Summit Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Summit Bank of Eugene, OR against its peer group of 941 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.28% | 1.34% | -0.06% | 48th below |
| ROAE | 11.47% | 12.34% | -0.87% | 43rd below |
| Net Interest Margin | 4.86% | 3.83% | +1.03% | 93rd top |
| Efficiency Ratio | 53.88% | 58.97% | -5.09% | 62nd above |
| PPNR / Avg Assets | 2.20% | — | — | 78th top |
| Yield on Earning Assets | 6.61% | 5.71% | +0.90% | 91st top |
| Cost of Funds | 1.82% | 2.02% | -0.20% | 61st above |
| Net Interest Spread | 4.38% | — | — | 96th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.52% | 0.87% | -0.35% | 50th above |
| NPA / Total Assets | 0.45% | — | — | 46th below |
| NCO / Avg Loans | 0.45% | 0.43% | +0.02% | 10th bottom |
| ACL / Total Loans | 1.12% | — | — | 44th below |
| ACL / NPLs (Coverage) | 216.03% | — | — | 51st above |
| Texas Ratio | 0.95% | 5.48% | -4.53% | 83rd top |
| Provision / NCO | 117.99% | — | — | 39th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 11.34% | 11.11% | +0.23% | 66th above |
| Equity / Assets | 11.39% | 11.02% | +0.37% | 66th above |
| TCE / Tangible Assets | 11.39% | — | — | 76th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 99.60% | 86.99% | +12.61% | 18th bottom |
| Core Deposit Ratio | 95.34% | 85.57% | +9.77% | 87th top |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 32.73% | 33.19% | -0.46% | 45th below |
| Wholesale Funding Ratio | 0.15% | — | — | 94th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 6.61% | — | — | 58th above |
| Loan Growth (Y/Y) | 5.25% | — | — | 47th below |
| Deposit Growth (Y/Y) | 5.47% | — | — | 53rd above |
See Summit Bank's peers by name
The 941 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Summit Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Summit Bank profile, how to read a UBPR, or how this data updates. For every peer by name over many quarters, with each ratio broken into its filed parts, open the Summit Bank peer analysis.