Summit State Bank
Santa Rosa, CA · Cert 32203 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
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 55% of banks under $1B in assets operating in a single state (rank 338 of 746).
- Widest gap: net charge-offs / loans trails 99% of banks under $1B in assets operating in a single state (rank 737 of 743).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
0.08%
Rank 713 of 746
Net Interest Margin
3.79%
Rank 338 of 746
Efficiency Ratio
64.01%
Rank 360 of 746
Equity / Assets
10.56%
Rank 364 of 746
Non-interest income vs. expense
Unfavorable gap of $22.2M · efficiency ratio beats 52% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.08% | 0.72% | 1.06% | 1.45% | Beats 4% | 713 / 746 | |
| Return on Equity | 0.72% | 6.74% | 10.51% | 13.63% | Beats 5% | 711 / 746 | |
| Net Interest Margin | 3.79% | 3.17% | 3.68% | 4.16% | Beats 55% | 338 / 746 | |
| Efficiency Ratio | 64.01% | 55.74% | 64.58% | 75.47% | Beats 52% | 360 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.43% | 0.09% | 0.42% | 1.07% | Beats 8% | 681 / 743 | |
| Net Charge-Offs / Loans | 1.14% | 0.00% | 0.01% | 0.05% | Beats 1% | 737 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 13.10% | 11.55% | 13.75% | 17.60% | Beats 43% | 425 / 746 | |
| Total Risk-Based Capital Ratio | 14.80% | 11.71% | 14.33% | 18.43% | Beats 54% | 344 / 746 | |
| Equity / Assets | 10.56% | 8.90% | 10.51% | 13.06% | Beats 51% | 364 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 89.69% | 61.31% | 78.27% | 90.78% | 73rd pctl | 202 / 746 | |
| Loans / Assets | 79.07% | 53.60% | 66.97% | 76.08% | 83rd pctl | 129 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |