Summit National Bank
Hulett, WY · Cert 25054 · Peer group: banks under $1B in assets operating regionally (n=94) · Mode Eleven Bcorp
National charter · OCC · 3 branches
Q2 2026
$65.9MAssets
$33.4MLoans
$64.0MDeposits
$1.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 68% of banks under $1B in assets operating regionally (rank 31 of 94).
- Widest gap: equity / assets trails 100% of banks under $1B in assets operating regionally (rank 94 of 94).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
-2.34%
Rank 94 of 94
Net Interest Margin
2.08%
Rank 94 of 94
Efficiency Ratio
233%
Rank 94 of 94
Equity / Assets
2.40%
Rank 94 of 94
Non-interest income vs. expense
Unfavorable gap of $3.6M · efficiency ratio beats 1% of banks under $1B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -2.34% | 0.82% | 1.19% | 1.46% | Beats 0% | 94 / 94 | |
| Return on Equity | -97.79% | 7.85% | 11.84% | 14.03% | Beats 0% | 94 / 94 | |
| Net Interest Margin | 2.08% | 3.42% | 3.81% | 4.18% | Beats 0% | 94 / 94 | |
| Efficiency Ratio | 233% | 55.99% | 62.41% | 73.02% | Beats 1% | 94 / 94 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.19% | 0.47% | 1.14% | Beats 51% | 47 / 94 | |
| Net Charge-Offs / Loans | 0.01% | 0.00% | 0.02% | 0.05% | Beats 68% | 31 / 94 | |
| Capital |
| Tier 1 Capital Ratio | 4.82% | 10.28% | 11.95% | 15.07% | Beats 0% | 94 / 94 | |
| Total Risk-Based Capital Ratio | 6.07% | 10.31% | 12.59% | 15.88% | Beats 0% | 94 / 94 | |
| Equity / Assets | 2.40% | 8.98% | 10.21% | 11.41% | Beats 0% | 94 / 94 | |
| Liquidity & Funding |
| Loans / Deposits | 52.27% | 72.62% | 84.44% | 94.55% | 4th pctl | 90 / 94 | |
| Loans / Assets | 50.70% | 62.50% | 72.84% | 78.99% | 9th pctl | 86 / 94 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |