SUNFLOWER BANK, NATIONAL ASSOCIATION

DALLAS, TX · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1892FDIC #4,767

Satisfactory Same

Current rating · Exam: November 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.11%

Institution Profile

FDIC BankFind

Website

www.sunflowerbank.com

Address

8117 Preston Rd, DALLAS, TX

County

Dallas County

Established

May 24, 1892

Total Assets

$8.6B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

November 20, 2023

Exam Type

Large Bank

Regulator

OCC (Office of the Comptroller of the Currency)

What is a CRA rating? →

Estimated next exam:Nov 2027(based on asset size)

Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$8.6B

Total Deposits

$7.2B

Net Loans

$7.0B

Net Income

$24M

ROA

1.11%

Above avg for Community banks. Peer avg: 0.90%

ROE

8.38%

Risk-Based Capital

14.48%

Above avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA1.11%Peer avg: 0.90%▲ Above avg

Risk-Based Capital14.48%Peer avg: 12.91%▲ Above avg

Mortgage Denial Rate5.88%Peer avg: 9.91%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$7.2B

1-Year Change

5-year net change: +16 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	4,402	68.15%	5.88%
2023	4,081	64.15%	5.12%
2022	7,108	62.35%	5.84%
2021	10,652	68.73%	5.45%
2020	12,495	68.53%	5.78%
2019	6,895	68.61%	5.67%
2018	4,118	71.9%	6.99%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Nov 2023	Satisfactory	Large Bank
Aug 2020	Satisfactory	Large Bank
Jun 2017	Satisfactory	Large Bank

7 previous ratings locked — back to 1993

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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