Summit Bank (Oakland, CA)
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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 Oakland, CA, established in 1982 (FDIC certificate 23864), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $264.4M, down 5.4% from Q2 2025. Its CET1 capital ratio was 20.74% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 23864
- Headquarters
- Oakland, CA
- Established
- 1982
- Total assets, Q2 2026
- $264.4M
- Assets vs Q2 2025
- -5.4%
- CET1 ratio, Q2 2026
- 20.74%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 121138958
Problem loans are rising at Summit Bank. Its balance sheet stood at $264 million at June 30, 2026, down 5.4% from a year earlier; it is based in Oakland, California. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.48% of loans from 0.00% a year earlier. It is losing 46.3% a year on shareholders' equity, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 12.5%). On the other hand, it funds 16.37% of its assets with Tier 1 capital, higher than about 9 in 10 banks its size (median 10.99%).
It lost $5.4 million in the quarter. The non-owner-occupied commercial real estate book ($91 million) is worsening: 6.81% of it is past due or on nonaccrual, up from 2.61% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.7 times its capital, about double the median of 1.2 times for banks its size.
As of June 30, 2026, Summit Bank reported a CET1 capital ratio of 20.74%, a return on assets of -8.06%, a nonperforming-loan ratio of 1.48% and a Texas ratio of 5.87%. The figures come from its call report filed with the FFIEC.
From Q1 2026 to Q2 2026, its total assets fell 2.1% to $264.4M, loans fell 0.1% and deposits fell 1.8%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 46.1% of total loans, ahead of commercial and industrial loans at 14.5%. Its 4 offices in the FDIC Summary of Deposits are in Oakland, CA, Walnut Creek, CA and Emeryville, CA; its Oakland 2 offices book 52% of its branch deposits. By the capital ratios in its Q2 2026 call report, Summit Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 2969 Broadway, Oakland, CA 94611
- County
- Alameda
- Metro Area
- San Francisco-Oakland-Fremont, CA
- 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
- July 1, 1982
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 32
- Domestic deposits
- $207.6M
- Allowance for credit losses
- $6.0M
- Net charge-offs (YTD)
- $702K
- Average total assets
- $268.4M
- Average total loans
- $197.0M
- Average interest-bearing deposits
- $125.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 1, 1982
- FDIC Cert
- 23864
- Fed RSSD
- 351560
- Website
- www.summitbanking.com →
Profitability
Q2 annualizedCapital & Liquidity
Balance 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. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Summit Bank's total assets ranged from $264.4M (Q2 2026) to $330.2M (Q3 2023), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$264.4M total assets against $279.6M; $220.5M total liabilities against $231.1M.
$191.4M net loans and leases against $191.7M; $207.6M total deposits against $222.2M.
$396K securities against $388K; $55.1M cash and balances due against $68.9M.
$3.5M total interest income against $4.0M; $591K total interest expense against $499K.
$2.9M net interest income against $3.5M.
$141K total noninterest income against $181K; $7.4M total noninterest expense against $2.4M.
$420K provision for credit losses against $150K.
-$5.4M net income against $822K.
-8.06% return on assets against 1.15%; 4.59% net interest margin against 5.13%.
20.74% CET1 capital ratio against 22.87%; 16.37% tier 1 leverage ratio against 16.91%.
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 are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -8.06% (Q2 2026) to 1.54% (Q3 2024) and its net interest margin ran from 4.59% (Q2 2026) to 5.34% (Q4 2024).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 20.74% | -8.06% | 1.48% | 5.87% | 4.59% |
| Q1 2026 | 22.89% | 1.05% | 1.54% | 5.50% | 4.64% |
| Q4 2025 | 23.38% | 0.92% | 1.04% | 3.59% | 5.19% |
| Q3 2025 | 23.00% | 0.89% | 3.96% | 13.98% | 4.67% |
| Q2 2025 | 22.87% | 1.15% | 0.00% | 0.00% | 5.13% |
| Q1 2025 | 21.67% | 1.24% | 0.00% | 0.00% | 5.04% |
| Q4 2024 | 21.49% | 1.36% | 0.00% | 0.00% | 5.34% |
| Q3 2024 | 21.04% | 1.54% | 0.00% | 0.00% | 5.05% |
Swipe the table sideways to see every column.
Branch Network
View all 4 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) | Oakland , CA | 94611 | $107.4M |
| Walnut Creek Branch | Walnut Creek , CA | 94596 | $80.8M |
| Emeryville Branch | Emeryville , CA | 94608 | $19.4M |
| Summit Bank Branch | Oakland , CA | 94611 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 2, 2026 | Structure Change | Charter Discontinued (Merger or Purchase & Assumption) | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 134 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $103K approved, $103K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2012 (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 $264.4 million in its FFIEC call report.
Where is Summit Bank headquartered?
It is headquartered in Oakland, CA, United States.
When was Summit Bank founded?
It was established in 1982, per the FDIC institution directory.
Is Summit Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23864). 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.
What is Summit Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 20.74% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Summit Bank operate?
It operates 4 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 5.87% 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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