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Overview / Commentary
1607 West Bethany Home Road
Phoenix, AZ 85015

SunBank, National Association is headquartered in Phoenix and is the 23rd largest bank in the state of Arizona. It is also the 6,359th largest bank in the nation. It was established in 2007 and as of March of 2014, it had grown to 60 employees at 12 locations. SunBank, National Association has a B health rating.

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Data for Q1 2014

Institution Health

Additional Factors: Institutions with a small asset base or a short operating history can represent an instability risk beyond what their financial ratios indicate. SunBank, National Association has a low asset base.

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 SunBank, National Association had $0 in non-current loans and owned real-estate with $9.46 million in equity and loan loss allowances on hand to cover it. This gives SunBank, National Association a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, SunBank, National Association has decreased its total deposits by -$3.4 million, resulting in -12.05% 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 SunBank, National Association has shown is poor.



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. SunBank, National Association has $34.56 million in assets with $9.46 million in equity, resulting in a capitalization level of 27.38%, which is excellent.

Institution Statistics

FDIC Certificate #58611
Year Established2007
Primary RegulatorOCC
Assets and Liabilities
Assets$34.56 million
Loans$12.33 million
Deposits$24.79 million
Equity Capital$9.10 million
Loan Loss Allowance$364,000
Real Estate Owned$0
Historic Data - March 2013
Assets$36.05 million
Equity Capital$7.03 million
Loan Loss Allowance$653,000
Unbacked Noncurrent Loans$0
Real Estate Owned$547,000
Profit Margin - Quarterly
Net Interest Margin2.27%
Return on Assets1.03%
Return on Equity3.71%
Interest Income$153,000

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SunBank, National Association Savings Account Rates

0.05%--Savings Account

SunBank, National Association Money Market Rates

0.25%$1m-Money Market Account

SunBank, National Association Checking Account Rates

0.10%$50k-Elite Checking

SunBank, National Association CD Rates

1.30%$500-60 Month CD
1.10%$500-48 Month CD
1.00%$500-36 Month CD
0.95%$500-30 Month CD
0.90%$500-24 Month CD
0.80%$500-18 Month CD
0.70%$500-15 Month CD
0.60%$500-12 Month CD
0.40%$500-9 Month CD
0.25%$500-182 Day CD
0.20%$500-91 Day CD
0.15%$500-30 Day CD

SunBank, National Association IRA Rates

1.30%$500-60 Month IRA
1.10%$500-48 Month IRA
1.00%$500-36 Month IRA
0.95%$500-30 Month IRA
0.90%$500-24 Month IRA
0.80%$500-18 Month IRA
0.70%$500-15 Month IRA
0.60%$500-12 Month IRA
0.40%$500-9 Month IRA
0.25%$500-182 Day IRA
0.20%$500-91 Day IRA

SunBank, National Association has 12 locations. Click to view all SunBank, National Association locations.