Sunflower Bank National Assn: Bank Stress & Real-Estate Credit Exposure

Bank stress at Sunflower Bank National Assn (FDIC Cert #4767) registers 76/100 on DLRadar's scale — a severe reading. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

Its footprint is mid-sized and multi-state: 1,591 ZIP codes in 46 counties over 7 states. The deepest footprints are Texas (16 counties), Kansas (14 counties), Colorado (8 counties), New Mexico (4 counties). Because Sunflower Bank National Assn is held under Firstsun Capital Bcorp, its financials are open to scrutiny and its trend can be independently checked. Sunflower Bank National Assn's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. The Sunflower Bank National Assn score updates as fresh FDIC call reports post each quarter, so its 76/100 reading and 46-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Sunflower Bank National Assn is directly comparable to any lender in the country. Over the trailing week its stress reading is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. At the county level, Sunflower Bank National Assn finances markets like Los Angeles County, CA, Harris County, TX, Maricopa County, AZ, San Diego County, CA — the specific places where its credit posture translates into local lending capacity. The combination of a severe reading and a mid-sized footprint is what makes Sunflower Bank National Assn worth watching as a supply signal. The value is in the linkage: Sunflower Bank National Assn's severe reading is mapped onto 1,591 ZIP codes and 46 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline.

Why a bank's stress matters for acquisitions: local lending capacity drives transactions. When Sunflower Bank National Assn tightens in a county it footprints, refinances stall, construction lending pulls back, and owners who cannot roll their debt slide toward delinquency, foreclosure and forced sale. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. The result is an early, auditable read on supply, every figure anchored to public data.