| Metric | Summit National Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -24.6% | +3.0% | -27.5 pts |
| Deposit growth (YoY) | -24.2% | +2.5% | -26.7 pts |
| Loan growth (YoY) | -20.4% | +2.6% | -23.0 pts |
| ROA | -2.20% | 0.99% | -3.2 pts |
| ROE | -101.6% | 8.1% | -109.7 pts |
ROA ranks in the 4th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $65.9M | $64.0M | $32.9M | $1.6M | $-773K | -2.20% | 2.24% | 0.24% |
| Q1 2026 | $70.7M | $68.8M | $35.6M | $1.6M | $-114K | -0.63% | 2.06% | 0.23% |
| Q4 2025 | $74.4M | $72.5M | $39.1M | $1.4M | $-4.0M | -4.58% | 2.40% | 0.24% |
| Q3 2025 | $85.6M | $82.9M | $40.6M | $2.0M | $-3.3M | -4.88% | 2.53% | 0.23% |
| Q2 2025 | $87.4M | $84.4M | $41.3M | $2.4M | $-2.2M | -4.88% | 2.57% | 0.22% |
| Q1 2025 | $91.4M | $86.1M | $42.3M | $3.1M | $-1.4M | -6.19% | 2.44% | 0.24% |
| Q4 2024 | $93.3M | $87.0M | $44.0M | $3.8M | $-5.6M | -5.69% | 3.02% | 0.13% |
| Q3 2024 | $96.7M | $88.8M | $45.8M | $7.0M | $-2.6M | -3.46% | 3.02% | 0.13% |
Loan mix (Q2 2026): real estate $13.7M · commercial $1.3M · consumer $929K · securities $11.3M
| Ratio | Summit National Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -2.20% | 0.99% | 4th | |
Return on equity Annualized net income ÷ equity or net worth | -101.6% | 8.1% | 0th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.24% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 233.1% | 70.8% | 98th |
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 | Summit National 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 | Summit National 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 | Summit National 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 | Summit National 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 | Summit National 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.
Technology spend down 23% in 2025. Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
3 branches in 3 counties across 3 states (+0 vs 2025) · $64.0M branch deposits. Biggest market: Crook, WY, ranked 3rd with 10.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Crook, WY | 1 | $37.7M | 10.53% | 3rd |
| Carter, MT | 1 | $13.4M | 41.55% | 2nd |
| Lemhi, ID | 1 | $12.9M | 6.48% | 4th |
Wyoming: 57th with 0.14% · Montana: 82nd with 0.03% · Idaho: 64th with 0.02% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3