Comparing Summit State Bank and First National of Nebraska

Two finance companies with different market positions and performance metrics

Apr. 4, 2026 at 2:08pm

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First National of Nebraska (OTCMKTS:FINN) and Summit State Bank (NASDAQ:SSBI) are both finance companies, but they differ in terms of market volatility, institutional ownership, profitability, and other key metrics. This article compares the two companies to determine which is the superior business.

Why it matters

Investors looking to gain exposure to the finance sector may be interested in comparing these two companies to assess their relative strengths and decide which one aligns better with their investment goals and risk tolerance.

The details

First National of Nebraska has a beta of 0.14, meaning its share price is 86% less volatile than the S&P 500. Comparatively, Summit State Bank has a beta of 0.18, making its share price 82% less volatile than the broader market. First National of Nebraska also has stronger institutional ownership at 0.7% versus 41.7% for Summit State Bank. In terms of profitability, First National of Nebraska has higher net margins, return on equity, and return on assets than Summit State Bank.

  • The data and analysis in this article are current as of April 4, 2026.

The players

First National of Nebraska

A bank holding company that operates First National Bank of Omaha, providing a range of banking products and services including checking, savings, credit cards, loans, insurance, and wealth management.

Summit State Bank

A community bank that offers an array of financial services to small and medium-sized businesses, their owners and employees, entrepreneurs, high net worth families, foundations, estates, and individual consumers.

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The takeaway

This analysis highlights the differences in market positioning, financial performance, and risk profiles between First National of Nebraska and Summit State Bank. Investors will need to weigh these factors to determine which company better aligns with their investment objectives and risk tolerance.