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 | |