SUMMIT BANK

OAKLAND, CA | Small | Est. July 1, 1982, midnight | FDIC #23864 | RSSD #351560 | FDIC
Latest Report: 2025-12-31

SUMMIT BANK is asn small FDIC-insured commercial bank headquartered in OAKLAND, CA, established in July 1, 1982, midnight. As of 2025-12-31, the bank reported total assets of $279M and total deposits of $220M. Profitability stands at 0.95% ROA and 5.52% ROE, with a net interest margin of 5.46%. The bank's CET1 capital ratio is 23.38%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.04% and a Texas Ratio of 3.59%. FDIC Certificate #23864.

Assets

$279M

Deposits

$220M

Loans

$191M

Equity

$49M

Profitability

Return on Assets (ROA) 0.95%
Return on Equity (ROE) 5.52%
Net Interest Margin (NIM) 5.46%
Yield on Assets 6.36%
Cost of Funds 1.04%

Asset Quality

NPL Ratio 1.04%
Net Charge-Off Ratio 0.31%
Texas Ratio 3.59%
NPA Ratio 0.71%
ACL / Loans 3.28%

Capital & Liquidity

CET1 Ratio 23.38%
Tier 1 Capital 23.38%
Total Capital Ratio 24.65%
Leverage Ratio 16.78%
Loan-to-Deposit 86.83%

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