SUMMIT STATE BANK

SANTA ROSA, CA | Large | Est. Jan. 1, 1982, midnight | FDIC #32203 | RSSD #561574 | FDIC
Latest Report: 2025-12-31

SUMMIT STATE BANK is aln large FDIC-insured commercial bank headquartered in SANTA ROSA, CA, established in Jan. 1, 1982, midnight. As of 2025-12-31, the bank reported total assets of $1.0B and total deposits of $891M. Profitability stands at 0.42% ROA and 4.25% ROE, with a net interest margin of 3.88%. The bank's CET1 capital ratio is 12.03%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 2.96% and a Texas Ratio of 23.64%. FDIC Certificate #32203.

Assets

$1.0B

Deposits

$891M

Loans

$846M

Equity

$101M

Profitability

Return on Assets (ROA) 0.42%
Return on Equity (ROE) 4.25%
Net Interest Margin (NIM) 3.88%
Yield on Assets 6.24%
Cost of Funds 2.44%

Asset Quality

NPL Ratio 2.96%
Net Charge-Off Ratio 0.21%
Texas Ratio 23.64%
NPA Ratio 2.72%
ACL / Loans 1.71%

Capital & Liquidity

CET1 Ratio 12.03%
Tier 1 Capital 12.03%
Total Capital Ratio 13.69%
Leverage Ratio 10.37%
Loan-to-Deposit 94.97%

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