| Metric | First Summit Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +3.0% | +2.0 pts |
| Deposit growth (YoY) | +4.9% | +2.5% | +2.4 pts |
| Loan growth (YoY) | +4.0% | +2.6% | +1.4 pts |
| ROA | 0.68% | 0.99% | -0.3 pts |
| ROE | 5.0% | 8.1% | -3.1 pts |
ROA ranks in the 34th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $33.8M | $29.0M | $17.8M | $4.7M | $117K | 0.68% | 4.77% | 3.80% |
| Q1 2026 | $34.3M | $29.6M | $18.0M | $4.7M | $90K | 1.04% | 4.73% | 2.74% |
| Q4 2025 | $34.6M | $29.9M | $18.2M | $4.6M | $304K | 0.94% | 4.98% | 2.02% |
| Q3 2025 | $32.3M | $27.6M | $16.6M | $4.6M | $334K | 1.41% | 5.40% | 0.00% |
| Q2 2025 | $32.2M | $27.6M | $17.1M | $4.5M | $187K | 1.19% | 5.46% | 0.03% |
| Q1 2025 | $31.1M | $26.6M | $16.6M | $4.4M | $137K | 1.76% | 5.54% | 0.03% |
| Q4 2024 | $31.0M | $26.7M | $17.5M | $4.3M | $185K | 0.64% | 5.88% | 0.60% |
| Q3 2024 | $29.7M | $25.4M | $18.1M | $4.2M | $114K | 0.53% | 5.91% | 0.16% |
Loan mix (Q2 2026): real estate $12.7M · commercial $1.4M · consumer $1.8M · securities $18K
| Ratio | First Summit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.68% | 0.99% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 5.0% | 8.1% | 33rd | |
Net interest margin Interest income − interest expense, ÷ assets | 4.77% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 78.4% | 70.8% | 64th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | First Summit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | First Summit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | First Summit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | First Summit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | First Summit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
2 branches in 2 counties across 1 state (+0 vs 2025) · $29.0M branch deposits. Biggest market: Jefferson, OK, ranked 4th with 11.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jefferson, OK | 1 | $22.1M | 11.47% | 4th |
| Custer, OK | 1 | $6.9M | 0.57% | 16th |
Oklahoma: 223rd with 0.02% ·
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2