BlastPoint's Banking Scorecard
Summit Bank
Designations: ✓ Community bank
Eugene, OR
5 branches across OR
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 885 banks in the $1B-$10B peer group nationwide — 1 of 1 in OR.
- Deposits +5.5% year over year ($1.2B on the books).
- Delinquency rate 0.52%.
- Return on assets 1.36%.
- Efficiency ratio 53.51% vs a 59.73% peer average.
- Loan-to-deposit ratio 98.49% vs a 85.04% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Summit Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.88% above tier average
- + Efficiency Ratio 6.22% below tier average
- + Delinquency Rate 0.34% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 45.7% in tier
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+6.6% YoY
-1.6% QoQ
|
-$1.5B |
$2.8B
-0.6% YoY
|
$5.7B
+22.7% YoY
|
$6.3B
+7.7% YoY
|
25% |
| Total Loans ? |
$1.1B
+5.4% YoY
+2.5% QoQ
|
-$818.6M |
$2.0B
-0.3% YoY
|
$4.0B
+22.6% YoY
|
$3.2B
+9.4% YoY
|
40% |
| Total Deposits ? |
$1.2B
+5.5% YoY
-2.3% QoQ
|
-$1.2B |
$2.3B
-0.5% YoY
|
$4.6B
+21.5% YoY
|
$4.9B
+7.3% YoY
|
27% |
| Return on Assets ? |
1.36%
+31.1% YoY
-4.7% QoQ
|
-0.03% |
1.39%
+17.0% YoY
|
1.08%
+20.6% YoY
|
1.30%
+12.1% YoY
|
59% |
| Net Interest Margin ? |
4.75%
+2.4% YoY
+1.5% QoQ
|
+0.88% |
3.87%
+6.2% YoY
|
4.07%
+6.4% YoY
|
3.95%
+4.9% YoY
|
Top 8.1% in tier |
| Efficiency Ratio ? |
53.51%
-3.1% YoY
+0.8% QoQ
|
-6.22% |
59.73%
-12.6% YoY
|
67.33%
-5.7% YoY
|
70.05%
+2.5% YoY
|
67% |
| Delinquency Rate ? |
0.52%
-18.9% QoQ
|
-0.34% |
0.87%
+11.7% YoY
|
0.89%
+33.0% YoY
|
0.98%
+16.3% YoY
|
50% |
| Loan-to-Deposit Ratio ? |
98.49%
-0.1% YoY
+4.9% QoQ
|
+13.45% |
85.04%
-0.1% YoY
|
79.79%
+0.1% YoY
|
79.03%
+2.3% YoY
|
18% |
| Non-Interest-Bearing Deposit Share ? |
17.63%
+11.0% YoY
+9.0% QoQ
|
-3.65% |
21.27%
-1.5% YoY
|
23.65%
+0.1% YoY
|
21.98%
-0.6% YoY
|
38% |
| Nonperforming Asset Ratio ? |
0.45%
-15.6% QoQ
|
-0.22% |
0.67%
+11.7% YoY
|
0.61%
+33.6% YoY
|
0.69%
+15.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
11.34%
+4.7% YoY
-0.4% QoQ
|
-3.51% |
14.84%
-0.4% YoY
|
15.47%
+2.0% YoY
|
17.09%
+0.8% YoY
|
23% |
| Non-Interest Income / Assets ? |
0.12%
+140.3% YoY
+106.6% QoQ
|
-0.41% |
0.53%
+2.5% YoY
|
0.29%
-8.1% YoY
|
0.66%
+5.2% YoY
|
Bottom 12.5% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
17.6%
+1.8pp YoY +1.5pp QoQ |
-3.7pp | 21.4% | 23.6% | 22.2% | 37% |
| Brokered Deposits |
4.4%
+1.1pp YoY -1.5pp QoQ |
-5.1pp | 9.5% | 2.9% | 8.5% | 45% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
28.9%
-2.2pp YoY -1.2pp QoQ |
+14.9pp | 14.0% | 11.0% | 12.5% | 91% |
| CRE |
69.9%
+1.8pp YoY +0.7pp QoQ |
+19.9pp | 50.0% | 62.1% | 41.4% | 87% |
| 1-4 Family |
2.4%
+0.4pp YoY +0.5pp QoQ |
-24.1pp | 26.4% | 17.1% | 31.3% | 4% |
| Consumer |
0.1%
0.0pp YoY 0.0pp QoQ |
-4.6pp | 4.7% | 1.0% | 5.0% | 13% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 15.6% | 18.9% | 19.7% | n/a |
| Leverage Ratio |
11.3%
+0.5pp YoY 0.0pp QoQ |
0.0pp | 11.3% | 12.5% | 12.6% | 67% |
| Total Capital Ratio | n/a | n/a | 16.7% | 20.0% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
148
+18 (+13.8%) YoY +9 (+6.5%) QoQ |
-166 | 313 | 526 | 482 | 21% |
| Assets per Employee ($) |
$9.0M
-6.4% YoY -7.6% QoQ |
-$1.5M | $10.5M | $7.4M | $8.8M | 53% |
| Branch Count |
5
0 YoY 0 QoQ |
-15 | 20 | 35 | 18 | 12% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.2% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.5%
+0.5pp YoY -0.1pp QoQ |
-0.3pp | 0.8% | 0.9% | 1.0% | 51% |
| Allowance Coverage |
2.16x
-95.6% YoY +22.6% QoQ |
-16.55x | 18.71x | 7.38x | 20.23x | 51% |
| Net Charge-off Rate (YTD) |
0.4%
-0.1pp YoY 0.0pp QoQ |
+0.2pp | 0.3% | 0.1% | 0.2% | 90% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
12.2%
+2.1pp YoY -0.8pp QoQ |
-0.4pp | 12.6% | 9.1% | 11.6% | 50% |
| Cost of Funds (YTD) |
1.7%
-0.4pp YoY 0.0pp QoQ |
-0.2pp | 1.9% | 1.3% | 1.7% | 35% |
| Net Income ($, YTD) |
$9.0M
+37.2% YoY — QoQ |
-$10.3M | $19.2M | $35.5M | $40.4M | 34% |
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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 (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.