capital, below the 300% screen, with construction at 29% against the 100% screen.

Return on assets is 0.34%, the lowest in the cohort against a median of 1.20%, on an efficiency ratio of 90.4%, the highest in the cohort. Five years ago it was 1.21%. The question this shape raises is what the liquidity earns, and what a rate path does to the securities book and the deposit base.

Return on assetsSD banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 1.20% FS First Savings Bank 2.55% FN First National Bank 2.50% PB Pioneer Bank & Trust 1.50% AB American Bank & Trust 1.30% PC Plains Commerce Bank 1.29% FN First National Bank in Sioux Falls 1.11% sF 1st Financial Bank USA 0.96% BI Bankwest Inc 0.68% CB Cortrust Bank National Association 0.38% SB Sunrise Banks National Association 0.34%
Loans, year over yearSD banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +5.6% FN First National Bank +13.4% FN First National Bank in Sioux Falls +9.6% BI Bankwest Inc +8.2% FS First Savings Bank +8.2% AB American Bank & Trust +5.7% PC Plains Commerce Bank +5.5% PB Pioneer Bank & Trust +3.7% sF 1st Financial Bank USA +2.9% SB Sunrise Banks National Association +1.1% CB Cortrust Bank National Association +0.3%

SBA 7(a), FY2008 to FY2026

Sunrise Banks National Association is the 10th largest 7(a) lender into Minnesota of 444, with $204M across 726 loans, 2.1% of everything approved in the state (Old National Bank leads with $1.05B). 9 of its 22 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Minnesota, 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
Hennepin, MN$99M7th of 2283.4%-2.1 pts
Ramsey, MN$65M4th of 1396.9%-0.2 pts
Dakota, MN$15M14th of 1601.8%-3.2 pts
Anoka, MN$13M14th of 1361.8%-0.5 pts
Washington, MN$5M19th of 1091.2%quiet FY2022
Carver, MN$2M23rd of 861.1%+0.2 pts
Wright, MN$2M28th of 950.9%quiet FY2012
San Mateo, CA$2M68th of 1290.2%thin
Orange, FL$2M120th of 2010.1%thin
Sawyer, WI$1M8th of 263.6%quiet FY2011
Saint Croix, WI$1M26th of 630.7%quiet FY2022
Scott, MN$1M41st of 960.6%quiet FY2021
Lincoln, SD$995K15th of 421.3%thin
9 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
Accommodation & food services239$66M31.0%0.09%182nd of 2,596
Retail trade126$34M15.7%0.06%233rd of 2,589
Manufacturing68$28M13.2%0.07%234th of 2,246
Professional & technical services62$20M9.2%0.06%194th of 1,955
Other services65$17M8.0%0.05%259th of 2,248
7(a) lenders into Minnesota, share of approvals since FY2008444 lenders on record; the ten largest and Sunrise Banks National Association
ON Old National Bank 10.7% $1.05B · 2,156 loans WF Wells Fargo Bank National Associa… 6.7% $663M · 2,451 loans UB U.S. Bank, National Association 5.7% $556M · 3,508 loans B Bankvista 4.5% $438M · 1,010 loans CF Choice Financial Group 3.6% $349M · 744 loans PB Platinum Bank 3.2% $318M · 420 loans LO Live Oak Banking Company 2.5% $247M · 190 loans sC 21st Century Bank 2.4% $238M · 699 loans FN Falcon National Bank 2.1% $211M · 546 loans SB Sunrise Banks National Association 2.1% $204M · 726 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers, Sunrise Banks National Association among them; owner-occupied excluded; bold marks a screen met
Sunrise Banks National AssociationRankCohort median
Total CRE against capital, the 300% screen279%10th of 10195%
Construction against capital, the 100% screen29%5th of 1036%
Construction and land development, share of loans4.6%3rd of 106.9%
Non-owner-occupied nonfarm nonresidential, share of loans24.5%8th of 1016.7%
Total CRE, the guidance definition, share of loans43.4%9th of 1031.6%
CRE growth over 36 months, the third prong+30.8%7th of 10+16.2%

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
Sunrise Banks National Association$2.78B0.3%90.4%1.34%1.09%1.8%71.8%9.2%
American Bank & Trust$2.25B1.3%54.0%0.57%0.01%1.1%81.6%10.9%
First National Bank in Sioux Falls$2.12B1.1%63.0%0.41%0.08%1.5%89.9%9.3%
First National Bank$2.03B2.5%44.9%0.69%3.43%4.8%104.0%23.4%
Bankwest Inc$1.93B0.7%80.5%2.76%-0.03%1.1%85.6%8.3%
First Savings Bank$1.59B2.5%41.6%0.90%4.01%5.4%94.7%19.3%
Cortrust Bank National Association$1.56B0.4%81.3%0.70%0.71%1.2%73.8%8.9%
1st Financial Bank USA$1.40B1.0%73.1%1.51%2.26%1.8%90.3%16.2%
Plains Commerce Bank$1.30B1.3%84.2%1.22%0.02%1.0%100.6%10.8%
Pioneer Bank & Trust$1.01B1.5%50.1%0.14%0.13%1.1%61.2%10.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Sunrise Banks National AssociationCohort median
20212026Change20212026Change
Loans$1.15B$1.81B+56%$853M$1.31B+53%
Deposits$1.33B$2.51B+89%$1.15B$1.44B+26%
NPA / loans0.24%1.34%+1.11 pts0.42%0.80%+0.38 pts
Efficiency79.7%90.4%+10.7 pts66.7%68.0%+1.3 pts
ROA1.21%0.34%-0.87 pts1.43%1.20%-0.23 pts

This read was prepared for Sunrise Banks 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 Sunrise Banks 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 SD banks $1B to $3B
Institution www.sunrisebanks.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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