# SUMMIT COMMUNITY BANK
MAPLEWOOD, MN · FDIC certificate 58552 · asset band <$300M · latest filing 2013-09 · 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 | $66.2M | |
| Deposits | $51.8M | |
| Loans and leases | $47.4M | |
| Total equity | $11.3M | |
| Loans / deposits | 89.70% (p86 of band) | 69.26% |
| Liquid assets / assets | 24.13% (p26 of band) | |
| Uninsured deposits / deposits | 39.45% (p97 of band) | 11.87% |
| Brokered deposits | 3.38% | |
| Wholesale funding | 7.91% (p78 of band) | |
| FHLB advances / assets | 4.53% | |
| Tier 1 leverage | 17.26% (p93 of band) | 10.33% |
| Unrealized securities loss / equity | 2.88% (p92 of band) | -0.53% |
| AOCI / equity | -3.23% (p49 of band) | |
| ROA (annualized) | 2.27% (p96 of band) | 0.77% |
| Net interest margin | 4.82% (p94 of band) | 3.62% |
| Efficiency ratio | 51.64% (p8 of band) | |
| Noncurrent loans | 1.60% (p61 of band) | 1.08% |
| Net charge-offs (annualized) | 0.00% (p25 of band) | |
| Reserve coverage of noncurrent | 127.70% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 11.15% (p42 of band) | |
| Auto loans | $14,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 6.3% | |
| Employees | 11 | |

## 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 | 1 |  |  |
| 2011-09 | 1 |  |  |
| 2011-12 | 1 |  |  |
| 2012-03 | 4 | charge-offs p90, deposits shrinking, assets shrinking |  |
| 2012-06 | 2 |  | reserve under noncurrent, assets shrinking |
| 2012-09 | 1 |  | deposits shrinking |
| 2012-12 | 1 | deposits shrinking | charge-offs p90 |
| 2013-03 | 0 |  | deposits shrinking |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |

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

- 2024-01-22 [Summit Community Bank celebrates new Huntington branch - herald-dispatch.com](https://news.google.com/rss/articles/CBMi3gFBVV95cUxNeUxYMnZZRFVCVWVVOXZ1d2tKU0lobmFaSjlrc0wwRFNsbHhnX3M1RVFOQUVqWW82SE1PR3NsMzV0RmhMQ01fbmpZTC1nR2FSOUl0Q0ZSMXNma0JxNFJaeUdCdDRqR1dYYnZyaEdPUDdQYWdScDI2RE9aMUk0ZFczSWhsMC1sQktGWkZwRkdTZGU1T1hhbDZ2elVpNW1iUGg3VHhOV2N5ZTF6bVRCUC1CYzhWMGdDdUE3eTJ6dndKcjJfblBhTFduRjR3T09Wc2ZJRS1NQ3FhMDd4Y0gxbWc?oc=5) · herald-dispatch.com
- 2023-08-25 [Burke & Herbert CEO David Boyle talks market expansion and other benefits of Summit bank merger - The Business Journals](https://news.google.com/rss/articles/CBMilgFBVV95cUxNS3NVaVIzMFQ1SERlRGhFd2R4LW9FQjhEV2tZVXMzeXJfZkluWXI4X0JGVlVjb3FOZkRxMVU5czhmZWM4Q0pLTXZBajB1OEJPWS1Cd0dseS15T3k0ZVhOVW11TTR2QnVRMmlZU0UxcXlOT3dHblk5T3NSSXJyOEUzVG4wLV9ORlZSLVdyM25ERFFGUU04dlE?oc=5) · The Business Journals
- 2020-11-17 [UPDATE: Deputies, FBI ask for tips to Crime Stoppers on Salem West Virginia bank robbery - WV News](https://news.google.com/rss/articles/CBMigAJBVV95cUxPREl5SXlvZ1hCV0ZxSUNOZXJIMVF3UV9MMDNmeUY3ZXAybnNXdTJfQjFJN0hyTWtfSUJxTjZNdUVhVTZSUC1OcExUN09pSGNTLUcwTkJyT2NCSUVCaTJmNDgtYWdSVUZQUVZOZVFhbFhDWEp0c0laMWFMZ0RMc0ZkV3RxS19oZmp2dHBlcUdQVDZMSThMci1ud1EzbVR4M0RsN0hWZXBVZk4zZks2YXhGeWlzWUVIcHFwZ3hxTV9UMlE5X2Q4WDdZMVZCQUNNcEJUakNjZWpKaFAwdjdqMDhvekpUdG4yMjkxZG1FbEN4SEctYVMxUjk1RmRPdHNXSjQ2?oc=5) · WV News
- 2023-08-24 [Summit Financial to merge with Virginia-based company - herald-dispatch.com](https://news.google.com/rss/articles/CBMi3AFBVV95cUxPajZ0bjF0eXgtdXlfeGxBVkZCZW1mY1p0R090RDBTRVNScjRsUkZEUnhMN0tUcmtaRjlILUhpXzBRX184eWlYMTY3UndGczBzLWFZVExtZVFfTGt0U3ItRjBoVnp0R2dESWtXY1hKQUU2dW9GcHlTMXZucGZDck92a0UwNmZrTVBMOW5RUzJjeVpLd2FYVl9OMGVZbFJBN3UzQzREdFk5Z0JnSUNtWU96SHctVGZ4eVJiM3dTZ3RVcG4wVGh0OExLZWlVM3V4QXRUMnJBUmsycnVUR3lN?oc=5) · herald-dispatch.com
- 2021-03-18 [Phillip Quintana, Summit Community Bank - Washington Business Journal - The Business Journals](https://news.google.com/rss/articles/CBMiggFBVV95cUxNNkJGRHlyT2RVSWd1eF9HWUh2ZThYM3pRencwdVZrekNaTmJYV25oM2NjUFVCd2lTRHFMSXc0dGEwOG5KNkU1S09QcEEtUms3R2ZVZVVPWlNwMHFhalNtalctMDhQN0dsT1I3TkdscUk5NjY0S0JKM0VqM2FCRkdkZWR3?oc=5) · The Business Journals
- 2008-08-20 [Brazen crook's bank robbery spree started in Louisville - WDRB](https://news.google.com/rss/articles/CBMilgFBVV95cUxPSmxqOFh4aXdna2ZMS09sSXhVTkJNblpUa2tXTVloYTBzZm5STXY3bGtJVTdjbmFCYW8yX0J6VkZySmtDanRxRC1mQS1wb1NqaUF2UjBIN1hmVEt2OENrQl90d2wxMGVfTUZmOWxYQVlWOU5KVjdGaGxwVHNNa2o4eUZTRkpSMXVjR0dvdGw2cXFrZmpBWEHSAagBQVVfeXFMT29RVzRvb3gzR1NhUzZkWm5MQmd3MkZ4YmFCLVRzSHc0SVhnQlNMWF9waHNOTWpsYjZ2YWtBb2FtZkk2UkFBYnVjZHNuc0FzcG9vSzNXaGVNOHo3aExKWHZycENlc3VUMmpCZnlCRTBKXzAxV19YTHJjeXlXTGNxaWpWTW5OVlljMzY2dFhwMGZRZFFmZEpkMm9wTDdvUHJUeHU2OVRIeVg5?oc=5) · WDRB
- 2020-06-21 [Summit Community Bank coming to Huntington - herald-dispatch.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxNRGZOcnQ0TFhKYnQtMV9LSzJzbkJjdTdCdlNtSDlhYmM0UHQ0Y0NSZURUWklXbVVLbktLb0FWSW1zOF9LWEY5NTNUdVBBQ3ZlTk9lLUlGdHJKb1BQM0owM3BuODZBeVdCb1dhY0t5U0VpNXBZZk5ZaUZLUHZuT2xwdVpTd3BhMGM0aE5hQ2xLd3phaGFtaWQ4VHRvWENaSTRvTjBGR0puRUxqRm04Sm8yczFNNDctVFJ3NnUwN2liV3h0NktYcndiTUZHQkFzQQ?oc=5) · herald-dispatch.com
- 2022-12-19 [Housing market improvement expected next year; interest rates dropping off in West Virginia - WV News](https://news.google.com/rss/articles/CBMijgJBVV95cUxOVHhBM0R1MU1EcjZqWDVvM3ZPTV83X3k3VHJVdkRtUHVPV0E2eWtWem5Zem1OMVBZUWQzSzBuN0dRZTM1ZGxJMkIyUHcwMEtaaW96VmhKTWhnVnZaa0xrQ3ZMNFVrTUFZMW1mMkFOcnRQUWtia3F3ZkhyYWFQd2k2WTRkN3drd29SUEt6cHB5dXg1X21TOTdGZnF3bS1OQUJkaUJPMXFVTkphSlBCZkVCcWZRZGJxaEdNYUxaMVdHMjJ5MUtBR1pOYlpMb1BBTUpzc29FV3R3QjQxYUF6RW4zamtNWmFUb3ZuMTdBZElRdUtzUFhDLU1UcFpOTDB6RUJjR2RfTUpSMS14X01HUlE?oc=5) · WV News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=58552 (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/56.json (key "58552", 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