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Summit National Bank
Hulett, WY · FDIC Certificate #25054 · Chartered 02/2
Total assets
$65.94M
Total deposits
$63.96M
Total equity
$1.58M
Net loans
$32.88M
Branches (offices)
3
Net income (YTD)
-$773.00K
Rank: #3,930 of 4,213 U.S. banks by assets · #21 of 24 in Wyoming. Assets changed -24.6% and deposits -24.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -2.20% |
| Return on equity | -101.58% |
| Net interest margin (YTD) | 2.24% |
| Equity to assets | 2.40% |
| Tier 1 leverage ratio | 2.46% |
| Uninsured deposits (share of deposits) | 9.1% |
| Noncurrent loans (share of loans) | 0.46% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 51.4% |
| Real estate loans (share of loans) | 41.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $13.74M | 41.8% | |
| Commercial & industrial | $1.34M | 4.1% | |
| Consumer / individual | $929.00K | 2.8% | |
| Construction & development | $432.00K | 1.3% | |
| Agricultural | $1.36M | 4.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $96.38M | $87.54M | -$391.00K | $8.32M |
| Jun 2023 | $102.70M | $94.07M | $131.00K | $8.49M |
| Jun 2024 | $93.73M | $85.53M | -$1.97M | $7.29M |
| Jun 2025 | $87.40M | $84.36M | -$2.21M | $2.40M |
| Jun 2026 | $65.94M | $63.96M | -$773.00K | $1.58M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wyoming | $37.70M | 1 |
| Montana | $13.38M | 1 |
| Idaho | $12.88M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $63.96M.
Similar-sized banks
The First National Bank Of Okawville ($66.27M) · Versailles Savings And Loan Company ($65.64M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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