Summit National Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Construction concentration (tier 1 capital + allowance) dropped 9.43 percentage points in Q2 2026, from 28.14% to 18.71%. It was the largest change from Q1 2026 among the key lines here. 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).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $33.4M |
| Net loans and leases | $32.9M |
| Loans held for sale | $0 |
| Loans to total assets | 50.70% |
| Loan-to-deposit ratio | 52.27% |
| Net loans to equity capital | 20.80% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 19.17% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 4.01% |
| Consumer | 2.78% |
| Credit cards | 0.00% |
| Farm | 12.34% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.14% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 244.74% |
| Construction concentration (Tier 1 capital + allowance) | 18.71% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $353K |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $50.8M | $111.1M | 8.29% | 4.29% | 1.83% |
| Q4 2023 | $49.5M | $99.5M | 8.31% | 3.83% | 1.75% |
| Q1 2024 | $45.2M | $92.9M | 8.87% | 3.75% | 2.03% |
| Q2 2024 | $47.7M | $85.5M | 14.07% | 3.27% | 1.84% |
| Q3 2024 | $46.7M | $88.8M | 13.97% | 3.32% | 1.82% |
| Q4 2024 | $44.9M | $87.0M | 16.36% | 3.92% | 1.64% |
| Q1 2025 | $43.2M | $86.1M | 18.34% | 4.02% | 1.51% |
| Q2 2025 | $42.2M | $84.4M | 19.08% | 4.19% | 1.75% |
| Q3 2025 | $41.4M | $82.9M | 20.87% | 3.53% | 1.80% |
| Q4 2025 | $40.0M | $72.5M | 21.25% | 3.58% | 1.84% |
| Q1 2026 | $36.2M | $68.8M | 20.76% | 4.66% | 2.00% |
| Q2 2026 | $33.4M | $64.0M | 19.17% | 4.01% | 2.78% |
Summit National Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Summit National Bank, freeSource: Call Report Schedule RC-C, 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)