BlastPoint's Banking Scorecard
Summit National Bank
Designations: ✓ Community bank
Hulett, WY
3 branches across ID · MT · WY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 4 in WY.
- Deposits -24.2% year over year ($64.0M on the books).
- Delinquency rate 0.47%.
- Return on assets -2.20%.
- Efficiency ratio 233.09% vs a 119.40% peer average.
- Loan-to-deposit ratio 51.42% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Summit National Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.01% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 3.20% below tier average
- - Net Interest Margin 1.68% below tier average
- - Efficiency Ratio 113.69% above tier average
- - Tier 1 Capital Ratio 22.31% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$65.9M
-24.6% YoY
-6.7% QoQ
|
+$3.5M |
$62.4M
-0.0% YoY
|
$450.2M
+6.6% YoY
|
$6.3B
+7.7% YoY
|
52% |
| Total Loans ? |
$32.9M
-20.4% YoY
-7.7% QoQ
|
-$2.0M |
$34.9M
-0.6% YoY
|
$256.9M
+8.1% YoY
|
$3.2B
+9.4% YoY
|
50% |
| Total Deposits ? |
$64.0M
-24.2% YoY
-7.0% QoQ
|
+$12.3M |
$51.6M
-0.2% YoY
|
$395.8M
+5.2% YoY
|
$4.9B
+7.3% YoY
|
65% |
| Return on Assets ? |
-2.20%
+55.0% YoY
-249.6% QoQ
|
-3.20% |
1.00%
+3.5% YoY
|
1.35%
+50.4% YoY
|
1.30%
+12.1% YoY
|
Bottom 4.1% in tier |
| Net Interest Margin ? |
2.24%
-13.1% YoY
+8.8% QoQ
|
-1.68% |
3.91%
+2.3% YoY
|
3.97%
+6.9% YoY
|
3.95%
+4.9% YoY
|
Bottom 4.5% in tier |
| Efficiency Ratio ? |
233.09%
-15.7% YoY
+8.9% QoQ
|
+113.69% |
119.40%
+49.6% YoY
|
70.09%
-6.6% YoY
|
70.05%
+2.5% YoY
|
Bottom 2.2% in tier |
| Delinquency Rate ? |
0.47%
-0.1% YoY
+3.1% QoQ
|
-1.01% |
1.48%
+31.8% YoY
|
0.54%
-5.2% YoY
|
0.98%
+16.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
51.42%
+5.0% YoY
-0.8% QoQ
|
-22.79% |
74.21%
+12.6% YoY
|
246.53%
+252.1% YoY
|
79.03%
+2.3% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
24.22%
+26.3% YoY
+7.5% QoQ
|
+0.73% |
23.49%
+0.6% YoY
|
24.71%
-0.8% YoY
|
21.98%
-0.6% YoY
|
54% |
| Nonperforming Asset Ratio ? |
0.24%
+5.4% YoY
+1.9% QoQ
|
-0.60% |
0.84%
+23.0% YoY
|
0.41%
+17.6% YoY
|
0.69%
+15.8% YoY
|
52% |
| Tier 1 Capital Ratio ? |
4.82%
-22.9% YoY
-0.8% QoQ
|
-22.31% |
27.13%
+3.0% YoY
|
20.04%
+15.3% YoY
|
17.09%
+0.8% YoY
|
Bottom 0.4% in tier |
| Non-Interest Income / Assets ? |
0.10%
+34.6% YoY
+143.8% QoQ
|
-1.28% |
1.38%
+6.3% YoY
|
0.52%
+37.3% YoY
|
0.66%
+5.2% YoY
|
39% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
24.2%
+5.0pp YoY +1.7pp QoQ |
-0.4pp | 24.6% | 24.7% | 22.2% | 52% |
| Brokered Deposits |
34.4%
+4.8pp YoY +2.4pp QoQ |
+24.6pp | 9.8% | 12.5% | 8.5% | 97% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.1%
-0.2pp YoY -0.7pp QoQ |
-9.3pp | 13.4% | 16.1% | 12.5% | 14% |
| CRE | n/a | n/a | 25.2% | 45.3% | 41.4% | n/a |
| 1-4 Family |
8.4%
+2.9pp YoY +1.6pp QoQ |
-26.6pp | 35.0% | 25.2% | 31.3% | 18% |
| Consumer |
2.8%
+1.0pp YoY +0.8pp QoQ |
-4.8pp | 7.7% | 4.1% | 5.0% | 29% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
4.8%
-1.4pp YoY 0.0pp QoQ |
-33.9pp | 38.7% | 25.5% | 19.7% | 0% |
| Leverage Ratio |
2.5%
-0.9pp YoY -0.1pp QoQ |
-15.2pp | 17.7% | 11.6% | 12.6% | 0% |
| Total Capital Ratio |
6.1%
-1.4pp YoY 0.0pp QoQ |
-33.6pp | 39.7% | 26.6% | 20.8% | 0% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
22
-5 (-18.5%) YoY -2 (-8.3%) QoQ |
+10 | 12 | 57 | 482 | 92% |
| Assets per Employee ($) |
$3.0M
-7.4% YoY +1.8% QoQ |
-$3.2M | $6.2M | $8.7M | $8.8M | 8% |
| Branch Count |
3
0 YoY 0 QoQ |
+1 | 1 | 4 | 18 | 89% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual |
0.5%
0.0pp YoY 0.0pp QoQ |
-1.3pp | 1.7% | 0.6% | 1.0% | 38% |
| Allowance Coverage |
3.54x
-19.1% YoY +5.2% QoQ |
-2.87x | 6.41x | 18.30x | 20.23x | 74% |
| Net Charge-off Rate (YTD) |
-0.0%
0.0pp QoQ |
-0.2pp | 0.2% | 0.1% | 0.2% | 22% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (WY) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-101.6%
+40.3pp YoY -71.0pp QoQ |
-108.0pp | 6.4% | 9.7% | 11.6% | 0% |
| Cost of Funds (YTD) |
2.4%
+0.3pp YoY 0.0pp QoQ |
+1.0pp | 1.4% | 1.6% | 1.7% | 92% |
| Net Income ($, YTD) |
$-773000.0
+65.1% YoY — QoQ |
-$1.1M | $317,817 | $3.2M | $40.4M | 2% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.