Headquartered in Hulett, Wyoming, Summit National Bank is a national bank with $65.9M in total assets and $64.0M in deposits as of Q2 2026. It operates 3 offices across 3 states. Its charter dates back to 1984.
Based on its Q2 2026 filing, Summit National Bank scores 45/100, which we describe as below average. That is higher than only 6% of 546 banks with under $100 million in assets. Among 24 banks headquartered in Wyoming, it ranks 23rd. Its strongest component is funding & liquidity (100/100; 51% loans-to-deposits, 9% uninsured), and its lowest is earnings (0/100; -2.20%).
TellerScore · Q2 2026
Scorecard
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
The score has been essentially flat from Q2 2025 to Q2 2026 (45 → 45).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 57 |
| Q3 2024 | 56 |
| Q4 2024 | 47 |
| Q1 2025 | 45 |
| Q2 2025 | 45 |
| Q3 2025 | 45 |
| Q4 2025 | 45 |
| Q1 2026 | 45 |
| Q2 2026 | 45 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.47% |
| Q3 2024 | 8.04% |
| Q4 2024 | 4.65% |
| Q1 2025 | 3.96% |
| Q2 2025 | 3.31% |
| Q3 2025 | 2.76% |
| Q4 2025 | 2.13% |
| Q1 2026 | 2.54% |
| Q2 2026 | 2.46% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.32% |
| Q3 2024 | 0.26% |
| Q4 2024 | 0.26% |
| Q1 2025 | 0.51% |
| Q2 2025 | 0.46% |
| Q3 2025 | 0.48% |
| Q4 2025 | 0.44% |
| Q1 2026 | 0.45% |
| Q2 2026 | 0.46% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | -3.86% |
| Q3 2024 | -3.46% |
| Q4 2024 | -5.69% |
| Q1 2025 | -6.19% |
| Q2 2025 | -4.88% |
| Q3 2025 | -4.88% |
| Q4 2025 | -4.58% |
| Q1 2026 | -0.63% |
| Q2 2026 | -2.20% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 45 | $65.9M | 2.46% | 0.46% | -2.20% | 51.4% |
| Q1 2026 | 45 | $70.7M | 2.54% | 0.45% | -0.63% | 51.8% |
| Q4 2025 | 45 | $74.4M | 2.13% | 0.44% | -4.58% | 53.9% |
| Q3 2025 | 45 | $85.6M | 2.76% | 0.48% | -4.88% | 48.9% |
| Q2 2025 | 45 | $87.4M | 3.31% | 0.46% | -4.88% | 49.0% |
| Q1 2025 | 45 | $91.4M | 3.96% | 0.51% | -6.19% | 49.2% |
| Q4 2024 | 47 | $93.3M | 4.65% | 0.26% | -5.69% | 50.7% |
| Q3 2024 | 56 | $96.7M | 8.04% | 0.26% | -3.46% | 51.6% |
| Q2 2024 | 57 | $93.7M | 8.47% | 0.32% | -3.86% | 54.8% |
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).
Similar-size banks in Wyoming
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Cowboy State BankBank Ranchester, WY | 70 out of 100, Strong | $50.3M | 12.4% | 0.91% | vs |
| 2unifi BankBank Jackson, WY | 93 out of 100, Very strong | $38.5M | 38.4% | 0.00% | vs |
| Farmers State BankBank Pine Bluffs, WY | 81 out of 100, Strong | $35.4M | 10.9% | 0.00% | vs |
Deposit insurance
Is my money safe at Summit National Bank?
Yes. Summit National Bank is an FDIC-insured institution (FDIC certificate #25054). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 9.1% of deposits ($5.8M) 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 2.46%, below the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 6.07% (benchmark: 10%).
3 locations
Branches
Summit National Bank lists 3 offices in 3 cities across 3 states. Most locations:
- Ekalaka, MT (1)
- Hulett, WY (1)
- Salmon, ID (1)
Identity & history
Profile
- Legal name
- Summit National Bank
- Former names
- Hulett National Bank
- Type
- National bank
- FDIC certificate #
- 25054
- RSSD ID
- 78559
- Primary regulator
- OCC
- Holding company
- Mode Eleven Bcorp
- Established
- February 28, 1984
- Headquarters
- 133 Main St, Hulett, WY 82720
- Website
- www.summitnb.com
- Employees
- 22
Quick answers
Summit National Bank: common questions
Is Summit National Bank FDIC insured?
Yes. Summit National Bank is an FDIC-insured institution (FDIC certificate #25054). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Summit National Bank's TellerScore?
45 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Summit National Bank ever failed?
There is no failure record for FDIC certificate #25054 in the FDIC failed bank list.
How many branches does Summit National Bank have?
3 offices as of the latest FDIC data, in 3 states.
Nearby
Highest-scoring banks and credit unions with branches near Hulett
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Sundance State BankBank Sundance, WY | 80 out of 100, Strong | $290.9M | 11.9% | 0.56% | vs |