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Sunstate Bank
Miami, FL · State-chartered bank (not a Fed member) · Part of Sunstate Bancshares Inc
- Total assets
- $580.4M
- Q2 2026
- Deposits
- $502.7M
- Net income
- $2.9M
- first half of 2026
- Return on assets
- 1.01%
- Annualized
Bank details
As reported to the FDIC
- FDIC certificate
- 34643
- Main office
- Miami, FL
- Holding company
- Sunstate Bancshares Inc
- Charter
- State-chartered bank (not a Fed member)
- Primary federal regulator
- Federal Deposit Insurance Corporation (FDIC)
- Established
- 03/15/1999
- FDIC insured since
- 03/15/1999
- U.S. offices
- 3
- Employees (full-time equivalent)
- 79
- Specialty
- Commercial Lending Specialization
- Minority depository institution
- Majority of the Board Hispanic American, serving a minority community
- Website
- www.sunstatefl.com
Quarterly financials
From the bank's Call Reports. Income figures are year to date; ratios are annualized.
| Quarter | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $580.4M | $568.9M | $569M | $570.4M | $537.2M | $546.1M | $546.1M | $535.9M |
| Deposits | $502.7M | $493.6M | $483.4M | $480.8M | $454.6M | $446.1M | $446.9M | $436.5M |
| Net loans and leases | $338.8M | $335.7M | $330.3M | $327M | $331.8M | $303.2M | $298.4M | $306.1M |
| Securities | $78.77M | $78.77M | $70.32M | $70.27M | $70.07M | $60.82M | $60.38M | $77.92M |
| Equity capital | $73.22M | $71.51M | $71.03M | $70.22M | $69.12M | $67.7M | $67.1M | $67.74M |
| Net income (year to date) | $2.9M | $1.08M | $3.13M | $2.35M | $1.39M | $276K | $2.42M | $2.4M |
| Return on assets | 1.01% | 0.76% | 0.57% | 0.57% | 0.51% | 0.20% | 0.46% | 0.62% |
| Return on equity | 8.05% | 6.05% | 4.54% | 4.58% | 4.09% | 1.64% | 3.66% | 4.87% |
| Net interest margin | 3.51% | 3.41% | 3.30% | 3.32% | 3.27% | 2.99% | 3.27% | 3.30% |
| Efficiency ratio | 72.3% | 75.1% | 76.7% | 75.0% | 74.0% | 82.0% | 81.6% | 77.0% |
| Noncurrent loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.04% | 0.04% | 0.04% |
| Net charge-off rate | 0.00% | 0.00% | -0.01% | -0.02% | -0.01% | -0.01% | -0.02% | 0.00% |
| Leverage (core capital) ratio | 11.45% | 11.10% | 11.02% | 10.95% | 11.37% | 10.99% | 11.01% | 11.21% |
| Total risk-based capital ratio | 14.67% | 14.24% | 14.02% | 14.26% | 13.71% | 15.16% | 15.37% | 14.85% |
Assets grew 8.0% from Q2 2025.
Loan mix
Share of gross loans, Q2 2026
- Real estate loans$299.9M88.5%
- Commercial and industrial loans$40.02M11.8%
- Consumer loans$1.93M0.6%
Find bank branches in Florida · Employees: 79
Frequently asked questions
- What is Sunstate Bank's FDIC certificate number?
- Sunstate Bank's FDIC certificate number is 34643.
- How big is Sunstate Bank?
- Sunstate Bank reported total assets of $580.4M and deposits of $502.7M as of Q2 2026.
- Is Sunstate Bank FDIC insured?
- Yes. Sunstate Bank has been insured by the FDIC since 03/15/1999. Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
Source: Federal Deposit Insurance Corporation, BankFind Suite (Call Report data) · Last updated 06/30/2026