Summit National Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Return on equity: 135.60 percentage points lower than in Q1 2026, at -166.15%. Summit National Bank has the 1st lowest return on assets of the 24 banks headquartered in Wyoming, at -3.69% as of Q2 2026. Against a median of 0.98% for banks in the < $100M asset tier, Summit National Bank reported -3.69% on return on assets in Q2 2026, 4.67 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 4.82% |
| Tier 1 risk-based capital ratio | 4.82% |
| Total risk-based capital ratio | 6.07% |
| Tier 1 leverage ratio | 2.46% |
| Equity capital to assets | 2.40% |
| Tangible equity to tangible assets | 2.40% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.46% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 7.28% |
| Allowance for credit losses to loans | 1.64% |
| Reserve coverage of non-performing loans | 354.19% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -3.69% |
| Return on equity | -166.15% |
| Net interest margin | 2.40% |
| Efficiency ratio | 247.76% |
| Yield on earning assets | 4.86% |
| Cost of funds | 2.48% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 52.27% |
| Core deposits to total deposits | 65.19% |
| Brokered deposits to total deposits | 34.40% |
| Deposits to assets | 96.99% |
| Securities to assets | 17.14% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 18.52% | 18.52% | 19.77% | 9.27% | -2.83% |
| Q4 2023 | 19.11% | 19.11% | 20.36% | 9.34% | -2.42% |
| Q1 2024 | 18.68% | 18.68% | 19.93% | 8.62% | -4.15% |
| Q2 2024 | 15.93% | 15.93% | 17.19% | 8.47% | -3.66% |
| Q3 2024 | 14.46% | 14.46% | 15.71% | 8.04% | -2.77% |
| Q4 2024 | 9.17% | 9.17% | 10.42% | 4.65% | -12.58% |
| Q1 2025 | 7.70% | 7.70% | 8.96% | 3.96% | -6.18% |
| Q2 2025 | 6.24% | 6.24% | 7.50% | 3.31% | -3.65% |
| Q3 2025 | 5.35% | 5.35% | 6.61% | 2.76% | -5.02% |
| Q4 2025 | 3.91% | 3.91% | 5.17% | 2.13% | -3.52% |
| Q1 2026 | 4.85% | 4.85% | 6.11% | 2.54% | -0.64% |
| Q2 2026 | 4.82% | 4.82% | 6.07% | 2.46% | -3.69% |
Summit National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Summit National Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)