Bank Safety Analysis
Is Summit National Bank Safe? Hulett, Wyoming
Based on its Q2 2026 call report, Summit National Bank falls below at least one capital ratio minimum for adequately capitalized, its Texas ratio is 7.28%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer
On its Q2 2026 call report: CET1 of 4.82% meets the 4.5% minimum but is below the 7.0% level required once the capital conservation buffer is included, a range in which capital distributions can be constrained.
- CET1 ratio (Q2 2026): 4.82%
- Tier 1 leverage ratio (Q2 2026): 2.46%
- Texas ratio (Q2 2026): 7.28%
- Noncurrent loans ratio (Q2 2026): 0.46%
Summit National Bank is an FDIC-insured commercial bank (FDIC Certificate #25054). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Context: largest US bank failures · what these ratios mean · how we score.
Summit National Bank is outside the pass range on 2 of 5 safety dimensions: leverage and operating efficiency. Leverage is below the regulatory minimum. 2 risk screens are flagged: cET1 capital ratio and commercial real estate to capital. Analysis based on the Q2 2026 call report.
Return on assets dropped 3.05 percentage points in Q2 2026, from -0.64% to -3.69%. It was the largest change from Q1 2026 among the key lines here. On CET1 ratio, Summit National Bank is 1st from the bottom among 15 Wyoming banks, 4.82% (Q2 2026). Summit National Bank's CET1 ratio of 4.82% is well below the 19.96% median for banks in the < $100M asset tier, a gap of 15.15 points (Q2 2026). From Q3 2023 to Q2 2026, Summit National Bank's CET1 ratio ranged between 3.91% (Q4 2025) and 19.11% (Q4 2023) and its Texas ratio ranged between 1.57% (Q3 2024) and 7.82% (Q4 2025). Between Q2 2025 and Q2 2026, Summit National Bank's CET1 ratio fell from 6.24% to 4.82%, nonperforming loan ratio (nonaccrual plus 90+ days past due) held at 0.46%, Texas ratio rose from 5.99% to 7.28% and return on assets fell from -3.65% to -3.69%.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating. Held-out test AUC 0.910 for the 1-year horizon (v20261026_025757). Trained on credit-driven community-bank failures, it carries little signal for interest-rate or deposit-flight risk. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. See the methodology. This is not investment advice or a credit rating.
Scorecard by dimension
Peer cohort: Under $100M (578 banks) · Industry averages as of Q2 2026.
CET1 of 4.82% meets the 4.5% minimum but is below the 7.0% level required once the capital conservation buffer is included, a range in which capital distributions can be constrained.
Tier 1 leverage of 2.46% is below the 4% regulatory minimum.
Nonperforming loans at 0.46% are within industry-normal range.
Texas Ratio of 7.3% is well below the 100% historical failure threshold.
Efficiency ratio of 247.8% suggests significant cost-to-revenue challenges.
Risk screens
Latest filing (Q2 2026), passing screens included.
| Screen | Value | Trigger | Result |
|---|---|---|---|
| CET1 capital ratio supervisory threshold | 4.82% | Flags below 7% | Flagged |
| Texas ratio BankRegReports band | 7.28% | Watch at 50%, concern at 100% | Within range |
| Non-performing loan ratio BankRegReports band | 0.46% | Flags at 3% or above | Within range |
| Uninsured deposit share BankRegReports band | — | Watch at 50%, concern at 70% | Not reported |
| Loan-to-deposit ratio BankRegReports band | 52.28% | Flags at 100% or above | Within range |
| Commercial real estate to capital supervisory threshold | 244.74% | Watch at 200%, concern at 300% | Flagged |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Watch at 10%, concern at 25% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q2 2026 | 4.82% |
| Q1 2026 | 4.85% |
| Q4 2025 | 3.91% |
| Q3 2025 | 5.35% |
| Q2 2025 | 6.24% |
| Q1 2025 | 7.70% |
| Q4 2024 | 9.17% |
| Q3 2024 | 14.46% |
| Q2 2024 | 15.93% |
| Q1 2024 | 18.68% |
| Q4 2023 | 19.11% |
| Q3 2023 | 18.52% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q2 2026 | 7.28% |
| Q1 2026 | 7.61% |
| Q4 2025 | 7.82% |
| Q3 2025 | 6.96% |
| Q2 2025 | 5.99% |
| Q1 2025 | 5.59% |
| Q4 2024 | 2.51% |
| Q3 2024 | 1.57% |
| Q2 2024 | 1.91% |
| Q1 2024 | 1.77% |
| Q4 2023 | 1.63% |
| Q3 2023 | 1.63% |
Summit National Bank by quarter
| Quarter end | CET1 | NPL ratio | Texas ratio | ROA |
|---|---|---|---|---|
| Jun 30, 2026 | 4.82% | 0.46% | 7.28% | -3.69% |
| Mar 31, 2026 | 4.85% | 0.45% | 7.61% | -0.64% |
| Dec 31, 2025 | 3.91% | 0.44% | 7.82% | -3.52% |
| Sep 30, 2025 | 5.35% | 0.48% | 6.96% | -5.02% |
| Jun 30, 2025 | 6.24% | 0.46% | 5.99% | -3.65% |
| Mar 31, 2025 | 7.70% | 0.51% | 5.59% | -6.18% |
| Dec 31, 2024 | 9.17% | 0.26% | 2.51% | -12.58% |
| Sep 30, 2024 | 14.46% | 0.26% | 1.57% | -2.77% |
| Jun 30, 2024 | 15.93% | 0.32% | 1.91% | -3.66% |
| Mar 31, 2024 | 18.68% | 0.35% | 1.77% | -4.15% |
| Dec 31, 2023 | 19.11% | 0.33% | 1.63% | -2.42% |
| Sep 30, 2023 | 18.52% | 0.33% | 1.63% | -2.83% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Summit National Bank FDIC insured?
Yes. Summit National Bank is an FDIC-insured commercial bank (FDIC Certificate #25054). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Summit National Bank well capitalized?
On its Q2 2026 call report: CET1 of 4.82% meets the 4.5% minimum but is below the 7.0% level required once the capital conservation buffer is included, a range in which capital distributions can be constrained.
What are Summit National Bank's key safety ratios?
For Q2 2026, Summit National Bank reports CET1 4.82%, leverage 2.46%, Texas ratio 7.28%, noncurrent loans 0.46%. The Texas ratio compares problem assets with tangible equity plus reserves; above 100% has historically signaled elevated failure risk.
What happens to my deposits if Summit National Bank fails?
Insured deposits are protected up to $250,000 per depositor, per insured bank, per ownership category. If an insured bank fails, the FDIC pays insured depositors as soon as possible, usually the next business day.
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Free to use. It shows Summit National Bank’s latest filed figures and updates each quarter.
Methodology & disclaimer
Based on the latest FFIEC call report. Model output is an estimate, not a credit rating, and this page is not investment advice. FDIC insurance covers deposits up to $250,000 per depositor per ownership category at any FDIC-insured bank, whatever its safety profile. See the methodology and full profile.
Regulator records: FDIC BankFind (cert 25054) · FFIEC NIC profile (RSSD 78559)
Explore: Full Summit National Bank profile · Other banks in WY · Metric glossary · How the call report works