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First Summit Bank
Ryan, OK · FDIC Certificate #399 · Chartered 06/0
Total assets
$33.76M
Total deposits
$29.00M
Total equity
$4.71M
Net loans
$17.79M
Branches (offices)
2
Net income (YTD)
$117.00K
Rank: #4,132 of 4,213 U.S. banks by assets · #161 of 168 in Oklahoma. Assets changed 4.9% and deposits 4.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.68% |
| Return on equity | 5.02% |
| Net interest margin (YTD) | 4.77% |
| Equity to assets | 13.95% |
| Tier 1 leverage ratio | 13.68% |
| Uninsured deposits (share of deposits) | 11.8% |
| Noncurrent loans (share of loans) | 7.11% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 61.3% |
| Real estate loans (share of loans) | 71.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $12.72M | 71.5% | |
| Commercial & industrial | $1.42M | 8.0% | |
| Consumer / individual | $1.81M | 10.2% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $2.12M | 11.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $30.44M | $26.62M | $83.00K | $3.81M |
| Jun 2023 | $27.80M | $23.75M | $114.00K | $4.01M |
| Jun 2024 | $28.31M | $24.12M | $37.00K | $4.14M |
| Jun 2025 | $32.17M | $27.64M | $187.00K | $4.48M |
| Jun 2026 | $33.76M | $29.00M | $117.00K | $4.71M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $29.00M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $29.00M.
Similar-sized banks
The First National Bank Of Proctor ($33.99M) · Marquette Farmers State Bank Of Marquette ($33.59M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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