Bank Comparison
Summit National Bank vs Adams State Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 13
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Summit National Bank | Adams State Bank |
|---|---|---|
| CET1 Ratio | 4.85% | — |
| Tier 1 Capital Ratio | 4.85% | — |
| Total Capital Ratio | 6.11% | — |
| Tier 1 Leverage Ratio | 2.54% | 16.14% |
| Equity / Assets | 2.25% | 15.41% |
Profitability
| Metric | Summit National Bank | Adams State Bank |
|---|---|---|
| Return on Assets (ROA) | -0.64% | 1.19% |
| Return on Equity (ROE) | -30.55% | 7.56% |
| Net Interest Margin (NIM) | 2.03% | 3.76% |
| Yield on Earning Assets | 4.40% | 5.59% |
| Cost of Funds | 2.36% | 2.06% |
Asset quality
| Metric | Summit National Bank | Adams State Bank |
|---|---|---|
| Texas Ratio | 7.61% | 0.83% |
| Non-Performing Loan Ratio | 0.45% | 0.00% |
| Non-Performing Asset Ratio | 0.23% | 0.00% |
| Net Charge-Off Ratio | -0.06% | 0.00% |
| ACL / Loans | 1.52% | 0.72% |
Balance sheet
| Metric | Summit National Bank | Adams State Bank |
|---|---|---|
| Total Assets | $70,650K | $70,625K |
| Total Deposits | $68,756K | $54,101K |
| Total Loans | $36,194K | $49,817K |
| Total Equity | $1,592K | $10,881K |
| Net Income (quarter) | $-114 | $205 |
Liquidity & funding
| Metric | Summit National Bank | Adams State Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 52.64% | 92.08% |
| Core Deposit Ratio | 100.00% | 88.89% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Summit National Bank | Adams State Bank |
|---|---|---|
| Headquarters City | HULETT | ADAMS |
| Headquarters State | WY | NE |
| Asset Tier | Micro | Micro |
| Charter Class | 18154 | 0 |
| Regulator | OCC | FDIC |
| Domestic Branches | 3 | 1 |
| Employees (FTE) | 24 | 8 |
| Established | Feb. 28, 1984, midnight | Jan. 18, 1918, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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