Summit State Bank (SSBI)

Summit State Bank Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Assets

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Equivalents	112.55	65.52	51.4	57.79	77.57	40.7
Investment Securities	62.44	66	68.65	85.07	84.41	62.37
Mortgage-Backed Securities	6.16	6.85	6.99	7.88	8.26	10.5
Total Investments	68.6	72.85	75.64	92.95	92.67	72.87
Gross Loans	760.68	848.29	921.34	956.25	931.01	833.32
Allowance for Loan Losses	-12.81	-14.49	-13.69	-15.22	-14.84	-12.33
Other Adjustments to Gross Loans	-1.77	-2.01	-2.57	-2.4	-2.47	-
Net Loans	746.1	831.79	905.08	938.63	913.71	820.99
Property, Plant & Equipment	6.13	6.29	6.39	6.24	6.82	6.86
Goodwill	-	-	-	4.12	4.12	4.12
Accrued Interest Receivable	3.06	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	15.16	11.49	11.15	10.43	9.74	2.83
Total Assets	959.78	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Bearing Deposits	529.09	566.93	635.37	681.47	498.09	469.2
Institutional Deposits	130.62	141.46	141.43	126.32	212.54	107.58
Non-Interest Bearing Deposits	186.42	182.72	185.76	201.91	252.03	234.82
Total Deposits	846.13	891.11	962.56	1,010	962.66	811.6
Current Portion of Leases	0.39	0.38	-	-	-	-
Accrued Interest Payable	0.4	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	0.98	1.14	1.29	0.99	1.42	1.23
Other Long-Term Liabilities	4.57	4.54	3.91	7.6	4.68	2.48
Total Liabilities	858.43	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Common Stock	38.04	37.95	37.74	37.47	37.18	37.01
Retained Earnings	70.04	69.67	62.87	68.96	61.39	47.64
Comprehensive Income & Other	-6.72	-6.45	-8.89	-8.75	-10.02	-0.38
Shareholders' Equity	101.36	101.17	91.72	97.68	88.55	84.28
Total Liabilities & Equity	959.78	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Total Debt	7.32	7.47	7.22	6.91	48.33	55.62
Net Cash (Debt)	105.23	58.06	44.18	50.88	29.24	-14.92
Net Cash Growth	77.16%	31.41%	-13.16%	74.00%	-	-
Net Cash Per Share	15.62	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	15.02	15.02	13.65	14.58	13.24	12.61
Tangible Book Value	101.36	101.17	91.72	93.56	84.43	80.16
Tangible Book Value Per Share	15.02	15.02	13.65	13.97	12.62	11.99

Data Source: S&P Global Market Intelligence Last updated: Jul 28, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 3, 2026

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