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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