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Summit State Bank

Santa Rosa, CA · Cert 32203

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 assets3

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 (n=573 to 620). 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

49

Q2 2024Q2 2026peer median (50)

Asset Quality

7

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

57

Q2 2024Q2 2026peer median

Efficiency

62

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 2026-10-10

Summit State Bank

Santa Rosa, CA · Cert 32203

State charter, non-member · FDIC · 4 branches

Q2 2026

$959.8MAssets
$758.9MLoans
$846.1MDeposits
$101.4MEquity
Loan mix
93%RE $737.1M6%C&I $48.1M0%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
78%Interest-bearing $659.7M22%Noninterest $186.4MQ2 2025Q2 2026

NIM

5.35%Q2 ’245.69%Q2 ’255.77%Q2 ’26+22%+14%

Non-interest income vs. expense

2.39%Q2 ’242.38%Q2 ’252.66%Q2 ’26+6%+3%

Market Position · Santa Rosa-Petaluma, CA · 2026 SOD (annual) · 4.3% share · #7 of 14 inst. · $0.8B of $19.7B

Executive Summary

  • Earnings: ROA of 0.07%, down 86 bps year over year; NIM at 3.79%.
  • Asset quality: problem loans at 2.43% of loans (+136 bps YoY), with net charge-offs at 2.28%.
  • Capital: tier 1 leverage ratio of 10.84%, up 100 bps from a year ago.
  • Funding: loans stand at 89.69% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.07%-86 bps YoY

Net Interest Margin (YTD, annualized)

3.79%+47 bps YoY

Efficiency Ratio (YTD, annualized)

64.01%-472 bps YoY

Tier 1 Leverage Ratio

10.84%+100 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.93%0.73%0.66%0.67%0.07%-86 bps
Return on Equity10.33%7.94%6.99%6.57%0.72%-961 bps
Net Interest Margin3.32%3.42%3.45%3.62%3.79%+47 bps
Efficiency Ratio68.72%64.96%67.25%66.82%64.01%-472 bps
Non-Interest Burden2.22%2.14%2.31%2.29%2.28%+6 bps
Growth
Asset Growth (YoY)-4.58%-10.03%-5.86%-6.34%-7.04%-246 bps
Loan Growth (YoY)-6.41%-8.62%-7.89%-11.15%-12.59%-618 bps
Deposit Growth (YoY)-4.55%-11.37%-7.42%-8.13%-8.29%-374 bps
Asset Quality
Nonperforming Loans / Loans1.07%2.76%2.96%4.15%2.43%+136 bps
Net Charge-Offs / Loans0.00%0.28%0.21%0.00%2.28%+228 bps
Allowance / Loans1.51%1.65%1.71%1.96%1.69%+18 bps
Allowance Coverage of NPLs1.4x0.6x0.6x0.5x0.7x-0.7x
Capital
Tier 1 Leverage Ratio9.84%10.24%10.37%10.67%10.84%+100 bps
Total Risk-Based Capital12.94%13.20%13.69%14.60%14.80%+186 bps
Equity / Assets9.50%9.91%10.07%10.31%10.56%+106 bps
Liquidity & Funding
Loans / Deposits94.10%95.91%94.97%90.04%89.69%-441 bps
Liquid Assets / Assets5.08%4.72%5.86%10.71%10.67%+559 bps
CRE / Total Capitaln/a662%643%593%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 2026-10-10

Summit State Bank

Santa Rosa, CA · Cert 32203 · Peer group: banks under $1B in assets (n=573-620)

State charter, non-member · FDIC · 4 branches

Q2 2026

$959.8MAssets
$758.9MLoans
$846.1MDeposits
$101.4MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 64% of banks under $1B in assets (rank 226 of 620).
  • Widest gap: net charge-offs / loans trails 98% of banks under $1B in assets (rank 564 of 573).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

0.08%

Rank 566 of 620

Net Interest Margin

3.79%

Rank 226 of 620

Efficiency Ratio

64.01%

Rank 235 of 620

Equity / Assets

10.56%

Rank 313 of 620

Non-interest income vs. expense

$3.7M$25.9MINCOMEEXPENSE
Unfavorable gap of $22.2M · efficiency ratio beats 62% of banks under $1B in assets
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.08%0.60%1.00%1.45%Beats 9%566 / 620
Return on Equity0.72%5.30%9.30%13.29%Beats 9%564 / 620
Net Interest Margin3.79%3.02%3.53%4.04%Beats 64%226 / 620
Efficiency Ratio64.01%58.35%68.08%79.37%Beats 62%235 / 620
Asset Quality
Nonperforming Loans / Loans2.43%0.09%0.47%1.27%Beats 11%511 / 573
Net Charge-Offs / Loans1.14%n/a0.01%0.06%Beats 2%564 / 573
Capital
Tier 1 Capital Ratio13.10%11.27%13.87%18.78%Beats 45%343 / 620
Total Risk-Based Capital Ratio14.80%11.69%14.57%19.67%Beats 51%301 / 620
Equity / Assets10.56%9.03%10.60%13.73%Beats 50%313 / 620
Liquidity & Funding
Loans / Deposits89.69%65.08%79.69%92.47%69th pctl179 / 585
Loans / Assets79.07%51.85%67.17%77.86%80th pctl126 / 620
Brokered Deposits / Depositsn/aNot reported for this institution