Sunrise Banks, National Association

Sioux Falls, South DakotaFDIC Cert #18561

OCCEstablished 19625 branches

Holding company: UNIVERSITY FINL GBC DBA SUNRISE BANKSRegulator: OCC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$312M
Investor CRE	$442M
Multifamily	$268M
Construction	$65.6M
1–4 family	$260M
C&I	$123M
Agriculture	$0
Other	$334M

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$1.8B

+1.0%y/y

Percentile by value86th percentileby value

FDICLNLSGR

Net loans

$1.77B

+0.5%y/y

Percentile by value86th percentileby value

FDICLNLSNET

Loans YoY

+0.49%

−97.2%y/y

Percentile by value18th percentileby value

FDICLNLSNET

L/D

71.7%

−6.8%y/y

Percentile by value20th percentileby value

FDICLNLSNET + DEP

Loans/assets

64.8%

−6.7%y/y

Percentile by value26th percentileby value

FDICLNLSNET + ASSET

RE loans %

75.85%

+4.2%y/y

Percentile by value26th percentileby value

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

1,388points

+12.2%y/y

Peer standing92nd percentile

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

17.32%

+3.6%y/y

Percentile by value77th percentileby value

FDICLNRENROW + LNLSGR

Investor CRE %

24.47%

+10.8%y/y

Percentile by value70th percentileby value

FDICLNRENROT + LNLSGR

C&I %

6.81%

−9.2%y/y

Percentile by value30th percentileby value

FDICLNCI + LNLSGR