Summit State Bank (SSBI)
NASDAQ: SSBI · Real-Time Price · USD
11.57
+0.15 (1.31%)
Nov 3, 2026, 3:49 PM EST - Market open
Summit State Bank Balance Sheet
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Assets
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Equivalents | 91.34 | 65.52 | 51.4 | 57.79 | 77.57 | 40.7 |
Investment Securities | 64.92 | 66 | 68.65 | 85.07 | 84.41 | 62.37 |
Mortgage-Backed Securities | - | 6.85 | 6.99 | 7.88 | 8.26 | 10.5 |
Total Investments | 64.92 | 72.85 | 75.64 | 92.95 | 92.67 | 72.87 |
Gross Loans | 763.35 | 848.29 | 921.34 | 956.25 | 931.01 | 833.32 |
Allowance for Loan Losses | -18 | -14.49 | -13.69 | -15.22 | -14.84 | -12.33 |
Other Adjustments to Gross Loans | - | -2.01 | -2.57 | -2.4 | -2.47 | - |
Net Loans | 745.35 | 831.79 | 905.08 | 938.63 | 913.71 | 820.99 |
Property, Plant & Equipment | 4.86 | 6.29 | 6.39 | 6.24 | 6.82 | 6.86 |
Goodwill | - | - | - | 4.12 | 4.12 | 4.12 |
Accrued Interest Receivable | 22.79 | 3.34 | 3.48 | 3.7 | 3.69 | 2.79 |
Long-Term Deferred Tax Assets | - | 5.11 | 3.62 | 3.12 | 2.3 | 2.61 |
Other Real Estate Owned & Foreclosed | 2.29 | 2.29 | 4.44 | - | - | - |
Other Long-Term Assets | - | 11.49 | 11.15 | 10.43 | 9.74 | 2.83 |
Total Assets | 937.45 | 1,005 | 1,067 | 1,123 | 1,115 | 958.08 |
Liabilities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Interest Bearing Deposits | 580.05 | 566.93 | 635.37 | 681.47 | 498.09 | 469.2 |
Institutional Deposits | 55.23 | 141.46 | 141.43 | 126.32 | 212.54 | 107.58 |
Non-Interest Bearing Deposits | 191.33 | 182.72 | 185.76 | 201.91 | 252.03 | 234.82 |
Total Deposits | 826.61 | 891.11 | 962.56 | 1,010 | 962.66 | 811.6 |
Current Portion of Leases | - | 0.38 | - | - | - | - |
Accrued Interest Payable | 5.59 | 0.3 | 1.67 | 0.62 | 11.14 | 4.09 |
Long-Term Debt | 5.96 | 5.95 | 5.94 | 5.92 | 5.91 | 5.89 |
Federal Home Loan Bank Debt, Long-Term | - | - | - | - | 41 | 48.5 |
Long-Term Leases | - | 1.14 | 1.29 | 0.99 | 1.42 | 1.23 |
Other Long-Term Liabilities | 0.46 | 4.54 | 3.91 | 7.6 | 4.68 | 2.48 |
Total Liabilities | 838.62 | 903.42 | 975.37 | 1,025 | 1,027 | 873.8 |
Shareholders' Equity
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Common Stock | 38.09 | 37.95 | 37.74 | 37.47 | 37.18 | 37.01 |
Retained Earnings | 68.94 | 69.67 | 62.87 | 68.96 | 61.39 | 47.64 |
Comprehensive Income & Other | -8.2 | -6.45 | -8.89 | -8.75 | -10.02 | -0.38 |
Shareholders' Equity | 98.83 | 101.17 | 91.72 | 97.68 | 88.55 | 84.28 |
Total Liabilities & Equity | 937.45 | 1,005 | 1,067 | 1,123 | 1,115 | 958.08 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Total Debt | 5.96 | 7.47 | 7.22 | 6.91 | 48.33 | 55.62 |
Net Cash (Debt) | 85.38 | 58.06 | 44.18 | 50.88 | 29.24 | -14.92 |
Net Cash Growth | 90.16% | 31.41% | -13.16% | 74.00% | - | - |
Net Cash Per Share | 12.67 | 8.63 | 6.58 | 7.60 | 4.37 | -2.23 |
Filing Date Shares Outstanding | 6.75 | 6.73 | 6.72 | 6.7 | 6.69 | 6.68 |
Total Common Shares Outstanding | 6.75 | 6.73 | 6.72 | 6.7 | 6.69 | 6.68 |
Book Value Per Share | 14.65 | 15.02 | 13.65 | 14.58 | 13.24 | 12.61 |
Tangible Book Value | 98.83 | 101.17 | 91.72 | 93.56 | 84.43 | 80.16 |
Tangible Book Value Per Share | 14.65 | 15.02 | 13.65 | 13.97 | 12.62 | 11.99 |