Summit Bank & Trust
Broomfield, CO · Cert 58458 · Peer group: banks over $10B in assets (n=157-158)
FDIC · 123 branches
Q4 2024
$17.2BAssets
$11.2BLoans
$14.9BDeposits
$2.1BEquity
Executive Summary
- Strongest standing: net interest margin outperforms 86% of banks over $10B in assets (rank 22 of 158).
- Widest gap: net charge-offs / loans trails 87% of banks over $10B in assets (rank 137 of 157).
- Overall: at or above the peer median on 7 of 9 directional measures.
Return on Assets
1.14%
Rank 55 of 158
Net Interest Margin
3.60%
Rank 22 of 158
Efficiency Ratio
56.51%
Rank 61 of 158
Equity / Assets
12.17%
Rank 47 of 158
Non-interest income vs. expense
Unfavorable gap of $301.0M · efficiency ratio beats 62% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.14% | 0.71% | 1.00% | 1.30% | Beats 65% | 55 / 158 | |
| Return on Equity | 9.40% | 6.32% | 9.27% | 12.11% | Beats 52% | 76 / 158 | |
| Net Interest Margin | 3.60% | 2.44% | 2.89% | 3.23% | Beats 86% | 22 / 158 | |
| Efficiency Ratio | 56.51% | 52.02% | 58.79% | 65.36% | Beats 62% | 61 / 158 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.04% | 0.39% | 0.70% | 1.09% | Beats 26% | 117 / 157 | |
| Net Charge-Offs / Loans | 0.82% | 0.11% | 0.24% | 0.46% | Beats 13% | 137 / 157 | |
| Capital |
| Tier 1 Capital Ratio | 14.14% | 12.27% | 13.34% | 15.58% | Beats 64% | 57 / 158 | |
| Total Risk-Based Capital Ratio | 14.92% | 13.45% | 14.64% | 16.65% | Beats 58% | 67 / 158 | |
| Equity / Assets | 12.17% | 9.09% | 11.00% | 12.52% | Beats 70% | 47 / 158 | |
| Liquidity & Funding |
| Loans / Deposits | 75.10% | 73.28% | 82.81% | 89.69% | 28th pctl | 113 / 158 | |
| Loans / Assets | 64.84% | 58.79% | 67.98% | 74.16% | 39th pctl | 96 / 157 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |