FDIC Cert #25054 · Hulett, Wyoming · Est. 1984

Summit National Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$74M
Total assets
F
Health grade · At Risk
-4.58%
Return on assets
3.9%
Tier 1 capital

Data updated July 2026

The verdict

Summit National Bank earns a PlainBankData health grade of F (16/100), with 3.91% Tier 1 capital, -4.58% ROA, 290% efficiency ratio.

#3,950
largest of 4,313 FDIC banks by assets
8th
percentile by asset size, nationally
3.91%
Tier 1 ratio - below the 10% well-capitalized line
0th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 25054 · WY F · 16/100

GRADE-F · BOTTOM-DECILE · PHOTO-FINISH · TIER1-UNDER · TEXAS-CLEAN · ROA-LOSS · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-F F (16/100)
  • BOTTOM-DECILE #4303/4307
  • PHOTO-FINISH Columbia Savings and… · WI
  • TIER1-UNDER 3.9% Tier 1
  • TEXAS-CLEAN 7.8% Texas
  • ROA-LOSS -4.58% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wyoming: Columbia Savings and Loan Association, WI (±2 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Summit National Bank

Lowest and highest poles plus nearest scored peers outside Wyoming, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Columbia Savings and… · WI ·…18/100First & Peoples Bank… · KY ·…18/100Nano Banc · CA · near18/100Summit National Bank · WY · …16/100Community Valley Bank · CA ·…14/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Summit National Bank · July 2026

Plate reading for Summit National Bank where failures stay rare

Summit National Bank (FDIC Cert #25054) carries a PlainBankData health grade of F at 16/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,303 of 4,307. Tier 1 capital prints at 3.91%, missing the 10% well-capitalized line. The Texas Ratio is 7.82%, inside the sub-50% band analysts treat as healthy. Return on assets is -4.58%. Balance-sheet scale is $74M, 3,950th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Columbia Savings and Loan Association (WI), ±2 health points away. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Summit National Bank

Only 1 FAILURE resolution in Wyoming since 2000

Summit National Bank is headquartered in a state where FDIC FAILURE resolutions have been rare or absent since 2000 (1 of 578 nationwide). That is a historical count of closed institutions, not a forecast for this Call Report sheet.

  • BANK OF WYOMING THERMOPOLIS, WY 2009 → CENTRAL BANK & TRUST
  • WESTLAND FS & LA RAWLINS, WY 1991 → RAWLINS NB
  • SWEETWATER FS & LA ROCK SPRINGS, WY 1990 → FIRST SECURITY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Wyoming banks.

How Summit National Bank's 16/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10016/100
Summit National Bank's composite health score
Tier 1 Capital Ratio (3.91%) 0/40
Return on Assets (ROA) (-4.58%) 0/25
Texas Ratio (7.82%) 16/20
Efficiency Ratio (290.37%) 0/15

16 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$74M

Total balance-sheet footings

Total Deposits

$73M

Customer-funded liabilities

Net Loans

$39M

Outstanding loan book

Net Income

$-3,958K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 1% 2% 3% 4% 5% 6% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 2.51% 3.91% 5.31%
Basel III capital ratios - Summit National Bank

Where Summit National Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Summit National Bank's score of 16/100 falls in the highlighted band.

Summit National Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

16 0th percentile higher than 0% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). This entry sits in this band. 20–30: 26 FDIC-insured banks (1%). Above this entry. 30–40: 36 FDIC-insured banks (1%). Above this entry. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Summit National Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Summit National Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Summit National Bank's $74M falls in the highlighted band.

Safety metrics: Summit National Bank

Tier 1 capital ratio
Well-capitalized 10%

3.91% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
3.91%
Texas Ratio
7.82%
Equity Capital
$1M

What these ratios mean →

Profitability metrics: Summit National Bank

Return on Assets (ROA)
0th percentile nationally
-4.58%
Return on Equity (ROE)
-155.11%
Efficiency Ratio
290.37%

What these mean →

Income & expense: loss period at Summit National Bank

$4M
Interest Income
$131K
Non-Interest Income
$6M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Summit National Bank reports a Texas Ratio of 7.82% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

7.82% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Summit National Bank

Summit National Bank's grade of F reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-3,958K for the period, a loss that, if sustained, erodes the equity cushion. Its Tier 1 capital ratio of 3.91% is below the 10% "well-capitalized" benchmark.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Summit National Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Summit National Bank on FDIC BankFind →

Top banks in Wyoming by total assets

Largest banks headquartered in Wyoming
  1. 1
    Pinnacle Bank - Wyoming $1.3B

    Cody, WY · Grade A

  2. 2
    Hilltop National Bank $1.2B

    Casper, WY · Grade A

  3. 3
    The Converse County Bank $1.1B

    Douglas, WY · Grade A

  4. 4
    First Northern Bank of Wyoming $894M

    Buffalo, WY · Grade B

  5. 5
    Platte Valley Bank $783M

    Torrington, WY · Grade B

Top 5 banks in Wyoming ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($74M here), outside Wyoming so the neighborhood is not state containment.

Pavillion Bank $74M · TX First State Bank of Cando $74M · ND Haskell National Bank $74M · TX First Tri County Bank $74M · NE

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Summit National Bank (FDIC Cert #25054) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Summit National Bank Call Report profile · FDIC Failed Bank List · Wyoming FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Wyoming

All Wyoming banks →
BankAssetsGradeROA
Pinnacle Bank - WyomingCody $1.3B A 1.28%
Hilltop National BankCasper $1.2B A 1.72%
The Converse County BankDouglas $1.1B A 1.14%
First Northern Bank of WyomingBuffalo $894M B 1.13%
Platte Valley BankTorrington $783M B 1.46%
First National Bank of GilletteGillette $626M A 1.35%
First Federal Bank & TrustSheridan $611M C 0.43%
Jonah Bank of WyomingCasper $558M B 1.92%