🏦Bank Scorer

SUNSTATE BANK

MIAMI, FL · Supervised by FDIC

Est. 1999FDIC #34,643RSSD: FDIC-34643
Part ofSUNSTATE BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: May 2023

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.76%

Institution Profile

FDIC BankFind

Address

14095 S Dixie Hwy, MIAMI, FL

County

Miami-Dade County

Established

March 15, 1999

Total Assets

$569M(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

May 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:May 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$569M

Total Deposits

$494M

Net Loans

$336M

Net Income

$1M

ROA

0.76%

ROE

6.05%

Risk-Based Capital

14.24%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate23.53%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

3

Branch Deposits

$455M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241770.59%23.53%
20194276.19%16.67%
201814100%0.00%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 2001

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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