Summit National Bank: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
The standout move of Q2 2026 was in Core deposits to total deposits: 2.82 percentage points lower than in Q1 2026, at 65.19%. Summit National Bank ranks 19th of 23 Wyoming banks on loan-to-deposit ratio, in the lower half at 52.27% (Q2 2026). The median for banks in the < $100M asset tier is 67.62% on loan-to-deposit ratio. Summit National Bank sits 15.35 points lower, at 52.27% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $18.3M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $29.6M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.27% |
| Net loans and leases to deposits | 51.42% |
| Loans and leases to core deposits | 52.49% |
| Core deposits to total deposits | 65.19% |
| Brokered deposits to total deposits | 34.40% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 45.72% | 83.92% | $0 | $0 |
| Q4 2023 | 49.72% | 71.72% | $0 | $0 |
| Q1 2024 | 48.66% | 69.13% | $0 | $0 |
| Q2 2024 | 55.77% | 67.04% | $0 | $0 |
| Q3 2024 | 52.60% | 68.22% | $0 | $0 |
| Q4 2024 | 51.63% | 68.14% | $0 | $0 |
| Q1 2025 | 50.17% | 68.21% | $0 | $0 |
| Q2 2025 | 50.00% | 68.50% | $0 | $0 |
| Q3 2025 | 49.96% | 61.64% | $0 | $0 |
| Q4 2025 | 55.10% | 68.95% | $0 | $0 |
| Q1 2026 | 52.64% | 68.00% | $0 | $0 |
| Q2 2026 | 52.27% | 65.19% | $0 | $0 |
Summit National Bank liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Summit National Bank, freeSource: Call Report Schedules RC and RC-M, 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)