SUMMIT NATIONAL BANK

HULETT, WY | Micro | Est. Feb. 28, 1984, midnight | FDIC #25054 | RSSD #78559 | OCC
Latest Report: 2025-12-31

SUMMIT NATIONAL BANK is amn micro FDIC-insured commercial bank headquartered in HULETT, WY, established in Feb. 28, 1984, midnight. As of 2025-12-31, the bank reported total assets of $74M and total deposits of $73M. Profitability stands at -3.41% ROA and -160.80% ROE, with a net interest margin of 1.96%. The bank's CET1 capital ratio is 3.91%, below regulatory well-capitalized thresholds. Asset quality metrics show a non-performing loan ratio of 0.44% and a Texas Ratio of 7.82%. FDIC Certificate #25054.

Assets

$74M

Deposits

$73M

Loans

$40M

Equity

$1M

Profitability

Return on Assets (ROA) -3.41%
Return on Equity (ROE) -160.80%
Net Interest Margin (NIM) 1.96%
Yield on Assets 4.62%
Cost of Funds 3.57%

Asset Quality

NPL Ratio 0.44%
Net Charge-Off Ratio 0.02%
Texas Ratio 7.82%
NPA Ratio 0.24%
ACL / Loans 2.12%

Capital & Liquidity

CET1 Ratio 3.91%
Tier 1 Capital 3.91%
Total Capital Ratio 5.17%
Leverage Ratio 2.13%
Loan-to-Deposit 55.10%

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