Summit National Bank
Summit National Bank is the primary bank subsidiary of its parent holding company, headquartered in Hulett, WY. On its most recent Q1 2026 call report, Summit National reported $71M in total assets against $69M in deposits. Earnings turned negative this period, with ROA at -0.64%. Capital meets the regulatory minimum at 4.85% CET1, but sits below the 7% well-capitalized threshold. Asset quality is pristine — 0.45% NPLs and a 7.61% Texas Ratio. It operates 3 branches, primarily in Wyoming.
Headquarters Profile
- Address
- 133 Main St, HULETT, WY 82720
- County
- Crook
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- Fed District
- 14
- Established
- February 28, 1984
- Branches
- 3 domestic
- Employees (FTE)
- 24
- FDIC Cert
- 25054
- Fed RSSD
- 78559
- Website
- http://www.summitnb.com →
- Parent Holding Company
- MODE ELEVEN BANCORP (RSSD 3402511)
Profitability
Capital & Liquidity
Inside the full Summit National Bank terminal
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
The bank's Common Equity Tier 1 ratio is below the 7% effective floor (4.5% minimum + 2.5% conservation buffer) — triggers regulatory restrictions on dividends, buybacks, and discretionary bonuses.
Summit National Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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Frequently asked about Summit National Bank
What are Summit National Bank's total assets?
As of the Q1 2026 filing, Summit National Bank reported total assets of $70.7 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Summit National Bank headquartered?
Summit National Bank is headquartered in HULETT, WY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Summit National Bank founded?
Summit National Bank was established in 1984, per the FDIC institution directory.
Is Summit National Bank FDIC-insured?
Yes. Summit National Bank is an FDIC-insured commercial bank (FDIC Certificate #25054). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Summit National Bank?
Summit National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Summit National Bank's CET1 capital ratio?
Summit National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 4.85% in its most recent quarterly filing — below the well-capitalized threshold.
How many branches does Summit National Bank operate?
Summit National Bank operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Summit National Bank's Texas Ratio?
Summit National Bank's Texas Ratio is 7.61% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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