Oakland, CA · Cert 23864 · Summit Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks under $1B in assets operating in a single state (n=743 to 746). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
87
Asset Quality
11
Profitability
29
Liquidity
23
Efficiency
1
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.
Oakland, CA · Cert 23864 · Summit Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Market Position · San Francisco-Oakland-Fremont, CA · 2026 SOD (annual) · 0.0% share · #45 of 69 inst. · $0.2B of $513.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.53% | 1.49% | 1.25% | 1.20% | 1.10% | 1.07% | 1.06% | -3.45% | -466 bps | |
| Return on Equity | 10.22% | 9.81% | 7.58% | 7.20% | 6.54% | 6.28% | 5.91% | -19.74% | -2,693 bps | |
| Net Interest Margin | 5.13% | 5.14% | 4.83% | 4.89% | 4.77% | 4.70% | 4.44% | 4.45% | -45 bps | |
| Efficiency Ratio | 55.08% | 56.37% | 61.30% | 62.76% | 66.17% | 68.20% | 68.73% | 152.65% | +8,989 bps | |
| Non-Interest Burden | 2.71% | 2.79% | 2.87% | 2.98% | 3.07% | 3.13% | 2.95% | 6.93% | +395 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -9.83% | -7.67% | -9.00% | -5.58% | -4.20% | -5.19% | -5.90% | -5.42% | +16 bps | |
| Loan Growth (YoY) | 3.67% | 11.39% | 3.38% | 3.31% | -1.91% | -7.13% | -1.64% | -0.58% | -389 bps | |
| Deposit Growth (YoY) | -12.99% | -10.18% | -11.71% | -7.84% | -5.87% | -7.18% | -8.12% | -6.56% | +128 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 3.96% | 1.04% | 1.54% | 1.48% | +148 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.31% | 0.58% | 0.71% | +71 bps | |
| Allowance / Loans | 3.22% | 3.19% | 3.35% | 3.46% | 3.52% | 3.28% | 3.04% | 3.04% | -42 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | 0.9x | 3.2x | 2.0x | 2.0x | n/a | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 15.70% | 15.90% | 16.47% | 16.91% | 17.10% | 16.78% | 17.94% | 16.37% | -54 bps | |
| Total Risk-Based Capital | 22.31% | 22.76% | 22.95% | 24.15% | 24.28% | 24.65% | 24.16% | 22.01% | -214 bps | |
| Equity / Assets | 15.86% | 16.15% | 16.76% | 17.33% | 17.04% | 17.54% | 18.31% | 16.61% | -72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.66% | 86.78% | 87.26% | 89.39% | 86.14% | 86.83% | 93.41% | 95.10% | +572 bps | |
| Liquid Assets / Assets | 27.50% | 24.55% | 24.72% | 23.33% | 25.85% | 25.50% | 20.94% | 19.54% | -379 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 318% | 297% | 307% | n/a | n/a | |
Oakland, CA · Cert 23864 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Summit Bancshares Inc.
State charter, non-member · FDIC · 4 branches
Q2 2026
Return on Assets
-3.54%
Rank 741 of 746
Net Interest Margin
4.45%
Rank 109 of 746
Efficiency Ratio
152.65%
Rank 741 of 746
Equity / Assets
16.61%
Rank 66 of 746
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -3.54% | 0.72% | 1.06% | 1.45% | Beats 1% | 741 / 746 | ||
| Return on Equity | -21.31% | 6.74% | 10.51% | 13.63% | Beats 1% | 740 / 746 | ||
| Net Interest Margin | 4.45% | 3.17% | 3.68% | 4.16% | Beats 85% | 109 / 746 | ||
| Efficiency Ratio | 152.65% | 55.74% | 64.58% | 75.47% | Beats 1% | 741 / 746 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.48% | 0.09% | 0.42% | 1.07% | Beats 17% | 617 / 743 | ||
| Net Charge-Offs / Loans | 0.36% | 0.00% | 0.01% | 0.05% | Beats 4% | 712 / 743 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 20.74% | 11.55% | 13.75% | 17.60% | Beats 84% | 116 / 746 | ||
| Total Risk-Based Capital Ratio | 22.01% | 11.71% | 14.33% | 18.43% | Beats 85% | 112 / 746 | ||
| Equity / Assets | 16.61% | 8.90% | 10.51% | 13.06% | Beats 91% | 66 / 746 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 95.10% | 61.31% | 78.27% | 90.78% | 84th pctl | 119 / 746 | ||
| Loans / Assets | 74.66% | 53.60% | 66.97% | 76.08% | 70th pctl | 222 / 746 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||