Summit Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans climbed 39.87 percentage points in Q2 2026, from 176.16% to 216.03%. It was the largest change from Q1 2026 among the key lines here. Summit Bank ranks 5th of 12 Oregon banks on return on assets, in the upper half at 1.28% (Q2 2026). At 1.28%, Summit Bank's return on assets is close to the 1.27% median for banks in the $1B-10B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.34% |
| Equity capital to assets | 11.39% |
| Tangible equity to tangible assets | 11.39% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.52% |
| Non-performing assets ratio | 0.45% |
| Net charge-off ratio | 0.45% |
| Texas ratio | 0.95% |
| Allowance for credit losses to loans | 1.12% |
| Reserve coverage of non-performing loans | 216.03% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.28% |
| Return on equity | 11.47% |
| Net interest margin | 4.86% |
| Efficiency ratio | 53.88% |
| Yield on earning assets | 6.61% |
| Cost of funds | 1.82% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 99.60% |
| Core deposits to total deposits | 95.34% |
| Brokered deposits to total deposits | 4.39% |
| Deposits to assets | 87.44% |
| Securities to assets | 1.86% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 10.80% | 0.99% |
| Q4 2023 | 11.46% | 11.46% | 12.71% | 10.66% | 0.75% |
| Q1 2024 | 11.25% | 11.25% | 12.42% | 10.71% | 0.95% |
| Q2 2024 | — | — | — | 10.39% | 0.89% |
| Q3 2024 | — | — | — | 10.04% | 1.07% |
| Q4 2024 | — | — | — | 9.88% | 0.98% |
| Q1 2025 | — | — | — | 10.41% | 0.98% |
| Q2 2025 | — | — | — | 10.83% | 1.12% |
| Q3 2025 | — | — | — | 10.87% | 1.28% |
| Q4 2025 | — | — | — | 10.91% | 1.32% |
| Q1 2026 | — | — | — | 11.38% | 1.45% |
| Q2 2026 | — | — | — | 11.34% | 1.28% |
Summit Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Summit Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Summit Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 57706) · FFIEC NIC profile (RSSD 3243282)