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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
71
/ 100
StableAs of 2025-Q3QoQ 0

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

Quarterly Headline

2025-Q3

Bank #78559 2025-Q3 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. risk
    Tier 1 Leverage below 5%
    Capitalization — Tier 1 Leverage 2.76% (PCA threshold 5%).
  2. watch
    Tier 1 RBC below 8%
    Capitalization — Tier 1 RBC 5.34% (PCA threshold 8%).
  3. watch
    CET1 below 7%
    Capitalization — CET1 5.34% (threshold 7%).

What changed this quarter

Compared to Q2 2025:
↓ 0 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ 0
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ 0
80
Sub-score

Liquidity is strong: brokered 30.2%, loans/deposits 48.9%, cash 34.9% of assets.

Cash / Assets
34.94%
Loans / Deposits
48.93%
Brokered %
30.15%

Watch Items

  • infoBrokered deposits above 30% — Brokered 30.2% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.53%
No watch items at this period.

Capitalization

RiskQoQ -1
0
Sub-score

Capital position is weak: Tier 1 RBC 5.34%, CET1 5.34%, leverage 2.76%.

Tier 1 RBC
5.34%
CET1
5.34%
Leverage
2.76%

Watch Items

  • watchTier 1 RBC below 8% — Tier 1 RBC 5.34% (PCA threshold 8%).
  • watchCET1 below 7% — CET1 5.34% (threshold 7%).
  • riskTier 1 Leverage below 5% — Tier 1 Leverage 2.76% (PCA threshold 5%).

Asset Quality

StrongQoQ 0
100
Sub-score

Asset quality is strong: Adjusted NPL 0.49%, Texas Ratio 6.2%, NCO YTD 0.00%.

Adjusted NPL
0.49%
Govt-guarantees stripped
Texas Ratio
6.2%
NCO YTD
0.00%
30-89 PD
0.27%
Band 0.3% / 3.0%
90+ PD
0.05%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

Strong
100
Sub-score

Reserves are strong: ALLL 2.06% of loans, coverage 429.1%, true coverage 429.1%.

ALLL / Loans
2.06%
Coverage
429.1%
True Loss Coverage
429.1%
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