Sunflower Bank, N.A.

Our locations will be closed today, November 28, in observance of the Thanksgiving holiday. We will be open our normal hours of operation on Friday, November 29 and Saturday, November 30. We are thankful for you, and that you choose to do business with us.

“A well-designed, well-written proposal shows bankers and other lenders that your business is a sound investment that generates solid, stable returns.” ? The article "How to Prepare an Effective Loan Proposal" helps business owners understand what banks are looking for in a loan candidate and walks them through things to be prepared for when approaching their financial institution about a loan. ? Find this article and more in our Resource Center, which provides education on personal and business financial topics, information on online security and fraud prevention, and articles from leaders at Sunflower Bank. https://trst.in/QBJi5T

In this week's market update, "Markets Await PCE Data in Holiday-Shortened Week", our Wealth Management team analyzes market activity from the past week. Third quarter earnings season has effectively concluded with 95% of S&P 500 companies reporting results. With earnings season in the rearview mirror, the first two days of the holiday-shortened week is light on market moving data releases. Trading volume will likely be low throughout the week as market participants take time off for Thanksgiving. However, the October PCE report is released on Wednesday, which contains the all-important core PCE Price Index – the Fed’s preferred measure of inflation. It should be noted that reduced liquidity can amplify swings in asset prices. Read more and download the full Weekly Market Update: https://trst.in/LaNng1

“Building good financial habits can provide a rhythm, or sense of control, for your financial life.” The article "Establishing Good Financial Habits" shares ten financial practices that can help anyone build a solid foundation toward reaching their financial goals. Find this article and more in our Resource Center, which provides education on personal and business financial topics, information on online security and fraud prevention, and articles from leaders at Sunflower Bank. https://trst.in/fWeQsg

In this week's market update, "Markets Fluctuate as Post-Election Trade Continues", our Wealth Management team analyzes market activity from the past week. Broad market equity indexes gave back much of their post-election gains this week, although pockets of relative euphoria remain. The S&P 500 fell -2% and the Nasdaq 100 fell -3% after the two indexes notched mid-single digit percent increases last week. While most equity indexes declined this week, animal spirits are alive and well in certain speculative corners of the market. Bitcoin’s momentum continued - the cryptocurrency rose 20% on the week to more than $90,000 and is now up almost 120% year to date. Stocks that are expected to benefit from the new administration extended post-election gains as well. Turning to bonds, yields rose further as traders continue to price a Trump presidency and incrementally hawkish comments from Fed officials. With earnings season mostly in the rearview mirror, all eyes will be on Nvidia, which reports after the close on Wednesday. Read more and download the full Weekly Market Update: https://trst.in/EqnaKL

"The ABC Program allows us to try new projects and programs, small or large, that we might not be able to otherwise." - School Superintendent in Kansas As a result of its 2023-2024 school year campaign, our ABC Program for Education donated $103,950 to participating K-12 schools and school systems, many of which rely on these types of funds to give their students new experiences. Learn more about the impact of our ABC Program and how your school can participate on our website: https://trst.in/va2mJQ

As we recognize Veterans this week, we're proud to highlight our partnership with two Houston-area veterans organizations and their annual “10,000 for the Troops” campaign. Led by Assistant Branch Manager Alicia Smith, our teams helped create and collect over 1,200 thank you letters and cards for active-duty military servicemen and women. Read more in our community impact story: https://trst.in/9d3g0z #CreatingPossibility

Congratulations to Scott Czarniak, Regional President for Northern New Mexico, for being featured in Albuquerque the Magazine’s November “Faces of Albuquerque” profiles. Scott is highlighted as "The Face of Banking" by the magazine for his significant financial expertise and overall banking experience. We are excited to see Scott recognized for his impact on our bank and the Albuquerque community.

In this week's market update, our Wealth Management team explores "Markets React to a Trump Victory". The American people decisively elected Donald Trump as the 47th President of the United States. Down the ballot, the Republican Party regained control of the Senate, and although some House races have yet to be officially determined, a Republican trifecta appears to be the most likely outcome. Equities and other risk assets cheered the outcome of the election and bond yields rose across the curve. Traders will contemplate the impact of Trump’s proposed policies on economic growth, inflation, and the deficit in the weeks leading up to Inauguration Day. Read more and download the full Weekly Market Update: https://trst.in/YbnluK

“Banks offer a variety of small business loan options, each catering to specific needs and financial situations. Understanding these options empowers you to choose the right tool to propel your business forward.” ? The article "Different Types of Small Business Loans from Banks" explains five different types of loans that small business owners can find at a bank and identifies factors to look for to maximize the loan process. ? Find this article and more in our Resource Center, which provides education on personal and business financial topics, information on online security and fraud prevention, and articles from leaders at Sunflower Bank. https://trst.in/YHGCcj