Summit State Bank (SSBI)

Summit State Bank Income Statement

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

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Interest Income on Loans	50.25	53.75	53.57	52.56	46.12	40.19
Interest Income on Investments	5.64	4.68	5.19	7.68	2.83	1.78
Total Interest Income	55.89	58.43	58.76	60.24	48.96	41.97
Interest Paid on Deposits	18.95	22.73	28.5	24.23	4.94	3.21
Interest Paid on Borrowings	0.63	0.75	0.79	0.55	1.59	1.16
Total Interest Expense	19.58	23.48	29.29	24.78	6.53	4.37
Net Interest Income	36.31	34.95	29.48	35.46	42.43	37.61
Net Interest Income Growth	7.84%	18.56%	-16.88%	-16.42%	12.82%	24.27%
Gain (Loss) on Sale of Investments	-0	-0.01	0.01	-	0	0.07
Other Non-Interest Income	-1.1	-1.29	0.41	1.85	0.79	0.64
Total Non-Interest Income	1.25	0.39	3.46	5.2	7.5	4.9
Non-Interest Income Growth	-49.56%	-88.67%	-33.49%	-30.61%	52.93%	10.18%
Revenues Before Loan Losses	37.56	35.34	32.94	40.66	49.92	42.51
Provision for Loan Losses	13.12	2.53	7.92	0.33	2.54	1.29
Revenue	24.45	32.81	25.02	40.33	47.38	41.21
Revenue Growth	-10.70%	31.13%	-37.96%	-14.88%	14.97%	26.38%
Salaries and Employee Benefits	14.16	13.82	16.05	15.38	14.04	12.26
Occupancy Expenses	1	1.22	1.29	1.24	1.29	1.24
Selling, General & Administrative	2.32	2.32	1.03	1.77	2.53	1.82
Other Non-Interest Expense	6.94	6.48	6.92	6.66	5.66	5.02
Total Non-Interest Expense	24.43	23.85	25.29	25.05	23.51	20.33
EBT Excluding Unusual Items	0.02	8.96	-0.27	15.28	23.87	20.88
Pretax Income	0.02	8.96	-4.39	15.28	23.87	20.88
Income Tax Expense	-0.32	2.17	-0.2	4.46	6.9	6.18
Net Income	0.34	6.8	-4.19	10.82	16.97	14.7
Net Income to Common	0.34	6.8	-4.19	10.82	16.97	14.7
Net Income Growth	-	-	-	-36.22%	15.44%	39.76%
Basic Shares Outstanding	7	7	7	7	7	7
Diluted Shares Outstanding	7	7	7	7	7	7
Shares Change	0.16%	0.25%	0.23%	0.16%	0.07%	0.03%
EPS (Basic)	0.05	1.01	-0.62	1.62	2.54	2.20
EPS (Diluted)	0.05	1.01	-0.62	1.62	2.54	2.20
EPS Growth	-	-	-	-36.30%	15.34%	40.13%

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share	-	-	0.280	0.480	0.480	0.480
Dividend Growth	-	-	-41.67%	0%	0%	0%
Effective Tax Rate	-	24.18%	-	29.18%	28.92%	29.61%

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 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:

Nov 2, 2026

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