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Summit National Bank

IDRSSD: 78559
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2025-Q2QoQ -7

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #78559 2025-Q2 Vital Signs Score: 71/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Capitalization (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Risk
Asset Quality:Strong
Reserves:Strong

Top 3 Watch Items

  1. watch
    Tier 1 RBC below 8%
    Capitalization — Tier 1 RBC 6.33% (PCA threshold 8%).
  2. watch
    Tier 1 Leverage below 5%
    Capitalization — Tier 1 Leverage 3.36% (PCA threshold 5%).
  3. info
    CET1 below 7%
    Capitalization — CET1 6.33% (threshold 7%).

What changed this quarter

Compared to Q1 2025:
↓ -7 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -30
  • Asset Quality
    ↑ +3
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
80
Sub-score

Liquidity is strong: brokered 29.6%, loans/deposits 49.0%, cash 35.4% of assets.

Cash / Assets
35.40%
Loans / Deposits
48.98%
Brokered %
29.64%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.09%
No watch items at this period.

Capitalization

RiskQoQ -30
1
Sub-score

Capital position is weak: Tier 1 RBC 6.33%, CET1 6.33%, leverage 3.36%.

Tier 1 RBC
6.33%
CET1
6.33%
Leverage
3.36%

Watch Items

  • watchTier 1 RBC below 8% — Tier 1 RBC 6.33% (PCA threshold 8%).
  • infoCET1 below 7% — CET1 6.33% (threshold 7%).
  • watchTier 1 Leverage below 5% — Tier 1 Leverage 3.36% (PCA threshold 5%).

Asset Quality

StrongQoQ +3
100
Sub-score

Asset quality is strong: Adjusted NPL 0.47%, Texas Ratio 5.2%, NCO YTD 0.00%.

Adjusted NPL
0.47%
Govt-guarantees stripped
Texas Ratio
5.2%
NCO YTD
0.00%
30-89 PD
0.00%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.02% of loans, coverage 437.9%, true coverage 437.9%.

ALLL / Loans
2.02%
Coverage
437.9%
True Loss Coverage
437.9%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-13 03:44:18 UTC