# SUMMIT BANK
TULSA, OK · FDIC certificate 57289 · asset band <$300M · latest filing 2013-06 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. 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 | $256.2M | |
| Deposits | $226.1M | |
| Loans and leases | $214.1M | |
| Total equity | $24.7M | |
| Loans / deposits | 93.32% (p90 of band) | 68.67% |
| Liquid assets / assets | 14.03% (p6 of band) | |
| Uninsured deposits / deposits | 42.97% (p98 of band) | 11.61% |
| Brokered deposits | 2.92% | |
| Wholesale funding | 4.23% (p65 of band) | |
| FHLB advances / assets | 1.31% | |
| Tier 1 leverage | 9.50% (p37 of band) | 10.18% |
| Unrealized securities loss / equity | 0.11% (p64 of band) | -0.21% |
| AOCI / equity | -0.03% (p84 of band) | |
| ROA (annualized) | 1.49% (p85 of band) | 0.77% |
| Net interest margin | 4.22% (p81 of band) | 3.59% |
| Efficiency ratio | 63.03% (p25 of band) | |
| Noncurrent loans | 0.49% (p32 of band) | 1.13% |
| Net charge-offs (annualized) | 0.02% (p48 of band) | |
| Reserve coverage of noncurrent | 290.49% | |
| Real estate % of loans | 62% | |
| Construction % of loans | 75.41% (p91 of band) | |
| Auto loans | $143,000 (0.07% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 10.3% | |
| Employees | 43 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 0 |  | reserve under noncurrent |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 1 | liquid assets <10% |  |
| 2012-09 | 1 | construction >100% equity | liquid assets <10% |
| 2012-12 | 0 |  | construction >100% equity |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |

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

- 2026-06-18 [1st Summit Bank Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMifkFVX3lxTFBMYmpZbGxwMVpCTjhjdEhVLWNfN21POHVDeDZIUWNRbk1LZUJnS2NBcE02aGxMWUo5N3gwOVFQdWt2LUpnSS1XZnhQMExPTWhyS1JJZ0gwZnZ4M0FzREVNX1Q0dFR3WEZZU2NkbGNSU3JfUGNTRk9kS3IxUENMdw?oc=5) · SmartAsset
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2026-03-21 [Legal, Financial Troubles Continue to Hit Arrow CEO - truckinginfo.com](https://news.google.com/rss/articles/CBMijAFBVV95cUxPbW45bGNlWDh6UFFaNGsya2cwQ015WVBsZ2p1cVJROEF6VUtCa1FUSXFrRWp6UEtILXZNdHQ0bmpNRGc1T1dBVVVTaFRGaWx2MS1rQVBjdGRERGxwTmUzbmN2WmxJMzYxaUVWOUZEejVsSHYwbkVjVHY2dGxBX0h3bk9kalFEbGkwbzRRNw?oc=5) · truckinginfo.com
- 2025-11-11 [Nigeria: Summit Bank launches operations with interest-free banking services - Financial Afrik](https://news.google.com/rss/articles/CBMivgFBVV95cUxQWVMyNVpqLXM2MllFOVhNb3oxbkhDUFhfdXJRaVNHWm5NU3plX1hRSDdLWWZPSU53OENDNWZzUGphaVlhWHpNN2prYVdTNktQMW5SdjJ6eERnS1pRQkdJV1FSRHdubDlGakItQktSVGxRajFRdzFwVlNXeUNQZE5mV0tPUmE1TjlKTEYzbnktMkdlMjBhOFBNcFdSYWcxbHJFRXlfTEFVbUpFZFI4UnExSlJMWVJuVXgtMTRya01n?oc=5) · Financial Afrik
- 2013-05-16 [Commerce Bank buying Summit Bancshares - journalrecord.com](https://news.google.com/rss/articles/CBMiaEFVX3lxTE5qeUF4WGNRamVwUXVLRlNybUFzWXg5NmtsaFA0eEtLU1lwcUV2TTNXV3JZNmFPQnA2bjlQTEwzWjFGWFF2NlFBS01NWVRfV1c4Z01rRWFzc0k0NjR2TXpFWGt0N193Q2V5?oc=5) · journalrecord.com
- 2023-12-13 [John Carter - Arkansas Business](https://news.google.com/rss/articles/CBMiYkFVX3lxTFAwWHVkR0QwOWpFMDc0T3U2UHhMd3R6NmtXb3UwMFFaN3gxTjJ3dGZ3Z2dLT3ZmalA0d0lNY0VaU3d6MHhmR2V3QzlKLXZLZjRnNFlUN210ZDY3X3JoRExTQVdR?oc=5) · Arkansas Business
- 2020-01-10 [TulsaPeople Q&A: Wade Edmundson - TulsaPeople](https://news.google.com/rss/articles/CBMitAFBVV95cUxOcW1zaVowTUtldDhCNDlkd2ptaXIwblU0WjliZElXVnBnM05peEU0UTJsQ1FBcHZUSHptdzRRd19oNnVlWDhESGRuMVhjZkNxTWhjYmk4RE1oNllXdzR3ZmZKNldzejNEakltMFpoZTZST1MxSkdha0xYdGpBc1JnQnJmQzZyMHBGR2s2SHR2QkpBRnJHb2xFR2ZIWkpNb3hubDdsRVJPTVBfSVZ0OGdlc0Q3a2I?oc=5) · TulsaPeople
- 2023-11-19 [Best Banks to Work For 2023 - American Banker](https://news.google.com/rss/articles/CBMicEFVX3lxTE5nbm5oUXcxdWJraTFKZmlvR29hQVAwelhQMnRES3lyZFlCMHhQYXUxeGZabTRrVlg2cEQzUWF0a1ZUaENXNHNhS0tTM0NfdVp5MXhwRHRKRU9JU3Z5VlZMUXVhSnNLQ19JeDM3dVVtZkc?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57289 (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/9.json (key "57289", 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