# SUMMIT BANK
ARKADELPHIA, AR · FDIC certificate 34433 · asset band $1-10B · latest filing 2014-03 · stopped filing (departed)

**Verdict on the desk:** this could be *fortress*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.18B | |
| Deposits | $987.4M | |
| Loans and leases | $751.8M | |
| Total equity | $137.4M | |
| Loans / deposits | 74.80% (p39 of band) | 80.83% |
| Liquid assets / assets | 31.92% (p63 of band) | |
| Uninsured deposits / deposits | 23.53% (p53 of band) | 22.76% |
| Brokered deposits | 6.92% | |
| Wholesale funding | 11.57% (p65 of band) | |
| FHLB advances / assets | 3.60% | |
| Tier 1 leverage | 11.63% (p80 of band) | 9.78% |
| Unrealized securities loss / equity | 0.98% (p75 of band) | -0.17% |
| AOCI / equity | 1.38% (p78 of band) | |
| ROA (annualized) | 1.15% (p75 of band) | 0.87% |
| Net interest margin | 3.43% (p46 of band) | 3.48% |
| Efficiency ratio | 62.29% (p35 of band) | |
| Noncurrent loans | 0.88% (p41 of band) | 1.07% |
| Net charge-offs (annualized) | 0.14% (p72 of band) | |
| Reserve coverage of noncurrent | 201.47% | |
| Real estate % of loans | 85% | |
| Construction % of loans | 40.61% (p63 of band) | |
| Auto loans | $6.2M (0.83% of loans; DQ 4.11%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p38 of band) | |
| Deposits YoY | -2.5% | |
| Employees | 276 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2023-12-13 [John Carter - Arkansas Business](https://news.google.com/rss/articles/CBMiYkFVX3lxTFAwWHVkR0QwOWpFMDc0T3U2UHhMd3R6NmtXb3UwMFFaN3gxTjJ3dGZ3Z2dLT3ZmalA0d0lNY0VaU3d6MHhmR2V3QzlKLXZLZjRnNFlUN210ZDY3X3JoRExTQVdR?oc=5) · Arkansas Business
- 2023-02-13 [Arkansas Visionary: Ross Whipple, Arkansas Business Hall of Fame Class of 2023 - Arkansas Money & Politics](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9ZalowazVMdWpaazNsSFJFTzlZellYMUt1ODJmT2ExeUZjNEZ2ZmRwc05BbEV5M0ZQU1ZsVzBsT2xGOFg0QVJGLUhYTGVzaUFadk5Xd21NNA?oc=5) · Arkansas Money & Politics
- 2014-09-11 [LRPD: Summit Bank Robbed - KARK](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBkZXJlLUcxVGpvTXpyTHNrMjdaX0NLTUV6ZWhTZGZqUk9Rb282WUNRVDlKN1Q2ZjNPaUJidnZlWlEyMXd4MFBjS0RrTXIwdS1BcGpSUzVnU1BZa2lDeW9Z?oc=5) · KARK
- 2021-10-09 [Missouri bank opens LPO in Fayetteville - Talk Business & Politics](https://news.google.com/rss/articles/CBMifkFVX3lxTE5iWnVIbjZ5REFuSXhOYnFxS3RucW5vekcwdUdQLWdoVlh1LUpXbTk5Uzl0MGZabklLejJTc1NBdlVHMDF0cWhKMldOYXU4ZU1hblU5a1BWcFRtandQM2Z0ajVkNEN2MG9hWHlRQlg0X3BKZjZidEc5QXZ3dWFLUQ?oc=5) · Talk Business & Politics
- 2025-01-13 [Oak Tree Financial acquires Riverside Bank - The Arkadelphian](https://news.google.com/rss/articles/CBMihgFBVV95cUxPNGxsRVVsLXVDRnhBeFFvdmN1Y1pSWWhuQUpkSUNVYWVCTUtuQ0VMeWJYT2g0bDZzX3R3TktWNVotckN2Wm1IX3ZnQzJfX0xiZGZ1UVgxZ3RmRjNjejZ1S1ZKc01LS05oRGdvM1Rkd0dZQlpSN29HbXVEb3k0U3Y4MGFkcmdOQdIBjgFBVV95cUxNWDFvLTl4NlJjd3ZNQm9pSi1pTDVIeVJSd2w3WG96NGQ4aUdMaERqbmV0RTh1SUE4WmJFQjBNWnQxS3BXMjlCVTN4cHFKbnBlSDNKczZVSGZDRlhRVW0zNWJjZ0x3bXV4ZmhMWU9mam5aN1hmdmhaWTlKaXc5V2VJT2xqZHdmMzJEdmFHWVZR?oc=5) · The Arkadelphian
- 2014-07-02 [Man believed responsible for Madison bank robbery captured in Arkansas - WLBT](https://news.google.com/rss/articles/CBMieEFVX3lxTFBaemNTaVJHTVFGN211RVRHSURaemZLMDJUS1duSXlXMTUybDRUZDV3Rm9TYUZiY1Y1WVJ4Vk41Q3ljZjZIVFJmS01saVVPRS1UQ0lkaVMzYk5jSzhHcjJza3YxUTRHcnJhekV4TVk3VXE2c0F4eUZ4LdIBiwFBVV95cUxNZG1aajF5MElZb3JpZ1k2VkU2VW9RWG8xb3psNElwZDhWSEhFeXo0NlplN1R2Rmhlb1lWSThvenpOdmFRdldPTGRnTjZyWmxORDJmZXRqeG5vNnhIS1hVRXphQkVCaEN5OV9Hdy00eGhDTGJKTHFPQU1Ecng0TUVQeld6T2xNS1Rqam1B?oc=5) · WLBT
- 2014-07-02 [Benton bank robbery suspect tied to two other holdups, police say - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMioAFBVV95cUxPT0xPMXpRRUZQYnlhVmNIWTdMTmFnSFUyOHZDbXk4NjJIbHhCbUhtMW1LZ05tX0ptN0pZT2hOLXZnUTBXUjZpeHJLdGVRQjB3cmRqSExhdUNQbjZpZ1FDenI4LWtLbTlaM1VqYTZjNWd4NzQzZkd0LWo4YVdEQUtCQUtxN1AxV21xNTF3MWdoWFlSSmgyVWNabTJtMFpwNkg4?oc=5) · The Arkansas Democrat-Gazette
- 2014-07-02 [Benton bank robbery suspect arrested, charged in 3 cases - thv11.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxPcUxBRk4tU01SdldiN01rRF9VdmJFX2FmWElIRGluWktxLVRMamVJUnRmWjBsQ1gzRjRaM0pJWExYSVFjeG43UmttbGFPVzNMek13RWNhaUt4TDY4STdmNkpJU2M2dmhkZHAxNmQ2RDJ5N0w3SHJGQVVqck9hUVpXdXhkaUx0TEFvUFpZQkF1UElxSjlUbWMxQ210MWtBdmhoYmVPQ3psTkxmSGhwWGxMOEdfZzF1WmNmMEtKaUxXSVU?oc=5) · thv11.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34433 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/1.json (key "34433", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide