BlastPoint's Banking Scorecard

Summit Bank

$100M-$1B Specialty: Commercial CA FDIC cert 23864

Oakland, CA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 53 in CA.
Deposits -6.6% year over year ($207.6M on the books).
Delinquency rate 1.53%.
Return on assets -3.45%.
Efficiency ratio 152.65% vs a 64.48% peer average.
Loan-to-deposit ratio 92.21% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 53 in CA

View $100M-$1B leaderboard (CA) →

Summit Bank has 1 strength but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Deposit Franchise: Top 23.4% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 7.7% in tier
- Efficiency Drag: Bottom 7.8% in tier
- Deposit Outflow: Bottom 14.0% in tier
- Liquidity Overhang: Bottom 20.6% in tier
- Capital Constraint: Bottom 59.8% in tier
- Return on Assets 4.78% below tier average
- Delinquency Rate 0.61% above tier average

Get updates when Summit Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Total Assets ?	$264.4M -5.4% YoY -2.1% QoQ	-$122.1M	$386.6M +1.2% YoY	$4.9B +8.2% YoY	$6.3B +7.7% YoY	39%
Total Loans ?	$191.4M -0.1% YoY -0.1% QoQ	-$66.9M	$258.3M +1.7% YoY	$3.3B +8.0% YoY	$3.2B +9.4% YoY	46%
Total Deposits ?	$207.6M -6.6% YoY -1.8% QoQ	-$119.1M	$326.7M +0.7% YoY	$4.0B +7.9% YoY	$4.9B +7.3% YoY	36%
Return on Assets ?	-3.45% -386.7% YoY -425.9% QoQ	-4.78%	1.32% +10.8% YoY	1.69% +23.4% YoY	1.30% +12.1% YoY	Bottom 0.4% in tier
Net Interest Margin ?	4.79% -9.6% YoY -1.3% QoQ	+0.81%	3.99% +5.0% YoY	3.84% +2.9% YoY	3.95% +4.9% YoY	Top 12.1% in tier
Efficiency Ratio ?	152.65% +143.2% YoY +122.1% QoQ	+88.17%	64.48% -3.2% YoY	64.67% -10.5% YoY	70.05% +2.5% YoY	Bottom 0.5% in tier
Delinquency Rate ?	1.53% -4.0% QoQ	+0.61%	0.92% +15.7% YoY	1.15% +46.6% YoY	0.98% +16.3% YoY	18%
Loan-to-Deposit Ratio ?	92.21% +6.9% YoY +1.8% QoQ	+14.26%	77.95% +1.0% YoY	86.69% +1.8% YoY	79.03% +2.3% YoY	22%
Non-Interest-Bearing Deposit Share ?	46.21% -1.0% YoY +3.1% QoQ	+24.18%	22.03% -0.6% YoY	25.07% -3.4% YoY	21.98% -0.6% YoY	Top 2.5% in tier
Nonperforming Asset Ratio ?	1.11% -1.9% QoQ	+0.44%	0.67% +16.4% YoY	0.91% +41.3% YoY	0.69% +15.8% YoY	18%
Tier 1 Capital Ratio ?	20.74% -9.3% YoY -9.4% QoQ	+4.83%	15.91% +1.4% YoY	20.69% -2.9% YoY	17.09% +0.8% YoY	Top 12.2% in tier
Non-Interest Income / Assets ?	0.13% +6.9% YoY +69.2% QoQ	-0.43%	0.57% +7.6% YoY	1.26% +3.5% YoY	0.66% +5.2% YoY	29%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Noninterest-Bearing	46.2% -0.4pp YoY +1.4pp QoQ	+24.1pp	22.1%	25.5%	22.2%	98%
Brokered Deposits	n/a	n/a	7.9%	11.0%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
C&I	15.0% +1.9pp YoY +0.9pp QoQ	+3.4pp	11.6%	11.8%	12.5%	76%
CRE	79.1% -2.0pp YoY -0.2pp QoQ	+39.5pp	39.5%	67.5%	41.4%	97%
1-4 Family	3.7% -1.7pp YoY -0.8pp QoQ	-28.9pp	32.6%	16.5%	31.3%	4%
Consumer	0.1% 0.0pp YoY 0.0pp QoQ	-4.0pp	4.1%	5.3%	5.0%	4%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
CET1 Ratio	20.7% -2.1pp YoY -2.2pp QoQ	+1.9pp	18.8%	23.7%	19.7%	80%
Leverage Ratio	16.4% -0.5pp YoY -1.6pp QoQ	+4.2pp	12.2%	14.5%	12.6%	91%
Total Capital Ratio	22.0% -2.1pp YoY -2.1pp QoQ	+2.1pp	19.9%	25.1%	20.8%	80%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Full-Time Employees	32 0 YoY 0 QoQ	-27	58	337	482	30%
Assets per Employee ($)	$8.3M -5.4% YoY -2.1% QoQ	+$746K	$7.5M	$11.3M	$8.8M	71%
Branch Count	4 +1 (+33.3%) YoY +1 (+33.3%) QoQ	-1	4	15	18	42%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	1.5% -0.1pp QoQ	+0.6pp	0.9%	1.4%	1.0%	82%
Allowance Coverage	2.05x +4.3% QoQ	-22.10x	24.15x	17.11x	20.23x	49%
Net Charge-off Rate (YTD)	0.7% +0.1pp QoQ	+0.6pp	0.1%	0.3%	0.2%	96%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (CA)	National Avg	Tier Percentile
ROE	-19.7% -26.9pp YoY -25.6pp QoQ	-31.9pp	12.2%	8.2%	11.6%	0%
Cost of Funds (YTD)	0.9% +0.1pp YoY +0.1pp QoQ	-0.8pp	1.7%	1.9%	1.7%	7%
Net Income ($, YTD)	$-4681000.0 -370.9% YoY — QoQ	-$7.2M	$2.6M	$28.5M	$40.4M	0%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Deposit Franchise

growth

#66 of 278 • Top 23.4% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 46.21%

(Tier: 22.03%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.79%

(Tier: 3.99%, National: 3.95%)

better than tier avg

278 of 278 Community banks match · 368 nationally

→ Stable -1 banks QoQ | QoQ rank declining

Concerns (5)

Liquidity Strain

risk

#54 of 691 • Bottom 7.7% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 92.21%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ | QoQ rank declining

Efficiency Drag

risk

#29 of 361 • Bottom 7.8% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 152.65%

(Tier: 64.48%, National: 70.05%)

worse than tier avg

361 of 361 Community banks match · 426 nationally

↓ Shrinking -64 banks QoQ

Deposit Outflow

decline

#76 of 535 • Bottom 14.0% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 banks QoQ | QoQ rank declining

Liquidity Overhang

risk

#154 of 742 • Bottom 20.6% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature

Tier 1 Capital Ratio: 20.74%

(Tier: 15.91%, National: 17.09%)

better than tier avg

Loan-to-Deposit Ratio: 92.21%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

742 of 742 Community banks match · 940 nationally

→ Stable +7 banks QoQ | QoQ rank declining

Capital Constraint

risk

#65 of 107 • Bottom 59.8% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 92.21%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 20.74%

(Tier: 15.91%, National: 17.09%)

better than tier avg

107 of 107 Community banks match · 143 nationally

→ Stable -5 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 46.21%

Peer Median: 22.03%

#66 of 2643 Top 2.5% in $100M-$1B

321

Net Interest Margin

profitability

Value: 4.79%

Peer Median: 3.99%

#321 of 2643 Top 12.1% in $100M-$1B

324

Tier 1 Capital Ratio

capital

Value: 20.74%

Peer Median: 15.91%

#324 of 2643 Top 12.2% in $100M-$1B

Top Weaknesses (5 metrics)

2634

Return on Assets

profitability

Value: -3.45%

Peer Median: 1.32%

#2634 of 2643 Bottom 0.4% in $100M-$1B

2632

Efficiency Ratio

profitability

Value: 152.65%

Peer Median: 64.48%

#2632 of 2643 Bottom 0.5% in $100M-$1B

2167

Nonperforming Asset Ratio

credit_quality

Value: 1.11%

Peer Median: 0.67%

#2167 of 2643 Bottom 18.0% in $100M-$1B

2156

Delinquency Rate

credit_quality

Value: 1.53%

Peer Median: 0.92%

#2156 of 2633 Bottom 18.2% in $100M-$1B

2071

Loan-to-Deposit Ratio

liquidity

Value: 92.21%

Peer Median: 77.95%

#2071 of 2643 Bottom 21.7% in $100M-$1B