Summit National Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Summit National Bank is the primary bank subsidiary of its parent holding company, headquartered in Hulett, WY. The Q2 2026 balance sheet stands at $66M in assets, including $33M in loans. Earnings turned negative this period, with ROA at -3.69%. Capital meets the 4.5% regulatory minimum at 4.82% CET1, but sits below the 7% level required once the capital conservation buffer is included. Credit metrics are pristine, with nonperforming loans at just 0.46%. 3 branches make up the footprint.
As of June 30, 2026, Summit National Bank reported a CET1 capital ratio of 4.82%, a return on assets of -3.69%, a nonperforming-loan ratio of 0.46%, a Texas ratio of 7.28%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 133 Main St, Hulett, WY 82720
- County
- Crook
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 28, 1984
- Offices
- 3 domestic
- Employees (FTE)
- 22
- Domestic deposits
- $64.0M
- Allowance for credit losses
- $549K
- Net charge-offs (YTD)
- -$3K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 28, 1984
- FDIC Cert
- 25054
- Fed RSSD
- 78559
- SEC CIK
- 1864351 → filed by MODE ELEVEN BANCORP
- Website
- http://www.summitnb.com →
- Parent Holding Company
- MODE ELEVEN BANCORP (RSSD 3402511)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Summit National Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Summit National Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
The bank's Common Equity Tier 1 ratio is below the 7% effective floor (4.5% minimum + 2.5% conservation buffer): triggers regulatory restrictions on dividends, buybacks, and discretionary bonuses. Basel III capital conservation buffer, 12 CFR 217.11.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Summit National Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 4.82% | -3.69% | 0.46% | 7.28% | 2.40% |
| Q1 2026 | 4.85% | -0.64% | 0.45% | 7.61% | 2.03% |
| Q4 2025 | 3.91% | -3.52% | 0.44% | 7.82% | 1.91% |
| Q3 2025 | 5.35% | -5.02% | 0.43% | 6.96% | 2.46% |
| Q2 2025 | 6.24% | -3.65% | 0.46% | 5.99% | 2.76% |
| Q1 2025 | 7.70% | -6.18% | 0.51% | 5.59% | 2.40% |
| Q4 2024 | 9.17% | -12.58% | 0.26% | 2.51% | 2.90% |
| Q3 2024 | 14.46% | -2.77% | 0.26% | 1.57% | 2.99% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Summit National Bank (main office) | Hulett , WY | 82720 | $37.7M |
| Ekalaka Branch | Ekalaka , MT | 59324 | $13.4M |
| Salmon Branch | Salmon , ID | 83467 | $12.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 29, 2009 | Structure Change | Acquired The First National Bank of Ekalaka Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 28, 2009 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Summit National Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 3 against the institution (OCC)
- June 4, 2024, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Summit National Bank
- June 5, 2012, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Summit National Bank
- October 5, 1992, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): Hulett National Bank
- Period: Most recent institution action June 4, 2024. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.2% of deposits in WY, rank 40 of 45 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Summit National Bank
What are Summit National Bank's total assets?
As of the Q2 2026 filing, Summit National Bank reported total assets of $65.9 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Summit National Bank headquartered?
Summit National Bank is headquartered in Hulett, WY, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Summit National Bank founded?
Summit National Bank was established in 1984, per the FDIC institution directory.
Is Summit National Bank FDIC-insured?
Yes. Summit National Bank is an FDIC-insured commercial bank (FDIC Certificate #25054). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Summit National Bank?
Summit National Bank's primary federal regulator is the OCC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Summit National Bank's CET1 capital ratio?
Summit National Bank reported a Common Equity Tier 1 (CET1) capital ratio of 4.82% in its Q2 2026 call report, above the 4.5% minimum but inside the capital conservation buffer range, where distributions can be constrained.
How many branches does Summit National Bank operate?
Summit National Bank operates 3 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Summit National Bank's Texas Ratio?
Summit National Bank's Texas Ratio is 7.28% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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