BlastPoint's Banking Scorecard
Summit Bank
Designations: ✓ Community bank
Eugene, OR
5 branches across OR
Summit Bank has 4 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.86% above tier average
- + ROA 0.06% above tier average
- + Efficiency Ratio 7.96% below tier average
- + Delinquency Rate 0.24% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 25.5% in tier
- - Capital Thin: Bottom 49.3% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.4B
+5.3% YoY
+5.7% QoQ
|
-$1.5B |
$2.8B
-0.1% YoY
|
$5.7B
+33.4% YoY
|
$6.2B
+9.1% YoY
|
26% |
| Total Loans ? |
$1.1B
+5.0% YoY
+1.4% QoQ
|
-$847.9M |
$2.0B
+0.6% YoY
|
$4.1B
+32.8% YoY
|
$3.2B
+10.8% YoY
|
39% |
| Total Deposits ? |
$1.2B
+4.3% YoY
+6.1% QoQ
|
-$1.2B |
$2.3B
-0.3% YoY
|
$4.7B
+32.1% YoY
|
$4.8B
+8.2% YoY
|
30% |
| Return on Assets ? |
1.43%
+47.4% YoY
+21.6% QoQ
|
+0.06% |
1.37%
+19.6% YoY
|
1.04%
+38.9% YoY
|
1.23%
+13.4% YoY
|
66% |
| Net Interest Margin ? |
4.68%
+3.3% YoY
-0.3% QoQ
|
+0.86% |
3.82%
+6.9% YoY
|
4.00%
+9.5% YoY
|
3.89%
+5.7% YoY
|
Top 8.6% in tier |
| Efficiency Ratio ? |
53.10%
-4.6% YoY
-3.8% QoQ
|
-7.96% |
61.06%
-4.6% YoY
|
68.69%
-8.8% YoY
|
66.95%
-4.1% YoY
|
69% |
| Delinquency Rate ? |
0.65%
+804.5% YoY
+86.5% QoQ
|
-0.24% |
0.89%
+14.1% YoY
|
0.86%
+80.8% YoY
|
0.95%
+18.8% YoY
|
44% |
| Loan-to-Deposit Ratio ? |
93.88%
+0.7% YoY
-4.4% QoQ
|
+9.68% |
84.20%
+0.3% YoY
|
77.62%
+0.2% YoY
|
76.70%
+0.9% YoY
|
27% |
| Non-Interest-Bearing Deposit Share ? |
16.16%
+10.7% YoY
-1.8% QoQ
|
-5.13% |
21.29%
-2.5% YoY
|
23.66%
-0.4% YoY
|
22.01%
-1.2% YoY
|
33% |
| Nonperforming Asset Ratio ? |
0.53%
+801.9% YoY
+78.9% QoQ
|
-0.14% |
0.67%
+15.6% YoY
|
0.62%
+95.5% YoY
|
0.67%
+19.3% YoY
|
42% |
| Tier 1 Capital Ratio ? |
11.38%
+9.3% YoY
+4.2% QoQ
|
-3.78% |
15.16%
+2.0% YoY
|
15.70%
+2.5% YoY
|
17.06%
+0.8% YoY
|
21% |
| Non-Interest Income / Assets ? |
0.06%
+316.4% YoY
-61.2% QoQ
|
-0.20% |
0.26%
+1.6% YoY
|
0.15%
-3.7% YoY
|
0.32%
+4.1% YoY
|
Bottom 11.9% in tier |
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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 (0)
Concerns (2)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.