Summit Bank
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
$264.4MAssets
$197.4MLoans
$207.6MDeposits
$43.9MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 91% of banks under $1B in assets operating in a single state (rank 66 of 746).
- Widest gap: efficiency ratio trails 99% of banks under $1B in assets operating in a single state (rank 741 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $18.6M · efficiency ratio beats 1% of banks under $1B in assets operating in a single state | 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 |