Summit State Bank (SSBI) — Financial Flexibility Index
Summit State Bank (SSBI) has a Financial Flexibility Index of 0.00x as of December 2025. Free cash flow of $2.67 Million (operating CF $2.65 Million minus capex $20.00K) represents 0% of total liabilities ($903.41 Million). Check Summit State Bank (SSBI) total reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Summit State Bank Financial Flexibility Index (2003–2025)
Historical Financial Flexibility Index trend for Summit State Bank across 23 annual periods. For the full cash flow conversion analysis, see Summit State Bank cash conversion from operations.
Annual Financial Flexibility Index for Summit State Bank (2003–2025)
Year-by-year free cash flow to debt coverage for Summit State Bank. Explore Summit State Bank cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | $6.64 Million | $6.59 Million | $903.41 Million | ▲ +17.9% |
| 2024 | 0.01x | $6.08 Million | $5.85 Million | $975.37 Million | ▲ +398.6% |
| 2023 | 0.00x | $-2.14 Million | $-2.38 Million | $1.02 Billion | ▼ -115.4% |
| 2022 | 0.01x | $13.89 Million | $13.72 Million | $1.03 Billion | ▼ -77.3% |
| 2021 | 0.06x | $52.12 Million | $52.02 Million | $873.80 Million | ▲ +1126.1% |
| 2020 | 0.00x | $3.84 Million | $3.72 Million | $790.23 Million | ▼ -40.4% |
| 2019 | 0.01x | $5.13 Million | $4.14 Million | $628.63 Million | ▼ -0.9% |
| 2018 | 0.01x | $4.62 Million | $3.75 Million | $560.58 Million | ▲ +2.1% |
| 2017 | 0.01x | $4.45 Million | $4.24 Million | $551.19 Million | ▼ -32.6% |
| 2016 | 0.01x | $5.45 Million | $5.22 Million | $455.08 Million | ▲ +18.6% |
| 2015 | 0.01x | $4.60 Million | $4.52 Million | $456.04 Million | ▼ -29.1% |
| 2014 | 0.01x | $5.59 Million | $4.86 Million | $392.10 Million | ▼ -23.8% |
| 2013 | 0.02x | $7.34 Million | $6.38 Million | $392.44 Million | ▼ -17.6% |
| 2012 | 0.02x | $8.67 Million | $8.53 Million | $382.03 Million | ▲ +6.0% |
| 2011 | 0.02x | $6.99 Million | $6.80 Million | $326.62 Million | ▼ -6.2% |
| 2010 | 0.02x | $6.68 Million | $6.33 Million | $292.62 Million | ▲ +14.0% |
| 2009 | 0.02x | $5.71 Million | $4.95 Million | $284.89 Million | ▲ +4.6% |
| 2008 | 0.02x | $5.92 Million | $5.66 Million | $309.03 Million | ▲ +21.2% |
| 2007 | 0.02x | $4.62 Million | $3.48 Million | $292.48 Million | ▲ +92.7% |
| 2006 | 0.01x | $2.17 Million | $1.94 Million | $265.14 Million | ▼ -53.4% |
| 2005 | 0.02x | $5.60 Million | $4.87 Million | $318.70 Million | ▼ -25.4% |
| 2004 | 0.02x | $5.24 Million | $4.32 Million | $222.39 Million | ▲ +36.5% |
| 2003 | 0.02x | $3.61 Million | $2.05 Million | $209.11 Million | — |