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Extra Everything: The Story of Chipotle
Chipotle's story from a single restaurant to a nationwide chain, through crisis and turnaround, built on one of the strongest models in the industry.
Summit State Bank
Summit State Bank (SSBI) investor relations material
Summit State Bank Q1 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q1 2026 earnings summary28 Apr, 2026
Executive summary
Net income for Q1 2026 was $1.67M ($0.25 per diluted share), down from $2.49M ($0.37 per share) in Q1 2025, but up from $1.07M ($0.16 per share) in Q4 2025.
Pre-tax, pre-provision income rose to $3.32M, up from $2.47M in Q1 2025 and $1.83M in Q4 2025, reflecting improved core earnings.
Net interest margin expanded to 3.77% from 3.19% a year ago and 3.62% last quarter, driven by liability structure improvements and loan repricing.
Noninterest income increased to $1.01M, mainly due to higher gains on SBA loan sales.
The bank continued to manage its balance sheet, reducing loans and deposits to improve capital ratios and liquidity.
Financial highlights
Net income: $1.67M in Q1 2026 vs. $2.49M in Q1 2025 and $1.07M in Q4 2025.
Net interest income: $9.05M in Q1 2026 vs. $8.08M in Q1 2025.
Noninterest income: $1.01M in Q1 2026 vs. $646K in Q1 2025.
Operating expenses increased to $6.74M from $6.25M a year ago, mainly due to higher employee benefits.
Book value per share rose to $15.16 from $14.07 a year ago.
Outlook and guidance
Management remains focused on sustaining margin improvements and credit quality.
The bank is confident in its ability to build on recent progress, with a proactive approach to credit risk.
Forward-looking statements caution that results may differ due to economic and market uncertainties.
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Latest events from Summit State Bank
- Q4 2025 net income of $1.07M marks a return to profitability and improved asset quality.SSBI
Q4 202530 Jan 2026 - Earnings improved year-over-year, but nonperforming assets rose and dividend was suspended.SSBIQ3 202524 Nov 2025
- Net income surged as margin expanded, nonperforming assets declined, and capital remained strong.SSBIQ2 20259 Oct 2025
- Q1 2025 net income rose to $2.5M, with stronger margins and lower non-performing assets.SSBIQ1 20259 Oct 2025
- Net income and margins declined on higher funding costs and credit loss provisions, but capital remains solid.SSBIQ3 20249 Oct 2025
- Earnings fell on higher funding costs and rising nonperforming assets, but capital remains strong.SSBIQ2 20249 Oct 2025
- Q4 2024 loss driven by credit charges and goodwill write-off, but asset quality is improving.SSBIQ4 20245 Jun 2025
Next Summit State Bank earnings date
Q2 202628 Jul, 2026
Summit State Bank
Next Summit State Bank earnings date
Q2 202628 Jul, 2026
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Leroy DaleyApp Store
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Eferix Drawings Google Play
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@ankurshah47_ x.com
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Amina0781App Store
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