PackageTrendsPeer
Letter portraitLegal landscape

Summit Bank

Oakland, CA · Cert 23864 · Summit Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets operating in a single state3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets operating in a single state (n=751 to 755). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

86

Q2 2024Q2 2026peer median (50)

Asset Quality

11

Q2 2024Q2 2026peer median (50)

Profitability

29

Q2 2024Q2 2026peer median (50)

Liquidity

25

Q2 2024Q2 2026peer median

Efficiency

1

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Summit Bank

Oakland, CA · Cert 23864 · Summit Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$264.4MAssets
$197.4MLoans
$207.6MDeposits
$43.9MEquity
Loan mix
86%RE $160.3M14%C&I $26.9M0%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
54%Interest-bearing $111.7M46%Noninterest $95.9MQ2 2025Q2 2026

NIM

5.77%Q2 ’245.59%Q2 ’255.27%Q2 ’26-3%-9%

Non-interest income vs. expense

2.88%Q2 ’243.23%Q2 ’257.20%Q2 ’26+12%+133%

Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.0% share · #45 of 69 inst. · $0.2B of $513.2B

0.2% Alameda
0.2% Contra Costa

Executive Summary

  • Earnings: ROA of -3.45%, down 466 bps year over year; NIM at 4.45%.
  • Asset quality: problem loans at 1.48% of loans (+148 bps YoY), with net charge-offs at 0.71%.
  • Capital: tier 1 leverage ratio of 16.37%, down 54 bps from a year ago.
  • Funding: loans stand at 95.10% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-3.45%-466 bps YoY

Net Interest Margin (YTD, annualized)

4.45%-45 bps YoY

Efficiency Ratio (YTD, annualized)

152.65%+8,989 bps YoY

Tier 1 Leverage Ratio

16.37%-54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.20%1.10%1.07%1.06%-3.45%-466 bps
Return on Equity7.20%6.54%6.28%5.91%-19.74%-2,693 bps
Net Interest Margin4.89%4.77%4.70%4.44%4.45%-45 bps
Efficiency Ratio62.76%66.17%68.20%68.73%152.65%+8,989 bps
Non-Interest Burden2.98%3.07%3.13%2.95%6.93%+395 bps
Growth
Asset Growth (YoY)-5.58%-4.20%-5.19%-5.90%-5.42%+16 bps
Loan Growth (YoY)3.31%-1.91%-7.13%-1.64%-0.58%-389 bps
Deposit Growth (YoY)-7.84%-5.87%-7.18%-8.12%-6.56%+128 bps
Asset Quality
Nonperforming Loans / Loans0.00%3.96%1.04%1.54%1.48%+148 bps
Net Charge-Offs / Loans0.00%0.00%0.31%0.58%0.71%+71 bps
Allowance / Loans3.46%3.52%3.28%3.04%3.04%-42 bps
Allowance Coverage of NPLsn/a0.9x3.2x2.0x2.0xn/a
Capital
Tier 1 Leverage Ratio16.91%17.10%16.78%17.94%16.37%-54 bps
Total Risk-Based Capital24.15%24.28%24.65%24.16%22.01%-214 bps
Equity / Assets17.33%17.04%17.54%18.31%16.61%-72 bps
Liquidity & Funding
Loans / Deposits89.39%86.14%86.83%93.41%95.10%+572 bps
Liquid Assets / Assets23.33%25.85%25.50%20.94%19.54%-379 bps
CRE / Total Capitaln/a318%297%307%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Summit Bank

Oakland, CA · Cert 23864 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Summit Bancshares Inc.

State charter, non-member · FDIC · 4 branches

Q2 2026

$264.4MAssets
$197.4MLoans
$207.6MDeposits
$43.9MEquity

Executive Summary

  • Strongest standing: equity / assets outperforms 90% of banks under $1B in assets operating in a single state (rank 73 of 755).
  • Widest gap: efficiency ratio trails 99% of banks under $1B in assets operating in a single state (rank 749 of 755).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-3.54%

Rank 751 of 755

Net Interest Margin

4.45%

Rank 110 of 755

Efficiency Ratio

152.65%

Rank 749 of 755

Equity / Assets

16.61%

Rank 73 of 755

Non-interest income vs. expense

$0.7M$19.3MINCOMEEXPENSE
Unfavorable gap of $18.6M · efficiency ratio beats 1% of banks under $1B in assets operating in a single state
Bank 152.65%Peer median 64.8%Q4 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-3.54%0.72%1.06%1.45%Beats 1%751 / 755
Return on Equity-21.31%6.66%10.44%13.61%Beats 1%749 / 755
Net Interest Margin4.45%3.15%3.68%4.17%Beats 85%110 / 755
Efficiency Ratio152.65%55.75%64.78%75.61%Beats 1%749 / 755
Asset Quality
Nonperforming Loans / Loans1.48%0.09%0.42%1.05%Beats 17%628 / 751
Net Charge-Offs / Loans0.36%0.00%0.01%0.05%Beats 5%718 / 751
Capital
Tier 1 Capital Ratio20.74%11.56%13.81%17.74%Beats 84%120 / 755
Total Risk-Based Capital Ratio22.01%11.72%14.46%18.53%Beats 85%117 / 755
Equity / Assets16.61%8.93%10.56%13.13%Beats 90%73 / 755
Liquidity & Funding
Loans / Deposits95.10%62.43%78.62%91.00%83rd pctl126 / 755
Loans / Assets74.66%54.70%67.27%76.55%69th pctl232 / 755
Brokered Deposits / Depositsn/aNot reported for this institution