Summit National Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Summit National Bank of Hulett, WY against its peer group of 536 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | -3.69% | 3.33% | -7.02% | 3rd bottom |
| ROAE | -166.15% | 8.57% | -174.72% | 1st bottom |
| Net Interest Margin | 2.40% | 3.93% | -1.53% | 6th bottom |
| Efficiency Ratio | 247.76% | 84.21% | +163.55% | 1st bottom |
| PPNR / Avg Assets | -3.58% | 1.57% | -5.15% | 1st bottom |
| Yield on Earning Assets | 4.86% | 5.24% | -0.38% | 35th below |
| Cost of Funds | 2.48% | 1.67% | +0.81% | 16th bottom |
| Net Interest Spread | 1.73% | 3.30% | -1.57% | 6th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.46% | 1.42% | -0.96% | 44th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.24% | 0.71% | -0.47% | 44th below |
| NCO / Avg Loans | 0.00% | 0.15% | -0.15% | 53rd above |
| ACL / Total Loans | 1.64% | 1.53% | +0.11% | 74th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 354.19% | 722.43% | -368.24% | 72nd above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 7.28% | 8.56% | -1.28% | 26th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 4.82% | 127.13% | -122.31% | 1st bottom |
| Tier 1 Ratio | 4.82% | 127.14% | -122.32% | 1st bottom |
| Total Capital Ratio | 6.07% | 128.03% | -121.96% | 1st bottom |
| Leverage Ratio | 2.46% | 22.12% | -19.66% | 1st bottom |
| Equity / Assets | 2.40% | 20.75% | -18.35% | 1st bottom |
| TCE / Tangible Assets | 2.40% | 20.51% | -18.11% | 1st bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 52.27% | 74.30% | -22.03% | 69th above |
| Core Deposit Ratio | 65.19% | 88.35% | -23.16% | 3rd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -24.56% | 3.87% | -28.43% | 1st bottom |
| Loan Growth (Y/Y) | -20.73% | 6.90% | -27.63% | 2nd bottom |
| Deposit Growth (Y/Y) | -24.18% | 3.02% | -27.20% | 1st bottom |
See Summit National Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Summit National Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Summit National Bank profile, how to read a UBPR, or how this data updates.