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First Summit Bank

under $100M Specialty: Agricultural OK FDIC cert 399

Designations: ✓ Community bank

Ryan, OK

2 branches across OK

537 banks in the under $100M peer group nationally 38 in OK
View under $100M leaderboard (OK) →

First Summit Bank has 3 strengths but faces 2 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

  • + ROA 0.19% above tier average
  • + Net Interest Margin 0.86% above tier average
  • + Efficiency Ratio 12.50% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 3.85% above tier average
  • - Nonperforming Asset Ratio 1.96% above tier average
Get updates when First Summit Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $34.3M
+10.5% YoY -0.8% QoQ
-$28.0M $62.3M
-0.5% YoY
$1.2B
+6.7% YoY
$6.2B
+9.0% YoY
Bottom 14.9% in tier
Total Loans ? $18.0M
+8.4% YoY -0.8% QoQ
-$16.3M $34.3M
-1.5% YoY
$822.6M
+7.2% YoY
$3.2B
+10.7% YoY
24%
Total Deposits ? $29.6M
+11.3% YoY -1.2% QoQ
-$22.3M $51.8M
-0.6% YoY
$956.7M
+4.7% YoY
$4.8B
+8.0% YoY
18%
Return on Assets ? 1.04%
-40.8% YoY +10.8% QoQ
+0.19% 0.86%
-3.6% YoY
1.34%
+7.6% YoY
1.24%
+13.1% YoY
55%
Net Interest Margin ? 4.73%
-14.7% YoY -5.1% QoQ
+0.86% 3.87%
+2.7% YoY
4.25%
+2.4% YoY
3.89%
+5.7% YoY
82%
Efficiency Ratio ? 75.13%
+8.1% YoY -6.8% QoQ
-12.50% 87.63%
+2.3% YoY
65.16%
-1.8% YoY
66.84%
-3.8% YoY
44%
Delinquency Rate ? 5.21%
+35.2% QoQ
+3.85% 1.36%
+33.7% YoY
1.61%
+16.3% YoY
0.95%
+18.8% YoY
Bottom 5.2% in tier
Loan-to-Deposit Ratio ? 60.90%
-2.6% YoY +0.4% QoQ
-3.21% 64.11%
-0.9% YoY
73.83%
+1.6% YoY
76.69%
+0.9% YoY
57%
Non-Interest-Bearing Deposit Share ? 21.11%
-10.2% YoY -2.9% QoQ
-2.68% 23.79%
+0.5% YoY
23.68%
-1.7% YoY
22.01%
-1.1% YoY
42%
Nonperforming Asset Ratio ? 2.74%
+35.2% QoQ
+1.96% 0.77%
+28.7% YoY
1.12%
+15.3% YoY
0.66%
+19.3% YoY
Bottom 5.6% in tier
Tier 1 Capital Ratio ? 13.49%
-5.4% YoY +0.3% QoQ
-13.28% 26.77%
+2.0% YoY
14.36%
-1.8% YoY
17.06%
+0.8% YoY
35%
Non-Interest Income / Assets ? 0.10%
-58.9% YoY -85.1% QoQ
-0.57% 0.67%
+1.6% YoY
0.15%
-5.6% YoY
0.32%
+4.0% YoY
71%

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).
Comparing against 537 peers in under $100M

Top Strengths (1 metrics)

95
Net Interest Margin
profitability
Value: 4.73%
Peer Median: 3.87%
#95 of 537 Top 17.5% in under $100M

Top Weaknesses (5 metrics)

491
Delinquency Rate
credit_quality
Value: 5.21%
Peer Median: 1.36%
#491 of 517 Bottom 5.2% in under $100M
508
Nonperforming Asset Ratio
credit_quality
Value: 2.74%
Peer Median: 0.77%
#508 of 537 Bottom 5.6% in under $100M
458
Total Assets
size
Value: $34.32M
Peer Median: $62.28M
#458 of 537 Bottom 14.9% in under $100M
439
Total Deposits
size
Value: $29.58M
Peer Median: $51.83M
#439 of 537 Bottom 18.4% in under $100M
408
Total Loans
size
Value: $18.01M
Peer Median: $34.29M
#408 of 537 Bottom 24.2% in under $100M
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