Summit Bank
Total assets
$1.33B
▲ +6.6% YoY
Deposits
$1.16B
▲ +5.5% YoY
Loans
$1.14B
▲ +5.4% YoY
Offices
5
SUMMIT BANK GROUP INC
ROA (annualized)
1.36%
peers 1.26%
ROE (annualized)
12.22%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | Summit Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.6% | +5.5% | +1.1 pts |
| Deposit growth (YoY) | +5.5% | +5.1% | +0.4 pts |
| Loan growth (YoY) | +5.4% | +5.9% | -0.5 pts |
| ROA | 1.36% | 1.26% | +0.1 pts |
| ROE | 12.2% | 12.2% | +0.1 pts |
ROA ranks in the 59th percentile of its peer group · Q2 2026
Profile
- Established
- 2004
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- SUMMIT BANK GROUP INC
- Specialization
- Commercial Lending Specialization
- Address
- 96 E Broadway, Eugene, OR, 97401
- County
- Lane
- Metro area
- Eugene-Springfield, OR
- Offices
- 5
- FDIC cert #
- 57706
- RSSD ID
- 3243282
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.33B | $1.16B | $1.14B | $151.5M | $9.0M | 1.36% | 4.75% | 0.45% |
| Q1 2026 | $1.35B | $1.19B | $1.12B | $146.9M | $4.7M | 1.43% | 4.68% | 0.53% |
| Q4 2025 | $1.28B | $1.12B | $1.10B | $142.0M | $14.9M | 1.17% | 4.69% | 0.30% |
| Q3 2025 | $1.29B | $1.14B | $1.09B | $137.3M | $10.6M | 1.11% | 4.70% | 0.36% |
| Q2 2025 | $1.25B | $1.10B | $1.09B | $132.9M | $6.5M | 1.04% | 4.64% | 0.02% |
| Q1 2025 | $1.28B | $1.14B | $1.06B | $129.0M | $3.1M | 0.97% | 4.53% | 0.06% |
| Q4 2024 | $1.25B | $1.11B | $1.04B | $125.4M | $11.6M | 0.99% | 4.60% | 0.17% |
| Q3 2024 | $1.27B | $1.14B | $1.02B | $122.1M | $8.5M | 0.97% | 4.57% | 0.18% |
Loan mix (Q2 2026): real estate $826.9M · commercial $331.0M · consumer $1.2M · securities $24.7M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | Summit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.36% | 1.26% | 59th | |
Return on equity Annualized net income ÷ equity or net worth | 12.2% | 12.2% | 50th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.75% | 3.70% | 92th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 53.5% | 59.0% | 34th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Summit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Summit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Summit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Summit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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