BlastPoint's Banking Scorecard
Summit National Bank
Designations: ✓ Community bank
Hulett, WY
3 branches across ID · MT · WY
Summit National Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.90% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 1.48% below tier average
- - Net Interest Margin 1.81% below tier average
- - Efficiency Ratio 126.43% above tier average
- - Tier 1 Capital Ratio 21.92% below tier average
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
|
+$8.4M |
$62.3M
-0.5% YoY
|
$445.8M
+4.9% YoY
|
$6.2B
+9.0% YoY
|
58% |
| Total Loans ? |
$35.6M
-15.8% YoY
-8.9% QoQ
|
+$1.4M |
$34.3M
-1.5% YoY
|
$250.1M
+8.7% YoY
|
$3.2B
+10.7% YoY
|
56% |
| Total Deposits ? |
$68.8M
-20.1% YoY
-5.2% QoQ
|
+$16.9M |
$51.8M
-0.6% YoY
|
$397.2M
+4.6% YoY
|
$4.8B
+8.0% YoY
|
72% |
| Return on Assets ? |
-0.63%
+89.9% YoY
+86.3% QoQ
|
-1.48% |
0.86%
-3.6% YoY
|
1.18%
+46.8% YoY
|
1.24%
+13.1% YoY
|
Bottom 9.9% in tier |
| Net Interest Margin ? |
2.06%
-15.6% YoY
-14.3% QoQ
|
-1.81% |
3.87%
+2.7% 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
|
+126.43% |
87.63%
+2.3% YoY
|
71.89%
-9.4% YoY
|
66.84%
-3.8% YoY
|
Bottom 2.2% in tier |
| Delinquency Rate ? |
0.46%
-12.8% YoY
+2.2% QoQ
|
-0.90% |
1.36%
+33.7% YoY
|
0.47%
-19.3% YoY
|
0.95%
+18.8% YoY
|
49% |
| Loan-to-Deposit Ratio ? |
51.84%
+5.4% YoY
-3.9% QoQ
|
-12.27% |
64.11%
-0.9% YoY
|
68.79%
+12.9% YoY
|
76.69%
+0.9% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
22.53%
-21.1% YoY
-5.2% QoQ
|
-1.26% |
23.79%
+0.5% YoY
|
24.89%
+11.1% YoY
|
22.01%
-1.1% YoY
|
47% |
| Nonperforming Asset Ratio ? |
0.23%
-5.0% YoY
-1.9% QoQ
|
-0.54% |
0.77%
+28.7% YoY
|
0.38%
+6.8% YoY
|
0.66%
+19.3% YoY
|
51% |
| Tier 1 Capital Ratio ? |
4.85%
-37.0% YoY
+24.1% QoQ
|
-21.92% |
26.77%
+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
|
-0.63% |
0.67%
+1.6% YoY
|
0.21%
+17.8% YoY
|
0.32%
+4.0% YoY
|
32% |
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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.