| Metric | Summit Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.4% | +4.4% | -9.8 pts |
| Deposit growth (YoY) | -6.6% | +4.0% | -10.5 pts |
| Loan growth (YoY) | -0.1% | +5.6% | -5.7 pts |
| ROA | -3.45% | 1.24% | -4.7 pts |
| ROE | -19.7% | 11.9% | -31.6 pts |
ROA ranks in the 0th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $264.4M | $207.6M | $191.4M | $43.9M | $-4.7M | -3.45% | 4.79% | 1.11% |
| Q1 2026 | $270.2M | $211.5M | $191.5M | $49.5M | $727K | 1.06% | 4.85% | 1.13% |
| Q4 2025 | $278.8M | $220.4M | $185.1M | $48.9M | $3.0M | 1.07% | 5.22% | 0.71% |
| Q3 2025 | $285.2M | $227.1M | $188.7M | $48.6M | $2.4M | 1.10% | 5.13% | 2.72% |
| Q2 2025 | $279.6M | $222.2M | $191.7M | $48.5M | $1.7M | 1.20% | 5.30% | 0.00% |
| Q1 2025 | $287.1M | $230.2M | $194.1M | $48.1M | $906K | 1.25% | 5.26% | 0.00% |
| Q4 2024 | $294.0M | $237.4M | $199.5M | $47.5M | $4.5M | 1.49% | 5.46% | 0.00% |
| Q3 2024 | $297.7M | $241.3M | $193.0M | $47.2M | $3.5M | 1.53% | 5.43% | 0.00% |
Loan mix (Q2 2026): real estate $158.4M · commercial $28.6M · consumer $138K · securities $396K
| Ratio | Summit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -3.45% | 1.24% | 0th | |
Return on equity Annualized net income ÷ equity or net worth | -19.7% | 11.9% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.79% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 152.6% | 62.9% | 100th |
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% |
| 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% |
| Ratio | Summit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| 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% |
| 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% |
| Ratio | Summit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
| Date | Role | Counterparty | Kind | Status | Regulator |
|---|---|---|---|---|---|
| Jul 1, 2026 | Acquirer | — | Merger | Completed | FDIC |
Technology spend in line with peers (12 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).
4 branches in 2 counties across 1 state (+1 vs 2025) · $207.6M branch deposits. Biggest market: Alameda, CA, ranked 42nd with 0.2% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Alameda, CA | 3 | $126.8M | 0.17% | 42nd |
| Contra Costa, CA | 1 | $80.8M | 0.14% | 36th |
California: 255th with 0.01% · San Francisco-Oakland-Fremont metro: 66th, 0.04% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 4