Eugene, OR · Cert 57706 · Summit Bank Group Inc.
State charter, non-member · FDIC · 5 branches
Q2 2026
Market Position · Eugene-Springfield, OR · 2026 SOD (annual) · 10.3% share · #4 of 14 inst. · $0.7B of $6.8B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.09% | 1.00% | 0.97% | 1.10% | 1.28% | 1.34% | 1.43% | 1.28% | +18 bps | |
| Return on Equity | 10.98% | 10.21% | 9.65% | 10.59% | 12.04% | 12.32% | 12.98% | 11.47% | +88 bps | |
| Net Interest Margin | 4.26% | 4.30% | 4.36% | 4.59% | 4.64% | 4.37% | 4.55% | 4.54% | -5 bps | |
| Efficiency Ratio | 55.31% | 56.44% | 55.64% | 54.87% | 51.86% | 58.60% | 53.10% | 53.90% | -97 bps | |
| Non-Interest Burden | 2.34% | 2.41% | 2.40% | 2.45% | 2.31% | 2.48% | 2.30% | 2.34% | -12 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 19.68% | 16.57% | 11.93% | 8.49% | 1.46% | 1.93% | 5.29% | 6.61% | -189 bps | |
| Loan Growth (YoY) | 16.20% | 13.80% | 9.56% | 8.63% | 7.29% | 5.60% | 4.93% | 5.25% | -338 bps | |
| Deposit Growth (YoY) | 25.24% | 21.48% | 11.54% | 7.84% | 0.33% | 0.71% | 4.29% | 5.47% | -237 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.22% | 0.20% | 0.07% | 0.03% | 0.42% | 0.34% | 0.64% | 0.52% | +49 bps | |
| Net Charge-Offs / Loans | 0.58% | 0.62% | 0.72% | 0.36% | 0.41% | 0.60% | 0.38% | 0.45% | +9 bps | |
| Allowance / Loans | 1.17% | 1.19% | 1.17% | 1.23% | 1.29% | 1.17% | 1.12% | 1.12% | -11 bps | |
| Allowance Coverage of NPLs | 5.2x | 6.1x | 16.6x | 49.0x | 3.1x | 3.4x | 1.8x | 2.2x | -46.8x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.04% | 9.88% | 10.41% | 10.83% | 10.87% | 10.91% | 11.38% | 11.34% | +51 bps | |
| Total Risk-Based Capital | 10.04% | 9.88% | 10.41% | 10.83% | 10.87% | 10.91% | 11.38% | 11.34% | +51 bps | |
| Equity / Assets | 9.60% | 10.01% | 10.06% | 10.66% | 10.64% | 11.12% | 10.88% | 11.39% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 90.69% | 94.75% | 94.37% | 99.81% | 96.99% | 99.35% | 94.95% | 99.60% | -21 bps | |
| Liquid Assets / Assets | 10.69% | 8.54% | 8.12% | 4.82% | 8.06% | 7.79% | 11.49% | 7.10% | +229 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 536% | 529% | 524% | n/a | n/a | |