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The Lender Report built this page from public records. Sunrise Banks, National Association has not reviewed it. Every lender's page starts this way, and it says nothing about Sunrise Banks, National Association itself. Each figure shows its source and date. Work at Sunrise Banks, National Association? You can claim this page for free.
Bank, Sioux Falls, SD
Sunrise Banks, National Association
A bank based in Sioux Falls, SD. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $1.22B
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- 15
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 85
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $2.78B
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 844-786-5600 From the lender's website, retrieved November 9, 2026. Source page
- Website
- www.sunrisebanks.comFrom the FDIC record, November 9, 2026.
- Commercial lending page
- sunrisebanks.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- SUNRISE BANKS, N.A.; Sunrise Banks National Association; Sunrise Banks, N.A.FDIC institution record,
- Address
- 5105 S Crossing Pl, Sioux Falls, SD 57108FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Recorded lending
Recorded lending. Two or more public files show loans this lender made.
What changed. Sunrise Banks, National Association's Construction balance rose 25.9% to $82.7M in the quarter ended June 30, 2026. FDIC call reports,
| When | What the record shows | Source |
|---|---|---|
| October 21, 2026 | Certified by the CDFI Fund as a Community Development Financial Institution.Membership in a public list, not lending volume. | CDFI Fund certified list, |
| Oct 2023 to Sep 2026 | SBA 7(a) approvals by processing method: 43 under Preferred Lender authority, 33 SBA Express.SBA ProcessingMethod field, net of cancellations. | SBA FOIA, |
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 10.6% to $443.1M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Owner-occupied CRE balance rose 2.9% to $306.1M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Multifamily balance rose 1.9% to $258.8M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| 2024 | Reported making 237 small business loans totaling $70.1M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. | FFIEC CRA disclosure data |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Sep 2026 | Minnesota | SBA 7(a), General Automotive Repair | $250K | 9.25% | 10 yr | SBA FOIA | |
| Sep 2026 | Minnesota | SBA 7(a), Photography Studios, Portrait | $180K | 8.75% | 10 yr | SBA FOIA | |
| Sep 2026 | Minnesota | SBA 7(a), General Automotive Repair | $100K | 9.25% | 10 yr | SBA FOIA | |
| Jul 2026 | Minnesota | SBA 7(a), Electrical Contractors and Other Wiring Installation Contractors | $1.6M | 8.25% | 10 yr | SBA FOIA | |
| May 2026 | Minnesota | SBA 7(a), Fitness and Recreational Sports Centers | $220K | 9.5% | 10 yr | SBA FOIA | |
| May 2026 | Minnesota | SBA 7(a), Fitness and Recreational Sports Centers | $25K | 9.5% | 10 yr | SBA FOIA | |
| Apr 2026 | Florida | SBA 7(a), All Other General Merchandise Retailers | $1.5M | 8% | 10 yr | SBA FOIA | |
| Apr 2026 | Texas | SBA 7(a), All Other General Merchandise Retailers | $920K | 8% | 7 yr | SBA FOIA | |
| Mar 2026 | Minnesota | SBA 7(a), Other Personal Care Services | $2.4M | 8.75% | 10 yr | SBA FOIA | |
| Mar 2026 | Minnesota | SBA 7(a), Other Personal Care Services | $1.9M | 8.75% | 10 yr | SBA FOIA | |
| Mar 2026 | Minnesota | SBA 7(a), Full-Service Restaurants | $1.5M | 8.75% | 10 yr | SBA FOIA | |
| Mar 2026 | Minnesota | SBA 7(a), Hobby, Toy, and Game Retailers | $75K | 9.5% | 10 yr | SBA FOIA | |
| Feb 2026 | Minnesota | SBA 7(a), Full-Service Restaurants | $320K | 9.5% | 10 yr | SBA FOIA | |
| Feb 2026 | Minnesota | SBA 7(a), Environmental Consulting Services | $150K | 9.5% | 10 yr | SBA FOIA | |
| Feb 2026 | Minnesota | SBA 7(a), Full-Service Restaurants | $150K | 9% | 10 yr | SBA FOIA | |
| Feb 2026 | Minnesota | SBA 7(a), Full-Service Restaurants | $25K | 9.5% | 10 yr | SBA FOIA | |
| Jan 2026 | Minnesota | SBA 7(a), Other Personal Care Services | $3.2M | 9.25% | 10 yr | SBA FOIA | |
| Jan 2026 | Minnesota | SBA 7(a), Full-Service Restaurants | $1.2M | 9.5% | 10 yr | SBA FOIA | |
| Jan 2026 | Minnesota | SBA 7(a), Full-Service Restaurants | $920K | 9% | 10 yr | SBA FOIA | |
| Jan 2026 | Minnesota | SBA 7(a), Full-Service Restaurants | $450K | 9.5% | 10 yr | SBA FOIA | |
| Mar 2025 | Minnesota | SBA 504, All Other Personal Services | $570K | 10 yr | SBA FOIA | ||
| Feb 2025 | Minnesota | SBA 504, Used Car Dealers | $400K | 25 yr | SBA FOIA | ||
| Sep 2024 | Minnesota | SBA 504, Wholesale Trade | $870K | 20 yr | SBA FOIA | ||
| Oct 2023 | Minnesota | SBA 504, Full-Service Restaurants | $2.3M | 25 yr | SBA FOIA | ||
| Oct 2023 | Minnesota | SBA 504, Full-Service Restaurants | $760K | 25 yr | SBA FOIA | ||
| 77 SBA 7(a) loans since October 2023, net of cancelled | $38.1M | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $259M | 14.3% | +1.9% |
| Construction and land development | $82.7M | 4.6% | -15.7% |
| Owner-occupied CRE | $306M | 16.9% | +2.9% |
| Non-owner-occupied CRE | $443M | 24.5% | +10.6% |
| Farmland | $0 | 0.0% | Not reported |
| Commercial and industrial | $128M | 7.1% | +0.5% |
| Commercial total | $1.22B |
Reference only: $264M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $941M |
| Q4 2023 | $971M |
| Q1 2024 | $1.00B |
| Q2 2024 | $1.06B |
| Q3 2024 | $1.10B |
| Q4 2024 | $1.16B |
| Q1 2025 | $1.16B |
| Q2 2025 | $1.18B |
| Q3 2025 | $1.19B |
| Q4 2025 | $1.19B |
| Q1 2026 | $1.21B |
| Q2 2026 | $1.22B |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| Multifamily, 5 or more units | 2025 | 15 | $22.0M | $715K | $4.8M | HMDA, |
| Multifamily, 5 or more units | 2024 | 20 | $134M | $2.71M | HMDA, | |
| 1-4 unit investor or business purpose | 2025 | 53 | $9.90M | $145K | HMDA, | |
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 77 | $38.1M | $200K | $3.4M | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 27 | $20.0M | SBA FOIA, | ||
| SBA 504 first lien, net of cancelled | 36 months to Sep 2026 | 8 | $8.27M | $798K | $2.3M | SBA FOIA, |
How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: its name and state.
| Industry | Loans | Dollars |
|---|---|---|
| Full-Service Restaurants | 21 | $12.1M |
| Limited-Service Restaurants | 7 | $1.11M |
| All Other General Merchandise Retailers | 5 | $4.90M |
Other lenders in these fields: SBA lenders for restaurants, SBA lenders for retail stores.
Programs on record: Federal Home Loan Bank member, Des Moines district (FHFA).
Small business loans reported under CRA
FFIEC CRA, 2024
- Sunrise Banks, National Association reported making 237 small business loans totaling $70,112,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
- By size when made: 91 of $100,000 or less, 50 over $100,000 up to $250,000, 96 over $250,000 up to $1 million.
- 85 of them, totaling $15,370,000, went to businesses with revenue of $1 million or less.
| County | Loans | Total |
|---|---|---|
| Hennepin County, MN | 113 | $32.7M |
| Ramsey County, MN | 76 | $25.8M |
| Olmsted County, MN | 13 | $205K |
| Anoka County, MN | 12 | $4.50M |
| Dakota County, MN | 7 | $1.99M |
| Washington County, MN | 5 | $1.51M |
In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.
Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.
How this filing was tied to this bank: OCC charter via FFIEC POR + transmittal RSSD.
Program lists that name this lender
Membership, not lending volume
- Listed by CDFI Fund: List of Certified CDFIs as: Certified CDFI (October 21, 2026). Certified by the CDFI Fund as a Community Development Financial Institution. Kind of institution: Bank or Thrift. Certification: Certified by the CDFI Fund since 2014-02-14.
Being on a list says the lender is a member of that program on the date shown. It does not say how much it lends.
Undrawn commitments
FFIEC Call Report, June 30, 2026
- Sunrise Banks, National Association reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family residential construction and $30,523,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $60,948,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 166 | $4.69M |
| Over $100,000 up to $250,000 | 99 | $11.9M |
| Over $250,000 up to $1 million | 103 | $39.8M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 14 | $1.38M |
| Over $100,000 up to $250,000 | 56 | $8.35M |
| Over $250,000 up to $1 million | 247 | $111M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Minnesota | 3 | 15 | 53 | 70 | 8 |
| South Dakota HQ | 2 | 0 | 0 | 3 | 0 |
| California | 0 | 0 | 0 | 1 | 0 |
| Florida | 0 | 0 | 0 | 1 | 0 |
| Illinois | 0 | 0 | 0 | 1 | 0 |
| Texas | 0 | 0 | 0 | 1 | 0 |
| County | Recorded loans | Dollars |
|---|---|---|
| Hennepin County, MN | 12 | $37.4M |
| Ramsey County, MN | 12 | $27.3M |
| Metro | Recorded loans | Dollars |
|---|---|---|
| Minneapolis-St. Paul-Bloomington, MN-WI | 31 | $144M |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- Sunrise Banks, National Association has 5 offices in 3 counties and 2 states (FDIC Summary of Deposits, June 30, 2026): 5 full service and 0 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Hennepin County, MN | 2 | 0 |
| Lincoln County, SD | 2 | 0 |
| Ramsey County, MN | 1 | 0 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $47.1M | $25.1M to $83.0M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 250.1% | 53.5% to 223.1% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 26.4% | 16.6% to 76.7% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 71.8% | 73.8% to 104.0% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $30.5M | $49.4M to $180M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn. | FDIC call report, |
| Loans to assets | 65.0% | 58.7% to 84.7% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Loan channel and SBA processing
Public record only
- Preferred Lender authority
- 43 loans (55.8%)
- SBA Express
- 33 loans
- Approval to first disbursement
- 28 days, median of 62
SBA FOIA, SBA 7(a) loans, 36 months. Counted from SBA approval, not application. Lines of credit disburse fast.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| First National Bank | SD | $2.03B | $1.12B |
| First Dakota National Bank | SD | $3.39B | $2.25B |
| American Bank & Trust | SD | $2.25B | $998M |
| First PREMIER Bank | SD | $3.64B | $682M |
| First Savings Bank | SD | $1.59B | $874M |
| CorTrust Bank National Association | SD | $1.56B | $756M |
| BankWest, Inc. | SD | $1.93B | $859M |
| First Bank & Trust | SD | $4.78B | $2.64B |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. Sunrise Banks, National Association, FDIC certificate 18561. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $2.78B in total assets and $1.22B in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 173 recorded loans from HMDA and SBA files, through September 30, 2026: 15 HMDA multifamily 2025, 20 HMDA multifamily 2024, 53 HMDA 1-4 unit investor 2025, 77 SBA 7(a) in 36 months, 8 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to Sunrise Banks, National Association]
- Phone and website. Phone 844-786-5600, from the lender's website on November 9, 2026. Website sunrisebanks.com, from the FDIC record. [How to reach them]
- Small business loans reported under CRA. 237 small business loans reported in its CRA filing for 2024. [Source]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- Office of the Comptroller of the Currency
- FDIC certificate
- 18561
- RSSD
- 860053
- LEI
- 549300HWDY3N8UVJO697
- The Lender Report ID
- lr_000659
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
- Head office metro area
- Sioux Falls, SD
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $2.8B in total assets as of June 30, 2026 (FDIC call report).
- Held $1.2B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $443.1M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 10.6% from a year earlier (FDIC call report).
- Held $306.1M of owner-occupied commercial real estate loans as of June 30, 2026, up 2.9% from a year earlier (FDIC call report).
- Held $258.8M of multifamily loans as of June 30, 2026, up 1.9% from a year earlier (FDIC call report).
- Originated 15 multifamily loans totaling $22M in 2025 (HMDA).
10 more sentences
- Originated 20 multifamily loans totaling $134.1M in 2024 (HMDA).
- Originated 53 1-4 unit investor or business-purpose loans totaling $9.9M in 2025 (HMDA).
- Recorded 82 SBA 7(a) approvals totaling $38.4M from October 1, 2023 to September 30, 2026, of which 5 were later cancelled (SBA).
- Provided the first lien on 9 SBA 504 projects with $8.9M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Listed 5 offices in 2 states (FDIC).
- Reported making 237 small business loans totaling $70.1M in 2024, in its Community Reinvestment Act filing (FFIEC).
- Held 368 commercial and industrial loans that were $1 million or less when made, with a balance of $56.3M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 317 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $120.6M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $0 for 1-4 family and $30.5M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
- Certified by the CDFI Fund as a Community Development Financial Institution. (CDFI Fund list, as of October 21, 2026).
Cite this
Source: The Lender Report, Sunrise Banks, National Association, https://lender.report/lender/sunrise-banks-sd/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- HMDA, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FFIEC CRA disclosure data, 2024
- FDIC Summary of Deposits, June 30, 2026
- CDFI Fund certified list, October 21, 2026
Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.
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Work at Sunrise Banks, National Association? Claim this page, free.
Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem