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Summit National Bank

Hulett, WY · Est. 1984 · Website ↗
F
Trust Grade
Weak
Score: 36/100

Summit National Bank is a bank based in Hulett, Wyoming, established in 1984, with $71 million in total assets across 3 branches. By Trust Grade it ranks 24th of 24 banks we track in Wyoming. Its capital ratio of 2.3% trails most similarly sized banks (1th percentile), versus a Wyoming median of 9.4%. It posted a loss over the most recent period (-0.63% return on assets), a point to watch. No consumer complaints against Summit National Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$70.7M
<$100M institution
Deposits
$68.8M
Branches
3
Capital ratio
2.3%
Bottom 1% of <$100M peers · Wyoming median 9.4%
Return on assets
-0.6%
Bottom 10% of <$100M peers · Wyoming median 1.22%
Rank in Wyoming
#24
of 24 banks

How Summit National Bank compares to Wyoming peers

Capital ratio
Bottom 1% of <$100M peers
Summit National
2.3%
Wyoming median
9.4%
Higher capital ratio = stronger financial cushion
Return on assets
Bottom 10% of <$100M peers
Summit National
-0.6%
Wyoming median
1.2%
Higher ROA = more profitable relative to asset base

How we graded Summit National Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
36/100
Customer experience
n/a
Overall
F · 36
  • Below the well-capitalized threshold (2.3%)
  • Unprofitable over the period (ROA -0.63%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Summit National Bank over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (3)

  • 307 N Main St, Ekalaka, MT 59324
  • 133 Main St, Hulett, WY 82720
  • 102 Courthouse Dr, Salmon, ID 83467

Are deposits at Summit National Bank insured?

Yes. Summit National Bank is an FDIC-insured bank (FDIC certificate #25054). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Summit National Bank: frequently asked questions

Is Summit National Bank a good bank?

Summit National Bank earns a Bankzia Trust Grade of F (36/100, "Weak"), based on a financial-strength score of 36/100 (it has no CFPB complaints on record). Below the well-capitalized threshold (2.3%); Unprofitable over the period (ROA -0.63%).

Is Summit National Bank FDIC-insured?

Yes. Summit National Bank is a FDIC-insured bank (FDIC certificate #25054). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Summit National Bank?

Summit National Bank holds $71 million in total assets, ranking 24th of 24 banks we track in Wyoming. It operates 3 branches.

Does Summit National Bank have CFPB complaints?

No CFPB complaints against Summit National Bank appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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