Bank routing number ยท Ryan, Oklahoma
First Summit Bank Routing Number (ABA): 103103503
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The First Summit Bank routing number is 103103503. It is the primary ABA routing transit number on the bank's FFIEC National Information Center record, refreshed here on October 25, 2026.
First Summit Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 13.68% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $33.8M
- Tier 1 leverage ratio, Q2 2026
- 13.68%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Domestic offices
- 2 FDIC institution directory, current count
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1894
Full financial profile · Is First Summit Bank safe? · First Summit Bank call report · Branch locations
First Summit Bank routing numbers on file
| Routing number | Type | Status | Source |
|---|---|---|---|
| 103103503 | Primary ABA | Active | FFIEC NIC |
Record refreshed here on October 25, 2026. NIC holds one primary number per bank; First Summit Bank publishes any other numbers it uses itself.
What the digits mean
The first two digits, 10, place this number in the Federal Reserve Bank of Kansas City's district (District 10). Digits five through eight, 0350, identify the institution within that district. The last digit, 3, is a check digit, and the number passes the standard check: weight the nine digits 3, 7, 1, 3, 7, 1, 3, 7, 1 and the sum is a multiple of 10.
Before you send money to First Summit Bank
A routing number tells the payment network which financial institution holds an account. You give it with an account number for ACH transfers through the automated clearing house, such as direct deposit, bill pay and transfers from a checking account, which usually settle in one to two business days. An international wire to a US account normally needs the bank's SWIFT code as well.
Match this number against the one on your First Summit Bank checks or in its online banking. Ask the bank for wire instructions (www.fsbwford.com). Our record does not show whether this number receives wires. The Federal Reserve's E-Payments Routing Directory shows it: its Fedwire participant search lists the numbers that can receive Fedwire transfers, and its FedACH search lists those that receive ACH payments. How to confirm any routing number.
About First Summit Bank
First Summit Bank is headquartered in Ryan, Oklahoma and was established in 1894. It reported $33.8M in total assets and $29.0M in deposits for Q2 2026, the 162nd largest of the 169 banks headquartered in Oklahoma. See the largest banks in Oklahoma by total assets. It reports 2 domestic offices. Its deposits have been FDIC insured since 1934. Its primary federal regulator is the FDIC. One other bank or credit union headquartered in Ryan has a routing number listed here.
What the digits in 103103503 mean
The first four digits, 1031, are the Federal Reserve routing symbol. The prefix 10 places the number in the 10th Federal Reserve District (Kansas City). That is also the district where the bank is headquartered. Digits five through eight, 0350, identify the institution within its Federal Reserve district. The last digit, 3, is a check digit. Weighting the digits 3, 7 and 1 in turn gives 3 x 7 + 7 x 0 + 9 = 30, a multiple of 10, so 103103503 is a well-formed routing number. A mistyped digit almost always breaks that sum.
What is the First Summit Bank routing number?
The First Summit Bank routing number is 103103503. It is the primary ABA routing transit number registered to First Summit Bank, headquartered in Ryan, OK. The number comes from the FFIEC National Information Center institution record, last refreshed here on October 25, 2026.
What is the First Summit Bank wire routing number?
This page lists the primary routing number registered to First Summit Bank. The record does not say whether the bank uses the same number for wire transfers. Confirm the wire routing number with First Summit Bank before sending a wire.
Is ABA number 103103503 the routing number for First Summit Bank?
Yes. It is the primary routing number registered to First Summit Bank.
Which bank uses routing number 103103503?
It belongs to First Summit Bank, headquartered in Ryan, OK. It is the bank's primary ABA routing number (FDIC certificate 399).
Routing numbers of similar-size institutions in Oklahoma
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View First Summit Bank's full profile →
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Regulator records: FDIC BankFind (cert 399) · FFIEC NIC profile (RSSD 514356)