Summit Bank (Eugene, OR)
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Data as of · sourced from FFIEC call reports. How we update
Summit Bank is an FDIC-insured commercial bank headquartered in Eugene, OR, established in 2004 (FDIC certificate 57706), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.33B, up 6.6% from Q2 2025, the 2nd largest of 12 banks headquartered in Oregon. It reports no CET1 ratio; its Tier 1 leverage ratio was 11.34% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 57706
- Headquarters
- Eugene, OR
- Established
- 2004
- Total assets, Q2 2026
- $1.33B
- Assets vs Q2 2025
- +6.6%
- Tier 1 leverage ratio, Q2 2026
- 11.34%
- Domestic offices
- 5 FDIC institution directory, current count
- Routing number
- 123206914
- Holding company
- SUMMIT BANK GROUP, INC.
- Asset rank in state
- 2nd of 12 in Oregon
Summit Bank earns an unusually wide margin on its lending. Based in Eugene, Oregon, it had $1.3 billion in assets at June 30, 2026, up 6.6% from a year earlier. It keeps 4.86 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also carries problem assets equal to 1.0% of the capital and reserves that would absorb them, a small fraction of the median of 3.6% for banks its size.
Net income for the quarter rose 23% from a year earlier, to $4.3 million. The commercial and industrial book ($331 million) is worsening: 1.96% of it is past due or on nonaccrual, up from 0.80% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.0 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, Summit Bank reported a return on assets of 1.28%, a nonperforming-loan ratio of 0.52% and a Texas ratio of 0.95%. The figures come from its call report filed with the FFIEC.
Of the 12 banks headquartered in Oregon, Summit Bank is the 2nd largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.6% to $1.33B, loans rose 2.5% and deposits fell 2.3%. Commercial and industrial loans made up 28.6% of its total loans on June 30, 2026, its largest category; next came owner-occupied commercial real estate loans at 26.7%. Its 5 offices in the FDIC Summary of Deposits are in 5 cities in OR; its Eugene office books 61% of its branch deposits. On its Q2 2026 call report, Summit Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 96 E Broadway, Eugene, OR 97401
- County
- Lane
- Metro Area
- Eugene-Springfield, OR
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- San Francisco (Region 14)
- Federal Reserve member
- No
- Federal Reserve district
- District 12, San Francisco
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- February 23, 2004
- Domestic offices
- 5 FDIC institution directory, current count
- Employees (FTE)
- 148
- Domestic deposits
- $1.16B
- Allowance for credit losses
- $12.9M
- Net charge-offs (YTD)
- $2.4M
- Average total assets
- $1.34B
- Average total loans
- $1.14B
- Average interest-bearing deposits
- $1.00B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- February 23, 2004
- FDIC Cert
- 57706
- Fed RSSD
- 3243282
- SEC CIK
- 1895399 → filed by SUMMIT BANK GROUP, INC.
- Website
- https://sbko.bank →
- Parent Holding Company
- SUMMIT BANK GROUP, INC. (RSSD 5513804)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Summit Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Summit Bank's total assets ran between $1.06B (Q3 2023) and $1.35B (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.33B total assets against $1.25B; $1.18B total liabilities against $1.11B.
$1.14B net loans and leases against $1.09B; $1.16B total deposits against $1.10B.
$24.7M securities against $35.9M; $125.8M cash and balances due against $91.9M.
$20.7M total interest income against $20.1M; $5.5M total interest expense against $6.0M.
$15.2M net interest income against $14.2M.
$802K total noninterest income against $439K; $8.6M total noninterest expense against $8.0M.
$1.5M provision for credit losses against $1.9M.
$4.3M net income against $3.5M.
1.28% return on assets against 1.12%; 4.86% net interest margin against 4.75%.
11.34% tier 1 leverage ratio against 10.83%.
Inside the full Summit Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Summit Bank rankings
Its closest position to the top of a national ranking is 820 of 4,196, for total assets; its furthest is 2,703 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.98% (Q1 2025) to 1.45% (Q1 2026) and its net interest margin ran from 4.41% (Q3 2024) to 4.86% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.34% | 1.28% | 0.52% | 0.95% | 4.86% |
| Q1 2026 | 11.38% | 1.45% | 0.64% | 1.29% | 4.69% |
| Q4 2025 | 10.91% | 1.32% | 0.34% | 0.71% | 4.50% |
| Q3 2025 | 10.87% | 1.28% | 0.42% | 1.21% | 4.78% |
| Q2 2025 | 10.83% | 1.12% | 0.03% | 0.19% | 4.75% |
| Q1 2025 | 10.41% | 0.98% | 0.07% | 0.53% | 4.52% |
| Q4 2024 | 9.88% | 0.98% | 0.20% | 1.50% | 4.44% |
| Q3 2024 | 10.04% | 1.07% | 0.22% | 0.79% | 4.41% |
Swipe the table sideways to see every column.
Branch Network
View all 5 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Summit Bank (main office) | Eugene , OR | 97401 | $706.9M |
| Bend Branch | Bend , OR | 97702 | $192.0M |
| Downtown Portland Branch Office | Portland , OR | 97201 | $179.5M |
| Redmond Branch | Redmond , OR | 97756 | $42.9M |
| Westside Portland Branch | Hillsboro , OR | 97006 | $40.9M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 1.1% of deposits in OR, rank 11 of 33 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 7 loans, $3.5M approved, $493K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Summit Bank
What are Summit Bank's total assets?
As of the Q2 2026 filing, Summit Bank reported total assets of $1.33 billion in its FFIEC call report.
Where is Summit Bank headquartered?
It is headquartered in Eugene, OR, United States.
When was Summit Bank founded?
It was established in 2004, per the FDIC institution directory.
Is Summit Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #57706). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Summit Bank?
Summit Bank's primary federal regulator is the FDIC.
How many branches does Summit Bank operate?
It operates 5 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Summit Bank's Texas Ratio?
Its Texas Ratio is 0.95% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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