Summit National Bank (FDIC #25054): Bank Stress & Real-Estate Credit Exposure
Summit National Bank (FDIC Cert #25054): bank stress 100/100, severe, STABLE over 7 days; parent MODE ELEVEN BCORP.
Summit National Bank (#25054) lends in 3 counties across 3 states; Summit National Bank (#25054) reaches 30 ZIP codes: Idaho 1 county, 11 ZIPs; Montana 1 county, 10 ZIPs; Wyoming 1 county, 10 ZIPs.
Summit National Bank (#25054) largest markets: Lemhi County, ID (11 branches, 11 ZIPs) (#25054), Carter County, MT (10 branches, 10 ZIPs) (#25054), Crook County, WY (10 branches, 10 ZIPs) (#25054).
Summit National Bank (#25054) reports $65.9 million in total assets; Summit National Bank (#25054) equity $1.6 million (2.4% of Summit National Bank (#25054) assets); Summit National Bank (#25054) domestic deposits $64.0 million; Summit National Bank (#25054) net income minus $773,000; Summit National Bank (#25054) return on assets -2.20%; Summit National Bank (#25054) return on equity -101.58%; Summit National Bank (#25054) net interest income $744,000; Summit National Bank (#25054) call report June 30, 2026.
Summit National Bank (#25054) noncurrent real-estate loans: none reported; Summit National Bank (#25054) net charge-offs on real estate 0.68%; Summit National Bank (#25054) residential charge-offs 0.11%.
Summit National Bank (#25054) net interest margin 2.24% against an eight-quarter Summit National Bank (#25054) average of 2.53% (Summit National Bank (#25054) compression 0.30 points); Summit National Bank (#25054) non-residential real estate 10.9% of equity; Summit National Bank (#25054) rate-exposure score 40/100, Summit National Bank (#25054) fixed-rate trap 40/100; Summit National Bank (#25054) risk type credit driven; Summit National Bank (#25054) rate regime rates elevated, Summit National Bank (#25054) snapshot October 20, 2026.
Summit National Bank (#25054) stress score held at 100 across 117 daily snapshots, June 22, 2026 to October 20, 2026.
Summit National Bank (#25054) alerts: 3 counties; top Summit National Bank (#25054) alert scores: Ekalaka County, WY 37 (moderate); Hulett County, WY 37 (moderate); Salmon County, WY 37 (moderate).