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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