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226 West Landis Avenue
Vineland, NJ 08360

Sun National Bank is headquartered in Vineland and is the 9th largest bank in the state of New Jersey. It is also the 256th largest bank in the nation. It was established in 1985 and as of March of 2014, it had grown to 636 employees at 56 locations. Sun National Bank's savings rates are 44% higher than the national average, and it has a B+ health rating.

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Reviews (1)

Mistakes And Lies

I was a customer of this bank for a few months. During this time the bank made so many mistakes that I regretted to have opened accounts wiith them. The final straw: The manager of the bank told me that there are so many bank fees that they can't inform the customers of all of them. He also lied outrageously when it became obvious that he made a mistake.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Sun National Bank had $40.18 million in non-current loans and owned real-estate with $354.5 million in equity and loan loss allowances on hand to cover it. This gives Sun National Bank a Texas Ratio of 11.33% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Sun National Bank decreased dramatically from 21.45% as of March 31, 2013 to 11.33% as of March 31, 2014, resulting in a positive change of 47.17%.This indicates that the balance sheet and financial strength for Sun National Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Sun National Bank has decreased its total deposits by -$150.73 million, resulting in -5.5% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Sun National Bank has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Sun National Bank has $3.03 billion in assets with $354.5 million in equity, resulting in a capitalization level of 11.69%, which is excellent.

Institution Statistics

FDIC Certificate #26240
Year Established1985
Primary RegulatorOCC
Assets and Liabilities
Assets$3.03 billion
Loans$2.07 billion
Deposits$2.59 billion
Equity Capital$320.73 million
Loan Loss Allowance$33.77 million
Unbacked Noncurrent Loans$37.45 million
Real Estate Owned$2.73 million
Historic Data - March 2013
Assets$3.22 billion
Equity Capital$336.31 million
Loan Loss Allowance$47.12 million
Unbacked Noncurrent Loans$37.45 million
Real Estate Owned$8.47 million
Profit Margin - Quarterly
Net Interest Margin3.17%
Return on Assets-0.22%
Return on Equity-2.13%
Interest Income$24.64 million

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Sun National Bank Savings Account Rates

0.75%-$250kHigh Interest Paperless e-Savings
0.35%$25-Sun Growth Relationship IRA
0.35%$25-Sun Growth Relationship Educational IRA
0.35%$25-Sun Growth Relationship Roth IRA
0.30%$50k-Maximum Savings
0.20%$25k-Basic Savings
0.20%--Auto Debit Club Account
0.15%--Young Savers
0.15%$250k-C4 Business Savings
0.15%$25k-SunRay Savings
0.10%$25-Sun Growth IRA
0.10%$25-Sun Growth Educational IRA
0.10%$25-Sun Growth Roth IRA

Sun National Bank Money Market Rates

0.30%$50k-Maximum Money Market
0.30%$250k-C4 Business Money Market
0.30%$250k-Business Performance Money Market
0.20%$25k-Basic Money Market
0.20%$25k-Sun Ray Money Market
0.15%$250k-Basic Business Money Market

Sun National Bank Checking Account Rates

0.30%$2,500-KAPOW Checking
0.30%$250k-Maximum Interest Checking
0.05%$500-Sun Interest Checking Non Personal

Sun National Bank CD Rates

1.31%$500$100k60 Month Relationship CD
1.05%$500$100k60 Month CD
1.00%$500$100k36-47 Month Relationship CD
1.00%$500$100k48-59 Month Relationship CD
0.80%$500$100k18 Month Promo Relationship CD
0.75%$500$100k36-47 Month CD
0.75%$500$100k48-59 Month CD
0.70%$500$100k24-35 Month Relationship CD
0.65%$500$100k8 Month Promo Relationship CD
0.60%$500$100k12-23 Month Relationship CD
0.55%$500$100k18 Month Promo CD
0.45%$500$100k24-35 Month CD
0.40%$500$100k8 Month Promo CD
0.35%$500$100k12-23 Month CD
0.35%$500$100k18 Month Sun Rise Relationship CD
0.35%$500-182-364 Day CD Relationship CD
0.30%$500$100k7-29 Day Relationship CD
0.30%$500$100k30-91 Day Relationship CD
0.30%$500$100k18 Month Sun Power Relationship CD
0.30%$500-92-181 Day CD Relationship CD
0.10%$500$100k18 Month Sun Rise CD
0.10%$500-182-364 Day CD
0.05%$500$100k7-29 Day CD
0.05%$500$100k30-91 Day CD
0.05%$500$100k18 Month Sun Power CD
0.05%$500-92-181 Day CD

Sun National Bank IRA Rates

1.31%$500$100k60 Month Relationship IRA
1.05%$500$100k60 Month IRA
1.00%$500$100k36-47 Month Relationship IRA
1.00%$500$100k48-59 Month Relationship IRA
0.75%$500$100k36-47 Month IRA
0.75%$500$100k48-59 Month IRA
0.70%$500$100k24-35 Month Relationship IRA
0.60%$500$100k12-23 Month Relationship IRA
0.45%$500$100k24-35 Month IRA
0.35%$500$100k12-23 Month IRA
0.35%$500$100k18 Month Sun Rise Relationship IRA
0.30%$500$100k18 Month Sun Power Relationship IRA
0.10%$500$100k18 Month Sun Rise IRA
0.05%$500$100k18 Month Sun Power IRA

Sun National Bank has 56 locations. Click to view all Sun National Bank locations.