TellerScore

Headquartered in Ryan, Oklahoma, First Summit Bank is a state-chartered bank with $33.8M in total assets and $29.0M in deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1894.

First Summit Bank has a TellerScore of 55 out of 100 (moderate) based on Q2 2026 data — higher than only 14% of its 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 137th. Funding & liquidity contributes the most (99/100, 61% loans-to-deposits, 12% uninsured); loan quality contributes the least (0/100, 7.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion87/100
Tier 1 leverage ratio: 13.68%
Loan quality0/100
Noncurrent loans ÷ total loans: 7.11%
Earnings47/100
Return on assets (annualized): 0.68%
Funding & liquidity99/100
Loans ÷ deposits and uninsured-deposit share: 61.3% · 11.8% uninsured
Problem-loan coverage49/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 25.74%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 35 points (90 → 55), mostly because the loan quality component weakened by 100 points.

TellerScore
557696Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202481
Q3 202484
Q4 202476
Q1 202596
Q2 202590
Q3 202593
Q4 202559
Q1 202659
Q2 202655
Tier 1 leverage ratio
5.00%9.76%14.52%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202414.50%
Q3 202414.52%
Q4 202413.77%
Q1 202514.26%
Q2 202513.78%
Q3 202514.21%
Q4 202513.45%
Q1 202613.49%
Q2 202613.68%
Noncurrent loans
0.00%3.55%7.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.24%
Q3 20240.12%
Q4 20240.90%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20253.81%
Q1 20265.15%
Q2 20267.11%
Return on assets
0.26%1.01%1.76%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.26%
Q3 20240.53%
Q4 20240.64%
Q1 20251.76%
Q2 20251.19%
Q3 20251.41%
Q4 20250.94%
Q1 20261.04%
Q2 20260.68%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$33.8M13.68%7.11%0.68%61.3%
Q1 202659$34.3M13.49%5.15%1.04%60.9%
Q4 202559$34.6M13.45%3.81%0.94%60.7%
Q3 202593$32.3M14.21%0.00%1.41%60.0%
Q2 202590$32.2M13.78%0.00%1.19%61.9%
Q1 202596$31.1M14.26%0.00%1.76%62.6%
Q4 202476$31.0M13.77%0.90%0.64%65.7%
Q3 202484$29.7M14.52%0.12%0.53%71.0%
Q2 202481$28.3M14.50%0.24%0.26%71.1%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio13.68%
59th
Total risk-based capital0.00%
27th
Problem loans7.11%
3rd
Net charge-offs0.00%
58th
Return on assets0.68%
35th
Net interest margin4.77%
82nd
Efficiency ratio78.4%
36th
Loans to deposits61.3%
57th
Uninsured deposits11.8%
67th
Loan-loss reserves1.54%
71st
Texas ratio25.7%
5th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
First American BankBank Stonewall, OK82 out of 100, Strong$34.3M13.1%0.67%vs
The Hopeton State BankBank Hopeton, OK66 out of 100, Moderate$30.8M11.3%0.00%vs
Bank of ViciBank Vici, OK30 out of 100, Low$28.9M10.2%12.31%vs
First State Bank in TempleBank Temple, OK64 out of 100, Moderate$26.4M22.2%8.60%vs
The First National Bank of FletcherBank Fletcher, OK65 out of 100, Moderate$23.4M9.9%1.07%vs
Washita State BankBank Burns Flat, OK53 out of 100, Below average$44.3M14.6%3.34%vs

Deposit insurance

Is my money safe at First Summit Bank?

Yes. First Summit Bank is an FDIC-insured institution (FDIC certificate #399). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.8% of deposits ($3.4M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 13.68%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

2 locations

Branches

First Summit Bank lists 2 offices in 2 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
First Summit Bank
Former names
The First State Bank; The First State Bank, Ryan, Oklahoma
Type
State-chartered bank
FDIC certificate #
399
RSSD ID
514356
Primary regulator
FDIC
Established
June 1, 1894
Headquarters
527 Washington Street, Ryan, OK 73565
Employees
11

Quick answers

First Summit Bank: common questions

Is First Summit Bank FDIC insured?

Yes. First Summit Bank is an FDIC-insured institution (FDIC certificate #399). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Summit Bank's TellerScore?

55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Summit Bank ever failed?

There is no failure record for FDIC certificate #399 in the FDIC failed bank list.

How many branches does First Summit Bank have?

2 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Ryan

InstitutionScoreAssetsCapitalProblem loansCompare
The First Farmers National Bank of WaurikaBank Waurika, OK94 out of 100, Very strong$55.5M19.3%0.00%vs
Legend Bank, N.A.Bank Bowie, TX82 out of 100, Strong$1.3B10.4%0.12%vs
First National Bank and Trust Company of ArdmoreBank Ardmore, OK79 out of 100, Strong$686.7M10.1%0.03%vs
Prosperity BankBank El Campo, TX71 out of 100, Strong$43.9B10.6%0.48%vs
First State Bank in TempleBank Temple, OK64 out of 100, Moderate$26.4M22.2%8.60%vs
First Bank & Trust Co.Bank Duncan, OK61 out of 100, Moderate$952.1M14.9%5.22%vs