🏦Bank Scorer

SUNRISE BANKS, NATIONAL ASSOCIATION

SIOUX FALLS, SD · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1962FDIC #18,561
Outstanding Same

Current rating · Exam: August 2023

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At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Adequate

ROA 0.26%

Institution Profile

FDIC BankFind

Address

5105 S Crossing Pl, SIOUX FALLS, SD

County

Lincoln County

Established

July 17, 1962

Total Assets

$2.7B(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

August 14, 2023

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
Estimated next exam:Aug 2027(based on asset size)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$2.7B

Total Deposits

$2.5B

Net Loans

$1.8B

Net Income

$2M

ROA

0.26%

ROE

2.80%

Risk-Based Capital

0.00%

Regulatory minimum: 8%

Peer Comparison

Community banks

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

Mortgage Denial Rate12.54%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$2.3B

1-Year Change

0

5-year net change: -2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202429573.56%12.54%
202328479.23%8.80%
202245784.25%7.00%
202159274.32%14.70%
202064575.81%9.77%
201942777.05%10.77%
201834886.21%5.46%

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

7 previous ratings locked — dating back to 1994

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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