Houston, MO · Cert 13960 · Summit Bancshares Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #106 of 111 inst. · $0.0B of $141.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.89% | 0.97% | 0.81% | 0.49% | 0.66% | 0.60% | 1.77% | 1.07% | +58 bps | |
| Return on Equity | 7.09% | 7.74% | 6.14% | 3.65% | 4.94% | 4.37% | 12.18% | 7.43% | +379 bps | |
| Net Interest Margin | 5.09% | 4.99% | 5.47% | 5.25% | 5.18% | 5.23% | 5.24% | 5.24% | -1 bps | |
| Efficiency Ratio | 77.31% | 75.14% | 76.68% | 81.67% | 81.03% | 81.36% | 71.01% | 78.56% | -311 bps | |
| Non-Interest Burden | 3.48% | 3.23% | 3.77% | 4.06% | 3.95% | 4.01% | 2.71% | 3.68% | -38 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 23.92% | 12.01% | -0.56% | -3.68% | -3.69% | -6.22% | 0.18% | 4.94% | +863 bps | |
| Loan Growth (YoY) | 12.18% | 3.51% | -1.80% | 0.39% | -6.84% | -0.07% | 8.36% | 5.84% | +545 bps | |
| Deposit Growth (YoY) | 19.43% | 15.72% | 6.48% | 0.62% | -0.03% | 3.03% | 2.55% | 6.87% | +625 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 1.01% | 0.98% | 1.57% | 1.12% | 1.06% | 0.33% | 0.16% | -141 bps | |
| Net Charge-Offs / Loans | 0.56% | 0.43% | 0.05% | 0.02% | 0.69% | 0.64% | 0.00% | 0.00% | -2 bps | |
| Allowance / Loans | 3.30% | 3.66% | 4.01% | 3.96% | 3.61% | 3.49% | 3.43% | 3.37% | -60 bps | |
| Allowance Coverage of NPLs | n/a | 3.6x | 4.1x | 2.5x | 3.2x | 3.3x | 10.4x | 21.0x | +18.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 12.28% | 12.37% | 13.46% | 13.43% | 13.73% | 14.00% | 14.31% | 14.14% | +71 bps | |
| Total Risk-Based Capital | 12.28% | 12.37% | 13.46% | 13.43% | 13.73% | 14.00% | 14.31% | 14.14% | +71 bps | |
| Equity / Assets | 12.34% | 12.69% | 13.62% | 13.73% | 13.68% | 14.45% | 14.63% | 14.11% | +38 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 107.74% | 107.17% | 100.46% | 108.21% | 100.40% | 103.95% | 106.15% | 107.17% | -104 bps | |
| Liquid Assets / Assets | 2.65% | 2.35% | 2.73% | 2.32% | 2.41% | 2.67% | 2.58% | 3.36% | +104 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 329% | 329% | 328% | n/a | n/a | |