BlastPoint's Banking Scorecard
Summit State Bank
Santa Rosa, CA
5 branches across CA
Summit State Bank faces 7 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Constraint: Bottom 10.2% in tier
- - Deposit Outflow: Bottom 33.4% in tier
- - Delinquency Rate 3.35% above tier average
- - Nonperforming Asset Ratio 2.89% above tier average
- - ROA 0.60% below tier average
- - Net Interest Margin 0.13% below tier average
- - Efficiency Ratio 1.53% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$995.9M
-6.3% YoY
-0.9% QoQ
|
+$609.8M |
$386.1M
+0.5% YoY
|
$4.7B
+7.7% YoY
|
$6.2B
+9.1% YoY
|
Top 0.1% in tier |
| Total Loans ? |
$776.1M
-11.5% YoY
-6.7% QoQ
|
+$520.4M |
$255.7M
+1.1% YoY
|
$3.2B
+8.4% YoY
|
$3.2B
+10.8% YoY
|
Top 0.7% in tier |
| Total Deposits ? |
$879.3M
-8.1% YoY
-1.3% QoQ
|
+$551.3M |
$328.0M
+0.1% YoY
|
$3.9B
+7.0% YoY
|
$4.8B
+8.2% YoY
|
Top 0.1% in tier |
| Return on Assets ? |
0.67%
-28.5% YoY
+1.9% QoQ
|
-0.60% |
1.27%
+12.9% YoY
|
1.80%
+29.4% YoY
|
1.23%
+13.4% YoY
|
20% |
| Net Interest Margin ? |
3.80%
+19.1% YoY
+6.8% QoQ
|
-0.13% |
3.93%
+6.0% YoY
|
3.85%
+3.8% YoY
|
3.89%
+5.7% YoY
|
46% |
| Efficiency Ratio ? |
66.82%
-6.5% YoY
-0.6% QoQ
|
+1.53% |
65.29%
-4.5% YoY
|
68.78%
-8.1% YoY
|
66.95%
-4.1% YoY
|
40% |
| Delinquency Rate ? |
4.24%
+113.0% YoY
+40.6% QoQ
|
+3.35% |
0.89%
+18.8% YoY
|
1.17%
+69.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.1% in tier |
| Loan-to-Deposit Ratio ? |
88.27%
-3.7% YoY
-5.4% QoQ
|
+11.63% |
76.64%
+0.8% YoY
|
85.13%
+2.0% YoY
|
76.70%
+0.9% YoY
|
28% |
| Non-Interest-Bearing Deposit Share ? |
21.70%
+4.5% YoY
+5.8% QoQ
|
-0.32% |
22.02%
-1.0% YoY
|
25.15%
-3.9% YoY
|
22.01%
-1.2% YoY
|
53% |
| Nonperforming Asset Ratio ? |
3.53%
+71.6% YoY
+29.7% QoQ
|
+2.89% |
0.64%
+19.7% YoY
|
0.91%
+65.9% YoY
|
0.67%
+19.3% YoY
|
Bottom 1.9% in tier |
| Tier 1 Capital Ratio ? |
12.91%
+21.0% YoY
+7.4% QoQ
|
-2.92% |
15.83%
+1.5% YoY
|
21.08%
-3.4% YoY
|
17.06%
+0.8% YoY
|
46% |
| Non-Interest Income / Assets ? |
0.10%
+73.7% YoY
+405.9% QoQ
|
-0.18% |
0.28%
+9.3% YoY
|
0.70%
+11.6% YoY
|
0.32%
+4.1% YoY
|
49% |
Get Full Access to Summit State Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (2)
Capital Constraint
riskStrong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.