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Summit State Bank

$100M-$1B Specialty: Commercial CA FDIC cert 32203

Santa Rosa, CA

4 branches across 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 -8.3% year over year ($846.1M on the books).
  • Delinquency rate 2.47%.
  • Return on assets 0.07%.
  • Efficiency ratio 64.01% vs a 64.48% peer average.
  • Loan-to-deposit ratio 88.18% 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 State Bank has 1 strength but faces 6 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

  • + Efficiency Ratio 0.47% below tier average

Key Concerns

Areas that may need attention

  • - Capital Constraint: Bottom 10.3% in tier
  • - Deposit Outflow: Bottom 30.5% in tier
  • - Return on Assets 1.25% below tier average
  • - Delinquency Rate 1.56% above tier average
  • - Nonperforming Asset Ratio 1.49% above tier average
  • - Net Interest Margin 0.07% below tier average
Get updates when Summit State 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 ? $959.8M
-7.0% YoY -3.6% QoQ
+$573.2M $386.6M
+1.2% YoY
$4.9B
+8.2% YoY
$6.3B
+7.7% YoY
Top 1.3% in tier
Total Loans ? $746.1M
-12.7% YoY -3.9% QoQ
+$487.8M $258.3M
+1.7% YoY
$3.3B
+8.0% YoY
$3.2B
+9.4% YoY
Top 1.1% in tier
Total Deposits ? $846.1M
-8.3% YoY -3.8% QoQ
+$519.4M $326.7M
+0.7% YoY
$4.0B
+7.9% YoY
$4.9B
+7.3% YoY
Top 0.7% in tier
Return on Assets ? 0.07%
-92.0% YoY -88.9% QoQ
-1.25% 1.32%
+10.8% YoY
1.69%
+23.4% YoY
1.30%
+12.1% YoY
Bottom 4.0% in tier
Net Interest Margin ? 3.92%
+13.2% YoY +3.1% QoQ
-0.07% 3.99%
+5.0% YoY
3.84%
+2.9% YoY
3.95%
+4.9% YoY
49%
Efficiency Ratio ? 64.01%
-6.9% YoY -4.2% QoQ
-0.47% 64.48%
-3.2% YoY
64.67%
-10.5% YoY
70.05%
+2.5% YoY
45%
Delinquency Rate ? 2.47%
+126.9% YoY -41.6% QoQ
+1.56% 0.92%
+15.7% YoY
1.15%
+46.6% YoY
0.98%
+16.3% YoY
Bottom 8.9% in tier
Loan-to-Deposit Ratio ? 88.18%
-4.9% YoY -0.1% QoQ
+10.23% 77.95%
+1.0% YoY
86.69%
+1.8% YoY
79.03%
+2.3% YoY
30%
Non-Interest-Bearing Deposit Share ? 22.03%
+5.1% YoY +1.5% QoQ
+0.00% 22.03%
-0.6% YoY
25.07%
-3.4% YoY
21.98%
-0.6% YoY
55%
Nonperforming Asset Ratio ? 2.16%
+62.3% YoY -38.8% QoQ
+1.49% 0.67%
+16.4% YoY
0.91%
+41.3% YoY
0.69%
+15.8% YoY
Bottom 6.2% in tier
Tier 1 Capital Ratio ? 13.10%
+17.3% YoY +1.5% QoQ
-2.81% 15.91%
+1.4% YoY
20.69%
-2.9% YoY
17.09%
+0.8% YoY
49%
Non-Interest Income / Assets ? 0.19%
+145.9% YoY +98.1% QoQ
-0.38% 0.57%
+7.6% YoY
1.26%
+3.5% YoY
0.66%
+5.2% YoY
47%

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 22.0%
+1.1pp YoY
+0.3pp QoQ
 -0.1pp 22.1% 25.5% 22.2% 54%
Brokered Deposits 6.1%
+3.2pp YoY
+0.8pp QoQ
 -1.8pp 7.9% 11.0% 8.5% 59%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
C&I 7.0%
+0.8pp YoY
+0.8pp QoQ
 -4.6pp 11.6% 11.8% 12.5% 33%
CRE 81.2%
-0.8pp YoY
-0.3pp QoQ
 +41.6pp 39.5% 67.5% 41.4% 98%
1-4 Family 5.7%
-0.1pp YoY
-0.1pp QoQ
 -27.0pp 32.6% 16.5% 31.3% 6%
Consumer 0.6%
+0.6pp YoY
+0.2pp QoQ
 -3.5pp 4.1% 5.3% 5.0% 19%

Capital

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
CET1 Ratio 13.1%
+1.9pp YoY
+0.2pp QoQ
 -5.7pp 18.8% 23.7% 19.7% 29%
Leverage Ratio 10.8%
+1.0pp YoY
+0.2pp QoQ
 -1.3pp 12.2% 14.5% 12.6% 47%
Total Capital Ratio 14.8%
+1.9pp YoY
+0.2pp QoQ
 -5.1pp 19.9% 25.1% 20.8% 36%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
Full-Time Employees 106
0 YoY
+3 (+2.9%) QoQ
 +47 58 337 482 89%
Assets per Employee ($) $9.1M
-7.0% YoY
-6.4% QoQ
 +$1.5M $7.5M $11.3M $8.8M 80%
Branch Count 4
-1 (-20.0%) YoY
0 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 2.5%
+1.4pp YoY
-1.8pp QoQ
 +1.5pp 0.9% 1.4% 1.0% 91%
Allowance Coverage 0.69x
-50.7% YoY
+46.8% QoQ
 -23.46x 24.15x 17.11x 20.23x 17%
Net Charge-off Rate (YTD) 2.2%
+2.2pp YoY
 +2.0pp 0.1% 0.3% 0.2% 99%

Profitability

Metric Current vs Tier Tier Avg State Avg (CA) National Avg Tier Percentile
ROE 0.7%
-9.6pp YoY
-5.9pp QoQ
 -11.5pp 12.2% 8.2% 11.6% 4%
Cost of Funds (YTD) 2.1%
-0.4pp YoY
0.0pp QoQ
 +0.4pp 1.7% 1.9% 1.7% 75%
Net Income ($, YTD) $367,000
-92.5% YoY
— QoQ
 -$2.2M $2.6M $28.5M $40.4M 8%

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 (0)

No matched strength signatures this quarter

Concerns (2)

Capital Constraint

risk
#12 of 107 • Bottom 10.3% 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: 88.18%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
Tier 1 Capital Ratio: 13.10%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
107 of 107 Community banks match · 143 nationally
→ Stable -5 banks QoQ

Deposit Outflow

decline
#164 of 535 • Bottom 30.5% 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 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

20
Total Deposits
size
Value: $846.13M
Peer Median: $326.73M
#20 of 2643 Top 0.7% in $100M-$1B
31
Total Loans
size
Value: $746.10M
Peer Median: $258.35M
#31 of 2643 Top 1.1% in $100M-$1B
35
Total Assets
size
Value: $959.78M
Peer Median: $386.57M
#35 of 2643 Top 1.3% in $100M-$1B

Top Weaknesses (3 metrics)

2538
Return on Assets
profitability
Value: 0.07%
Peer Median: 1.32%
#2538 of 2643 Bottom 4.0% in $100M-$1B
2480
Nonperforming Asset Ratio
credit_quality
Value: 2.16%
Peer Median: 0.67%
#2480 of 2643 Bottom 6.2% in $100M-$1B
2399
Delinquency Rate
credit_quality
Value: 2.47%
Peer Median: 0.92%
#2399 of 2633 Bottom 8.9% in $100M-$1B
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