Summit National Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
The standout move of Q2 2026 was in Retained earnings: 9.2% lower than in Q1 2026, at -$7.8M. Summit National Bank has the 1st lowest CET1 ratio of the 15 banks headquartered in Wyoming, at 4.82% as of Q2 2026. Summit National Bank's CET1 ratio of 4.82% is well below the 19.57% median for banks in the < $100M asset tier, a gap of 14.75 points (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 4.82% |
| Tier 1 risk-based capital ratio | 4.82% |
| Total risk-based capital ratio | 6.07% |
| Tier 1 leverage ratio | 2.46% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.8M |
| Tier 1 capital | $1.8M |
| Total risk-based capital | $2.2M |
| Total equity capital | $1.6M |
| Risk-weighted assets | $36.5M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 2.40% |
| Tangible equity to tangible assets | 2.40% |
| Equity capital to average assets | 2.21% |
| Internal capital growth rate | -165.58% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $420K |
| Common stock surplus | $9.1M |
| Retained earnings | -$7.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$179K |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 18.52% | 18.52% | 19.77% | 9.27% | $56.5M |
| Q4 2023 | 19.11% | 19.11% | 20.36% | 9.34% | $52.8M |
| Q1 2024 | 18.68% | 18.68% | 19.93% | 8.62% | $48.2M |
| Q2 2024 | 15.93% | 15.93% | 17.19% | 8.47% | $51.1M |
| Q3 2024 | 14.46% | 14.46% | 15.71% | 8.04% | $51.8M |
| Q4 2024 | 9.17% | 9.17% | 10.42% | 4.65% | $48.8M |
| Q1 2025 | 7.70% | 7.70% | 8.96% | 3.96% | $47.6M |
| Q2 2025 | 6.24% | 6.24% | 7.50% | 3.31% | $45.5M |
| Q3 2025 | 5.35% | 5.35% | 6.61% | 2.76% | $43.7M |
| Q4 2025 | 3.91% | 3.91% | 5.17% | 2.13% | $42.3M |
| Q1 2026 | 4.85% | 4.85% | 6.11% | 2.54% | $37.5M |
| Q2 2026 | 4.82% | 4.82% | 6.07% | 2.46% | $36.5M |
Summit National Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Summit National Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Summit National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25054) · FFIEC NIC profile (RSSD 78559)