Sunshine Bancorp (SBCP) 8-K Except for the historical information contained in this presentation, the matters discussed may be deemed to be

Investor Presentation

1

st

Quarter 2015

Exhibit 99.1

2

Except for the historical information contained in this presentation, the matters discussed may be deemed to be

forward-looking statements, within the meaning of the Private Securities

Litigation Reform Act of 1995, that involve

risks and uncertainties.  Forward-looking statements can be identified by the fact that they do not relate strictly to

historical or current facts.  They often include words like “believe,”

“expect,”

“anticipate,”

“estimate”

and “intend”

or

future or conditional verbs such as “will,”

“would,”

“should,”

“could”

or “may”.  Forward-looking statements, by their

nature, are subject to risks and uncertainties.  Certain factors

that could cause actual results to differ materially from

expected results include increased competitive pressures; changes in the interest rate environment; demand for

loans in Sunshine Bank’s market area; adverse changes in general economic conditions, either nationally or in

Sunshine Bank’s market areas; adverse changes within the securities markets; legislative and regulatory changes

that could adversely affect the business in which the Company and Sunshine Bank are engaged; the future

earnings and capital levels of Sunshine Bank; and other risks detailed from time to time in the Company’s Securities

and Exchange Commission filings.  We caution readers not to place undue reliance on forward-looking statements

contained in this presentation.  The company disclaims any obligation to revise or update any forward-looking

statements contained in this presentation to reflect future events or developments. 

Forward-Looking Statements

3

Why Sunshine?

Building on a

strong

foundation

Established in 1954

Solid deposit base, total deposit cost as of March 31, 2015 was 0.16%

Seasoned

management

team

More than 175 years of banking experience

Focused on dynamic franchise creation

Emphasis on shareholder value maximization

Attractive

markets

Footprint yields diverse economic drivers

Strong projected population growth

Vision for

growth

Organic growth complimented by strategic opportunities

Positively impacting lives

4

Building on a strong foundation

Current Sunshine Bank Profile

5

Total Assets

$247,577

Net Loans

$118,675

Total Deposits

$179,527

Tangible Equity / Tangible Assets

25%

NPAs / Total Assets

0.17%

Note: Date for data is: 3/31/2015

Financial Highlights ($000)

Corporate Overview

NASDAQ

SBCP

Headquarters

Plant City, FL

Established

November 1954

Mutual Conversion

July 2014

Branches

5

Building a Strong Foundation For the Future

Transformational Events

6

Sunshine announces agreement to acquire Community Southern Holdings,

Inc. and its wholly-owned subsidiary Community Southern Bank, a $246

million bank headquartered in Lakeland, FL

February 2015

Highly

experienced

business

and

financial

services

leaders

added

to

the

Sunshine board of directors

4Q14/1Q15

Sunshine is rebranded Sunshine Bank to better reflect a planned transition

from a traditional thrift institution to a commercial bank

December 2014

New management team is assembled led by Andrew S. Samuel

October 2014

Sunshine

converts

from

mutual

to

stock

ownership

adding

over

$42

million

in new capital; Sunshine Bancorp, Inc. is formed as holding company and

common shares are listed on NASDAQ under the ticker SBCP

July 2014

Sunshine

Federal

Savings

and

Loan

Association

is

formed

in

Plant

City,

FL

November 1954

7

Mission Statement

Sunshine Bancorp, Inc. will positively impact lives by helping people achieve their dreams.

Vision Statement

Sunshine Bancorp, Inc. will be a high performing financial services company that creates

financial success for consumer, business, and not for profit customers in the markets we

choose to serve.

Value Statement

Sunshine Bancorp, Inc. is committed to attracting and retaining employees who are

passionate about providing uncompromising service to our customers with a sense of

warmth, integrity, friendliness, and company spirit.  We value and respect each other

because we truly believe that our success only comes from working together for our team’s

success.

Making a Positive Impact

Mission, Vision and Values

8

First Quarter 2015 Highlights

Organic

Balance

Sheet Growth

Total loans increased by $10.0 million or 36.8% annualized

Deposits increased by $15.6 million or 49.7% annualized

Strong Credit

Quality

Metrics

Non-performing assets/assets were 0.17%

Allowance for loan losses to non performing loans was 468.6%

Allowance was 1.45% of total loans

Announced

Community

Southern

Merger

Provides additional scale with $246 million in assets and a strong

core deposit base

Provides a strong compliment to Sunshine’s commercial banking

organic growth strategy

9

Seasoned Management Team

Sunshine Management Team

10

•

Over 175 years of experience

•

Track record of maximizing shareholder value

•

Capacity and experience to generate market leading organic growth

•

Proven ability to leverage excess capital to enhance franchise value

Andrew Samuel

President and Chief Executive Officer

•

31 years of banking experience

•

5 different institutions

Jane Tompkins

EVP, Chief Risk Officer

•

40 years of banking experience

•

8 different institutions

Bruce Carr

EVP, Chief Lending Officer

•

37 years of banking experience

•

3 different institutions  

Vickie Houllis

SVP, Chief Financial Officer

•

29 years of banking experience

•

4 different institutions

Andria Contat

EVP, Chief Technology Officer

•

31 years of banking experience

•

5 different institutions

Brent Smith

SVP, Corporate Development

•

10 years of banking experience

•

3 different institutions

Sunshine Management Team

11

Experienced Management Team:

Over 175 years of experience

20 Institutions

$0-$300billion

Management team comes with

executive experience in more than 20

different institutions ranging from de

novo start ups to super regional banks

with over $100 billion in assets

Sunshine

Bank

The team is coming together

to create a dynamic high

performing community

banking franchise

12

Attractive Markets

Attractive Growing Markets

13

(1)Source: FDIC at 6/30/2014 (Hillsborough, Polk and Pasco counties)

(2)Source: SNL Nielson data primarily based on Us Census Data

(3)Source: Hillsborough County Metropolitan Planning Organization 2035 Long Range Transportation Plan: Assessment of Economic Trends and Transportation Needs.

1%

pro

forma

deposit

market

share

in

current

markets

(1)

Market

currently

yields

$36.4

billion

in

deposits

(1)

Recent fragmentation provides great opportunity for

customer acquisition

Deposit Market Share

Markets

currently

have

12%

of

Florida

population

(2)

Markets

currently

have

0.76%

of

national

population

(2)

4 corridor attracting growth from Orlando and Tampa

average

traffic

volumes

in

the

state

(3)

Attractive  Markets

Projected 5 year population growth of 5.76% compared to

a

national

projection

of

3.50%

(2)

Hillsborough County projected population growth of

6.82%

in

the

next

5

years

(2)

Market Growth Potential

I-

•

•

•

•

•

•

•

•

•

Historically, Brandon/Tampa sections of I-75 yield highest

Attractive Growing Markets

14

The local markets continue to boast growth rates that are among the top in the nation.  Sunshine’s

franchise is in markets that have economic drivers contributing to the continued growth and economic

expansion.

(1)Source: Hillsborough County Metropolitan Planning Organization 2035 Long Range Transportation Plan: Assessment of Economic Trends and Transportation Needs.

(2)Source: Florida Bureau of Economic and Business Research (BEBR)

(3)Source: SNL Nielson data primarily based on Us Census Data

Strong

Transportation

& Geographic

Infrastructure

Interstate 4 is the link between Tampa and Orlando with undeveloped potential not readily available in the more urban settings

Interstate

75

yields

some

of

the

largest

traffic

volumes

in

the

state(1)

Port

of

Tampa

is

the

largest

deep

water

port

in

the

state

and

is

one

of

the

top

10

cruise

ports

in

the

country(1)

Tampa

International

Airport

serves

over

40,000

travelers

and

280

tons

of

cargo

daily(1)

Diverse

Economic

Drivers

MacDill Air Force Base is the headquarters for two major commands: Special U.S. Operations Command and U.S. Central

Command. 

Port of Tampa is a hub for both industry and tourism.  The port draws manufacturing, transportation and warehouse sectors. 

Recreational and Tourism opportunities. 

Higher Education with the University of South Florida, University of Tampa and Florida Polytechnic University

Leading

Population

Growth

Local markets are projected to add 1.6 million people or 29% growth by 2035.  This creates a population equal to present-day

Greater

Miami(2)

1

in

5

Floridians

is

expected

to

live

in

the

greater

Tampa

region

in

the

next

30

years.(3)

Hillsborough, Polk and Pasco counties rank as the highest net population growth counties in the Tampa Region over the next

30 years(1)

Target Markets

15

Pro Forma Markets

Target Markets

Pro forma markets yield $36.4 billion in deposits(1)

(1)Source: FDIC at 6/30/2014 for the pro forma markets following the completed merger with Community Southern Holdings, Inc.

16

Vision for growth

17

Building Franchise Value

Value Creators

Value Inhibitors

•

Excellent reputation in the community

•

Strong management team

•

Exceptional asset quality metrics

•

Ability to grow and retain core deposits

•

Cross selling effectiveness

•

Fee income generation

•

Well capitalized

•

Lower than peer net interest margin

•

Loan portfolio concentrations

•

Residential mortgage loans

•

Land and development loans

•

Efficiency ratio over 70%

Organic Plan Summary

18

Loan Growth

•

Small Businesses with less than $50 million in annual revenue

•

Commercial real estate and C&I loans

•

Home equity and consumer loans

Deposit Growth

•

Small business core operating and reserve accounts

•

Not for profits segment penetration

•

Retail consumer account growth

Fee Income

•

Service charges on deposits

•

Commercial account analysis fees

•

Merchant services

•

Fee income from Sunshine Wealth Management

•

Increase secondary market mortgage origination and sales

19

•

Strategic locations complimented with mobile banking

•

Strong local community identity

Retail Banking

•

Family owned businesses with less than $50 million in

revenue

•

Local decision making with highly responsive local people

Small Business

Banking

•

Be the bank of choice for not for profit market

Not for Profit

Banking

High touch relationship management and exceptional service supported by technology

Targeted Business Segments

20

Building Franchise Value

Organic

Growth

Strategic

Acquisition

Strategic

Partnerships

Branch

Acquisitions

Disciplined Acquisition Strategy

21

Contiguous/

in-market

opportunities

Less than 10% TBV

Dilution

EPS accretion in

the 1

st

year

Demographics

equal to or better

than current

footprint

Management and the board will consider deviating from these guidelines if the strategic opportunity

warrants

it.

However,

anything

outside

these

parameters

will

be

pursued

with

great

diligence

and

must

have strong strategic reasoning for doing so. 

Pro Forma Sunshine Bank Profile

22

Total Assets

$492,899

Net Loans

$288,612

Total Deposits

$362,497

Note: Date for data is: 3/31/2015

Financial Highlights ($000)

Corporate Overview

NASDAQ

SBCP

Headquarters

Plant City, FL

Established

November 1954

Mutual Conversion

July 2014

Anticipated Merger Closing

3Q 2015

Banking Facilities

9

Building a Strong Foundation For the Future

Community Southern Bank

-

3 Branches (1 LPO)

Sunshine Bank

-

5 Branches

Strategic Transaction Rationale

23

Increases presence in the demographically attractive I-4 corridor between Tampa and Orlando

Provides a strong compliment to Sunshine’s commercial banking organic growth strategy

Aligns with Sunshine’s disciplined acquisition criteria

Provides additional scale with $246 million in assets and a strong core deposit base

Creates a larger set of strategic opportunities with pro forma assets approaching $500 million

Positions Sunshine Bank to be a leading community bank in the market

Strategically Attractive

Immediately and significantly accretive to EPS

Tangible book value dilution expected to be earned back in approximately three years

Deploys excess capital with purchase of a quality franchise

Estimated IRR >20%

Anticipated realization of significant expense reductions

Strong pro forma capital ratios

Financially Attractive

Extensive due diligence process completed

Comprehensive review of loan portfolio

Historically strong credit portfolio performance

Low Risk Opportunity –

Low Risk Execution

Pro Forma Market Share

24

Polk

Pasco

Hillsborough

Combined

Rank

Community Banks

1

Tampa Bay Banking Co. (FL)

-

$                

-

$                  

1,160,751

$    

1,160,751

$      

2

CenterState Banks (FL)

709,338

58,683

133,106

901,127

3

Citizens Banking Corp. (FL)

386,346

-

-

386,346

4

Florida Bus. BancGroup Inc. (FL)

-

-

377,474

377,474

5

Platinum Bank Holding Co. (FL)

161,098

-

207,307

368,405

6

Pro Forma Company

191,482

11,045

154,862

357,389

6

Bank of Central Florida (FL)

304,459

-

-

304,459

7

Community Southern Hldgs Inc (FL)

191,482

-

-

191,482

8

First Citrus Bancorp. Inc. (FL)

-

-

185,142

185,142

9

Pilot Bancshares Inc. (FL)

10,371

-

173,247

183,618

10

Sunshine Bancorp Inc (FL)

-

11,045

154,862

165,907

Remaining Community Bks (16)

82,183

239,958

793,780

1,115,921

    Total Community Banks

1,845,277

309,686

3,185,669

5,340,632

    Total Large Regional Banks (29)

$3,953,720

$4,838,226

$22,274,454

$31,066,400

Total Deposits

$5,798,997

$5,147,912

$25,460,123

$36,407,032

Pro Forma Market Share

3.30%

0.21%

0.61%

0.98%

Source: FDIC @ 06/30/2014 (latest available)

Banks Operating in Combined Market

County Deposits ($000)

Creating a dynamic high performing community bank in the greater Tampa region

25

Why Sunshine?

*May

5

th

2015

Deep and

experienced

management

team

Proven track record of maximizing shareholder value

Compelling

growth

markets

Strong geographic and transportation infrastructure, diverse economic

driver and leading population growth

Valuation

Trading at 86% of tangible book value*