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Summit National Bank

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
69
/ 100
StableAs of 2026-Q1QoQ 0

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

Quarterly Headline

2026-Q1

Bank #78559 2026-Q1 Vital Signs Score: 69/100 — 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 RBC below 8%
    Capitalization — Tier 1 RBC 4.85% (PCA threshold 8%).
  2. risk
    Tier 1 Leverage below 5%
    Capitalization — Tier 1 Leverage 2.54% (PCA threshold 5%).
  3. risk
    CET1 below 7%
    Capitalization — CET1 4.85% (threshold 7%).

What changed this quarter

Compared to Q4 2025:
↓ 0 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -2
  • Reserves
    — —

The five pillars

Liquidity

Strong
80
Sub-score

Liquidity is strong: brokered 32.0%, loans/deposits 51.8%, cash 28.9% of assets.

Cash / Assets
28.86%
Loans / Deposits
51.84%
Brokered %
32.00%

Watch Items

  • infoBrokered deposits above 30% — Brokered 32.0% of deposits (threshold 30%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 16.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
16.53%
No watch items at this period.

Capitalization

Risk
0
Sub-score

Capital position is weak: Tier 1 RBC 4.85%, CET1 4.85%, leverage 2.54%.

Tier 1 RBC
4.85%
CET1
4.85%
Leverage
2.54%

Watch Items

  • riskTier 1 RBC below 8% — Tier 1 RBC 4.85% (PCA threshold 8%).
  • riskCET1 below 7% — CET1 4.85% (threshold 7%).
  • riskTier 1 Leverage below 5% — Tier 1 Leverage 2.54% (PCA threshold 5%).

Asset Quality

StrongQoQ -2
94
Sub-score

Asset quality is strong: Adjusted NPL 0.46%, Texas Ratio 6.9%, NCO YTD -0.03%.

Adjusted NPL
0.46%
Govt-guarantees stripped
Texas Ratio
6.9%
NCO YTD
-0.03%
30-89 PD
1.29%
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 1.52% of loans, coverage 336.8%, true coverage 336.8%.

ALLL / Loans
1.52%
Coverage
336.8%
True Loss Coverage
336.8%
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