BlastPoint's Banking Scorecard

Summit National Bank

under $100M Specialty: Other WY FDIC cert 25054

Designations: ✓ Community bank

Hulett, WY

3 branches across ID · MT · WY

541 banks in the under $100M peer group nationally 4 in WY

Summit National Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.92% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 1.80% below tier average
- Efficiency Ratio 125.72% above tier average
- Tier 1 Capital Ratio 21.83% below tier average
- ROA 1.46% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WY)	National Avg	Tier Percentile
Total Assets ?	$70.7M -22.7% YoY -5.1% QoQ	+$8.5M	$62.2M -0.6% YoY	$445.8M +4.9% YoY	$6.2B +9.1% YoY	58%
Total Loans ?	$35.6M -15.8% YoY -8.9% QoQ	+$1.4M	$34.2M -1.4% YoY	$250.1M +8.7% YoY	$3.2B +10.8% YoY	56%
Total Deposits ?	$68.8M -20.1% YoY -5.2% QoQ	+$17.0M	$51.7M -0.7% YoY	$397.2M +4.6% YoY	$4.8B +8.2% YoY	72%
Return on Assets ?	-0.63% +89.9% YoY +86.3% QoQ	-1.46%	0.84% -2.3% YoY	1.18% +46.8% YoY	1.23% +13.4% YoY	Bottom 10.2% in tier
Net Interest Margin ?	2.06% -15.6% YoY -14.3% QoQ	-1.80%	3.86% +2.8% YoY	3.82% +5.9% YoY	3.89% +5.7% YoY	Bottom 3.7% in tier
Efficiency Ratio ?	214.06% -39.0% YoY -26.3% QoQ	+125.72%	88.34% +0.3% YoY	71.89% -9.4% YoY	66.95% -4.1% YoY	Bottom 2.6% in tier
Delinquency Rate ?	0.46% -12.8% YoY +2.2% QoQ	-0.92%	1.37% +33.8% YoY	0.47% -19.3% YoY	0.95% +18.8% YoY	49%
Loan-to-Deposit Ratio ?	51.84% +5.4% YoY -3.9% QoQ	-12.37%	64.22% -0.7% YoY	68.79% +12.9% YoY	76.70% +0.9% YoY	68%
Non-Interest-Bearing Deposit Share ?	22.53% -21.1% YoY -5.2% QoQ	-1.19%	23.71% +0.3% YoY	24.89% +11.1% YoY	22.01% -1.2% YoY	47%
Nonperforming Asset Ratio ?	0.23% -5.0% YoY -1.9% QoQ	-0.56%	0.79% +28.2% YoY	0.38% +6.8% YoY	0.67% +19.3% YoY	51%
Tier 1 Capital Ratio ?	4.85% -37.0% YoY +24.1% QoQ	-21.83%	26.68% +2.0% YoY	19.62% +12.7% YoY	17.06% +0.8% YoY	Bottom 0.4% in tier
Non-Interest Income / Assets ?	0.04% +29.4% YoY -76.7% QoQ	-0.62%	0.67% +1.9% YoY	0.21% +17.8% YoY	0.32% +4.1% YoY	32%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

540

Tier 1 Capital Ratio

capital

Value: 4.85%

Peer Median: 26.68%

#540 of 541 Bottom 0.4% in under $100M

528

Efficiency Ratio

profitability

Value: 214.06%

Peer Median: 88.34%

#528 of 541 Bottom 2.6% in under $100M

522

Net Interest Margin

profitability

Value: 2.06%

Peer Median: 3.86%

#522 of 541 Bottom 3.7% in under $100M

487

Return on Assets

profitability

Value: -0.63%

Peer Median: 0.84%

#487 of 541 Bottom 10.2% in under $100M