BlastPoint's Banking Scorecard
Summit Bank
Oakland, CA
3 branches across CA
Summit Bank has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 18.8% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 4.5% in tier
- - Deposit Outflow: Bottom 13.8% in tier
- - Liquidity Overhang: Bottom 14.6% in tier
- - Cost Spiral: Bottom 66.7% in tier
- - Capital Constraint: Bottom 67.6% in tier
- - ROA 0.21% below tier average
- - Delinquency Rate 0.71% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$270.2M
-5.9% YoY
-3.1% QoQ
|
-$115.9M |
$386.1M
+0.5% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
40% |
| Total Loans ? |
$191.5M
-1.3% YoY
+3.5% QoQ
|
-$64.2M |
$255.7M
+1.1% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
47% |
| Total Deposits ? |
$211.5M
-8.1% YoY
-4.0% QoQ
|
-$116.5M |
$328.0M
+0.1% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
37% |
| Return on Assets ? |
1.06%
-15.1% YoY
-0.5% QoQ
|
-0.21% |
1.27%
+12.9% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
41% |
| Net Interest Margin ? |
4.85%
-7.8% YoY
-7.0% QoQ
|
+0.92% |
3.93%
+6.0% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
Top 9.6% in tier |
| Efficiency Ratio ? |
68.73%
+12.1% YoY
+0.8% QoQ
|
+3.45% |
65.29%
-4.5% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
35% |
| Delinquency Rate ? |
1.59%
+48.8% QoQ
|
+0.71% |
0.89%
+18.8% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
17% |
| Loan-to-Deposit Ratio ? |
90.57%
+7.4% YoY
+7.9% QoQ
|
+13.94% |
76.64%
+0.8% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
23% |
| Non-Interest-Bearing Deposit Share ? |
44.81%
-1.3% YoY
-7.0% QoQ
|
+22.79% |
22.02%
-1.0% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
Top 2.9% in tier |
| Nonperforming Asset Ratio ? |
1.13%
+58.9% QoQ
|
+0.49% |
0.64%
+19.7% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
17% |
| Tier 1 Capital Ratio ? |
22.89%
+5.6% YoY
-2.1% QoQ
|
+7.05% |
15.83%
+1.5% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
Top 8.8% in tier |
| Non-Interest Income / Assets ? |
0.08%
+33.6% YoY
-68.5% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
38% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (5)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Cost Spiral
riskHistorically lean operator (efficiency < 75%) now seeing 5+ point efficiency ratio increase YoY despite strong profitability. Efficiency advantage eroding.
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.