Summit State Bank (SSBI) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 9.05M | 8.97M | 8.54M | 9.1M | 7.95M | 7.57M | 7.14M | 6.97M | 7.28M | 7.71M | 7.8M | 9.58M | 9.95M | 11.15M | 10.92M | 10.23M | 9.82M | 9.79M | 9.51M | 8.91M |
| NII Growth % | 13.81% | 18.46% | 19.48% | 30.65% | 9.21% | -1.7% | -8.45% | -27.32% | -26.86% | -30.91% | -28.56% | -6.34% | 1.36% | 13.95% | 14.81% | 14.78% | 7.32% | 11.44% | 23.61% | 25.79% |
| Net Interest Margin % | 0.91% | 0.89% | 0.85% | 0.88% | 0.75% | 0.71% | 0.64% | 0.64% | 0.67% | 0.69% | 0.68% | 0.83% | 0.87% | 1% | 1.05% | 1.04% | 1% | 1.02% | 1.03% | 0.99% |
| Interest Income | 14.04M | 14.44M | 14.09M | 15.1M | 14.41M | 14.81M | 14.85M | 14.24M | 14.35M | 14.91M | 14.8M | 15.54M | 14.56M | 14.09M | 12.47M | 11.28M | 10.81M | 10.81M | 10.53M | 10.02M |
| Interest Expense | 5M | 5.46M | 5.55M | 6M | 6.46M | 7.23M | 7.71M | 7.28M | 7.07M | 7.21M | 7M | 5.96M | 4.61M | 2.94M | 1.55M | 1.04M | 997K | 1.03M | 1.02M | 1.11M |
| Loan Loss Provision | 1.05M | 476K | 2.76M | -55K | -615K | 6.72M | 1.31M | -20K | -80K | -96K | -32K | 35K | 367K | 662K | 770K | 998K | 111K | 959K | 0 | 0 |
| Non-Interest Income | 1.01M | -1.4M | 1.04M | 391K | 776K | 597K | 1.18M | 929K | 1.08M | 65K | 1.6M | 1.53M | 2.04M | 1.94M | 1.12M | 2.42M | 2.02M | 870K | 1.43M | 1.66M |
| Non-Interest Income % | 6.72% | -10.76% | 6.86% | 2.52% | 5.11% | 3.88% | 7.34% | 6.12% | 6.98% | 0.43% | 9.74% | 8.96% | 12.31% | 12.08% | 8.27% | 17.69% | 15.74% | 7.45% | 11.96% | 14.2% |
| Total Revenue | 15.06M | 13.03M | 15.13M | 15.49M | 15.19M | 15.4M | 16.03M | 15.17M | 15.43M | 14.98M | 16.4M | 17.07M | 16.61M | 16.03M | 13.6M | 13.7M | 12.83M | 11.68M | 11.96M | 11.68M |
| Revenue Growth % | -0.87% | -15.39% | -5.6% | 2.12% | -1.54% | 2.85% | -2.28% | -11.14% | -7.13% | -6.55% | 20.62% | 24.63% | 29.41% | 37.18% | 13.68% | 17.3% | 15.59% | 8.35% | 15.47% | 22.82% |
| Non-Interest Expense | 6.74M | 5.74M | 5.54M | 6.3M | 6.25M | 9.99M | 6.18M | 6.63M | 6.4M | 5.16M | 6.93M | 6.82M | 5.82M | 6.1M | 5.53M | 5.3M | 6.29M | 4.46M | 5.55M | 5.04M |
| Efficiency Ratio | 44.75% | 44.06% | 36.65% | 40.7% | 41.17% | 64.83% | 38.57% | 43.68% | 41.49% | 34.45% | 42.23% | 39.96% | 35.03% | 38.06% | 40.7% | 38.67% | 48.98% | 38.16% | 46.4% | 43.13% |
| Operating Income | 2.27M | 1.35M | 1.27M | 3.24M | 3.1M | -8.54M | 828K | 1.28M | 2.04M | 2.71M | 2.51M | 4.26M | 5.81M | 6.33M | 5.74M | 6.36M | 5.44M | 5.24M | 5.39M | 5.54M |
| Operating Margin % | 15.1% | 10.37% | 8.4% | 20.93% | 20.4% | -55.44% | 5.17% | 8.46% | 13.23% | 18.07% | 15.29% | 24.93% | 34.99% | 39.47% | 42.25% | 46.42% | 42.39% | 44.85% | 45.1% | 47.4% |
| Operating Income Growth % | -26.65% | 115.82% | 53.5% | 152.49% | 51.91% | -415.48% | -66.97% | -69.83% | -64.89% | -57.21% | -56.35% | -33.08% | 6.82% | 20.73% | 6.49% | 14.88% | 15.5% | 25.96% | 28.61% | 75.69% |
| Pretax Income | 2.27M | 1.35M | 1.27M | 3.24M | 3.1M | -8.54M | 828K | 1.28M | 2.04M | 2.71M | 2.51M | 4.26M | 5.81M | 6.33M | 5.74M | 6.36M | 5.44M | 5.24M | 5.39M | 5.54M |
| Pretax Margin % | 15.1% | 10.37% | 8.4% | 20.93% | 20.4% | -55.44% | 5.17% | 8.46% | 13.23% | 18.07% | 15.29% | 24.93% | 34.99% | 39.47% | 42.25% | 46.42% | 42.39% | 44.85% | 45.1% | 47.4% |
| Income Tax | 599K | 284K | 453K | 825K | 605K | -1.4M | 202K | 356K | 645K | 807K | 686K | 1.27M | 1.7M | 1.77M | 1.76M | 1.86M | 1.5M | 1.55M | 1.6M | 1.64M |
| Effective Tax Rate % | 26.35% | 21.02% | 35.64% | 25.45% | 19.52% | 16.37% | 24.4% | 27.73% | 31.62% | 29.81% | 27.36% | 29.86% | 29.17% | 28.03% | 30.73% | 29.23% | 27.67% | 29.64% | 29.63% | 29.59% |
| Net Income | 1.67M | 1.07M | 818K | 2.42M | 2.49M | -7.14M | 626K | 928K | 1.4M | 1.9M | 1.82M | 2.98M | 4.12M | 4.55M | 3.98M | 4.5M | 3.94M | 3.69M | 3.8M | 3.9M |
| Net Margin % | 11.12% | 8.19% | 5.41% | 15.6% | 16.42% | -46.36% | 3.91% | 6.12% | 9.04% | 12.69% | 11.1% | 17.48% | 24.78% | 28.41% | 29.27% | 32.85% | 30.66% | 31.56% | 31.74% | 33.38% |
| Net Income Growth % | -32.88% | 114.94% | 30.67% | 160.45% | 78.78% | -475.89% | -65.62% | -68.91% | -66.11% | -58.27% | -54.23% | -33.68% | 4.6% | 23.49% | 4.82% | 15.47% | 18.63% | 25.88% | 28.5% | 75.74% |
| Net Income (Continuing) | 1.67M | 1.07M | 818K | 2.42M | 2.49M | -7.14M | 626K | 928K | 1.4M | 1.9M | 1.82M | 2.98M | 4.12M | 4.55M | 3.98M | 4.5M | 3.94M | 3.69M | 3.8M | 3.9M |
| EPS (Diluted) | 0.25 | 0.16 | 0.12 | 0.36 | 0.37 | -1.06 | 0.09 | 0.14 | 0.21 | 0.28 | 0.27 | 0.45 | 0.62 | 0.68 | 0.59 | 0.67 | 0.59 | 0.55 | 0.57 | 0.58 |
| EPS Growth % | -32.43% | 115.09% | 28.76% | 157.14% | 76.19% | -478.57% | -65.48% | -68.89% | -66.13% | -58.82% | -54.24% | -32.84% | 5.08% | 23.64% | 3.51% | 15.52% | 18% | 14.58% | 26.67% | 70.59% |
| EPS (Basic) | 0.25 | 0.16 | 0.12 | 0.36 | 0.37 | -1.06 | 0.09 | 0.14 | 0.21 | 0.28 | 0.27 | 0.45 | 0.62 | 0.68 | 0.59 | 0.67 | 0.59 | 0.55 | 0.57 | 0.58 |
| Diluted Shares Outstanding | 6.73M | 6.73M | 6.73M | 6.73M | 6.72M | 6.72M | 6.72M | 6.72M | 6.7M | 6.7M | 6.71M | 6.7M | 6.69M | 6.69M | 6.69M | 6.69M | 6.68M | 6.68M | 6.68M | 6.68M |