Summit Bank
Eugene, OR · Cert 57706 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Summit Bank Group Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
$1.3BAssets
$1.2BLoans
$1.2BDeposits
$151.5MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 91% of banks $1B-$10B in assets operating in a single state (rank 22 of 258).
- Widest gap: net charge-offs / loans trails 91% of banks $1B-$10B in assets operating in a single state (rank 236 of 258).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.35%
Rank 97 of 258
Net Interest Margin
4.47%
Rank 22 of 258
Efficiency Ratio
53.51%
Rank 79 of 257
Equity / Assets
11.39%
Rank 82 of 258
Non-interest income vs. expense
Unfavorable gap of $30.6M · efficiency ratio beats 70% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.35% | 0.93% | 1.23% | 1.54% | Beats 62% | 97 / 258 | |
| Return on Equity | 11.84% | 9.26% | 11.84% | 14.74% | Beats 50% | 129 / 258 | |
| Net Interest Margin | 4.47% | 3.16% | 3.49% | 3.88% | Beats 91% | 22 / 258 | |
| Efficiency Ratio | 53.51% | 51.71% | 60.30% | 69.65% | Beats 70% | 79 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.52% | 0.19% | 0.46% | 0.90% | Beats 43% | 149 / 258 | |
| Net Charge-Offs / Loans | 0.22% | 0.01% | 0.02% | 0.07% | Beats 9% | 236 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 11.34% | 11.41% | 12.98% | 15.12% | Beats 24% | 195 / 258 | |
| Total Risk-Based Capital Ratio | 11.34% | 12.10% | 13.91% | 16.08% | Beats 18% | 211 / 258 | |
| Equity / Assets | 11.39% | 9.09% | 10.24% | 11.72% | Beats 68% | 82 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 99.60% | 73.24% | 86.34% | 95.95% | 83rd pctl | 45 / 258 | |
| Loans / Assets | 87.09% | 63.01% | 72.27% | 78.40% | 97th pctl | 7 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |