Banks SUMMIT BANK

SUMMIT BANK

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

SUMMIT BANK is an 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%. CET1 capital ratio: 23.38%, well above regulatory minimums. NPL ratio: 1.04% · Texas Ratio: 3.59%.

Assets
$279M
Deposits
$220M
Loans
$191M
Equity
$49M

Profitability

Return on Assets (ROA)0.95%
Return on Equity (ROE)5.52%
Net Interest Margin5.46%
Yield on Assets6.36%
Cost of Funds1.04%

Asset Quality

NPL Ratio1.04%
Net Charge-Off Ratio0.31%
Texas Ratio3.59%
NPA Ratio0.71%
ACL / Loans3.28%

Capital & Liquidity

CET1 Ratio23.38%
Tier 1 Capital23.38%
Total Capital Ratio24.65%
Leverage Ratio16.78%
Loan-to-Deposit86.83%

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