$196M
−0.7%y/y
Percentile by value56th percentileby value
FDIC
ASSETBS
Bank of Sunset and Trust Company
Sunset, LouisianaFDIC Cert #11788
STATEEstablished 19064 branches
Holding company: SUNSET BCORP INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportBank of Sunset and Trust Company reported $196M in total assets. Deposits declined 1.90% over the prior year.
Return on assets was 1.81%, compared with an asset-peer median of 1.18%. The leverage ratio was 11.30%.
- Why is Net Loan Growth, Year over Year below asset peers?
- Why is Efficiency Ratio below asset peers?
- Why is Noncurrent Loan Ratio below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$174M
−1.9%y/y
Percentile by value59th percentileby value
FDIC
DEP$152M
−2.8%y/y
Percentile by value74th percentileby value
FDIC
LNLSNET1.81%
+47 bpsy/y
Peer standing81st percentile
FDIC
NETINC + ROA55.27%
−603 bpsy/y
Peer standing75th percentile
FDIC
NONIX + NIM + NONII + EEFFR11.30%
+60 bpsy/y
Peer standing52nd percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,247 banks from $100 million to $300 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $181M | $161M |
| Q3 2021 | $179M | $159M |
| Q4 2021 | $179M | $159M |
| Q1 2022 | $182M | $164M |
| Q2 2022 | $183M | $165M |
| Q3 2022 | $184M | $166M |
| Q4 2022 | $188M | $170M |
| Q1 2023 | $182M | $164M |
| Q2 2023 | $183M | $160M |
| Q3 2023 | $180M | $157M |
| Q4 2023 | $182M | $151M |
| Q1 2024 | $187M | $169M |
| Q2 2024 | $185M | $164M |
| Q3 2024 | $188M | $162M |
| Q4 2024 | $185M | $163M |
| Q1 2025 | $198M | $177M |
| Q2 2025 | $195M | $174M |
| Q3 2025 | $190M | $169M |
| Q4 2025 | $189M | $167M |
| Q1 2026 | $196M | $174M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $19.7M |
| Investor CRE | $9.44M |
| Multifamily | $4.26M |
| Construction | $43.8M |
| 1–4 family | $58.8M |
| C&I | $12.2M |
| Agriculture | $1.86M |
| Other | $3.38M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.81%81st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.18%90th 2.13%Observations 1,247
ROE
FDIC
NETINC + ROE17.79%84th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.85%Median 11.08%90th 20.43%Observations 1,247
NIM
FDIC
NIM + NIMY5.25%94th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.92%Median 3.89%90th 4.91%Observations 1,247
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR55.27%75th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 47.24%Median 64.46%90th 87.12%Observations 1,247
Deposits YoY
FDIC
DEP−1.90%14th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.02%Median +3.60%90th +14.76%Observations 1,238
Loans YoY
FDIC
LNLSNET−2.85%13th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.89%Median +5.09%90th +18.61%Observations 1,230
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.61%40th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.39%90th 2.38%Observations 1,231
Leverage
FDIC
RBC1AAJ11.30%52nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.82%Median 11.12%90th 16.44%Observations 1,247
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.04%63rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.42%Median 2.26%90th 3.32%Observations 1,237
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 13%Median 92%90th 236%Observations 588
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.81%87th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.29%Median 1.24%90th 1.87%Observations 106
ROE
FDIC
NETINC + ROE17.79%86th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.44%Median 10.48%90th 18.72%Observations 106
NIM
FDIC
NIM + NIMY5.25%95th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.85%Median 4.22%90th 5.01%Observations 106
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR55.27%88th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 53.95%Median 66.25%90th 87.70%Observations 106
Deposits YoY
FDIC
DEP−1.90%15th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.64%Median +4.00%90th +13.43%Observations 106
Loans YoY
FDIC
LNLSNET−2.85%18th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −7.36%Median +3.16%90th +16.18%Observations 106
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.61%66th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.17%Median 1.05%90th 3.48%Observations 106
Leverage
FDIC
RBC1AAJ11.30%47th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.58%Median 11.34%90th 16.76%Observations 106
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.04%73rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.45%Median 2.43%90th 3.37%Observations 106
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 19%Median 151%90th 267%Observations 47
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.81%85th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.22%Median 1.07%90th 1.90%Observations 34
ROE
FDIC
NETINC + ROE17.79%85th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 2.42%Median 9.21%90th 18.35%Observations 34
NIM
FDIC
NIM + NIMY5.25%100th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.34%Median 4.13%90th 4.97%Observations 34
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR55.27%85th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 54.14%Median 70.99%90th 94.22%Observations 34
Deposits YoY
FDIC
DEP−1.90%24th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −5.36%Median +1.86%90th +14.72%Observations 34
Loans YoY
FDIC
LNLSNET−2.85%18th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −10.45%Median +2.98%90th +19.32%Observations 34
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.61%61st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.07%Median 1.39%90th 3.93%Observations 34
Leverage
FDIC
RBC1AAJ11.30%45th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.85%Median 11.41%90th 14.17%Observations 34
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.04%70th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.20%Median 2.44%90th 3.00%Observations 34
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 12%Median 109%90th 175%Observations 11
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 4 branches
- Headquarters
- Sunset, LA
FDIC
OFFDOMOpen the Louisiana dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data