Summit Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Open the full regulatory capital analysis: each ratio's numerator and denominator, the capital stack by quarter, risk-weighted assets by exposure category, and peers.
Equity capital to total assets dropped 1.70 percentage points in Q2 2026, from 18.31% to 16.61%. It was the largest change from Q1 2026 among the key lines here. Summit Bank ranks 15th of 74 California banks on CET1 ratio, in the upper half at 20.74% (Q2 2026). Summit Bank reported 20.74% on CET1 ratio for Q2 2026, 5.66 points above the 15.08% median for banks in the $100M-1B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 20.74% |
| Tier 1 risk-based capital ratio | 20.74% |
| Total risk-based capital ratio | 22.01% |
| Tier 1 leverage ratio | 16.37% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $43.9M |
| Tier 1 capital | $43.9M |
| Total risk-based capital | $46.6M |
| Total equity capital | $43.9M |
| Risk-weighted assets | $211.8M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 16.61% |
| Tangible equity to tangible assets | 16.61% |
| Equity capital to average assets | 16.37% |
| Internal capital growth rate | -44.84% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $5.2M |
| Common stock surplus | $0 |
| Retained earnings | $38.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 19.02% | 19.02% | 20.29% | 13.28% | $230.8M |
| Q4 2023 | 20.57% | 20.57% | 21.84% | 14.06% | $219.6M |
| Q1 2024 | 20.81% | 20.81% | 22.08% | 14.28% | $219.8M |
| Q2 2024 | 21.55% | 21.55% | 22.82% | 14.96% | $213.7M |
| Q3 2024 | 21.04% | 21.04% | 22.31% | 15.70% | $224.4M |
| Q4 2024 | 21.49% | 21.49% | 22.76% | 15.90% | $220.9M |
| Q1 2025 | 21.67% | 21.67% | 22.95% | 16.47% | $222.1M |
| Q2 2025 | 22.87% | 22.87% | 24.15% | 16.91% | $211.9M |
| Q3 2025 | 23.00% | 23.00% | 24.28% | 17.10% | $211.2M |
| Q4 2025 | 23.38% | 23.38% | 24.65% | 16.78% | $209.1M |
| Q1 2026 | 22.89% | 22.89% | 24.16% | 17.94% | $216.2M |
| Q2 2026 | 20.74% | 20.74% | 22.01% | 16.37% | $211.8M |
Summit Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Summit Bank, freeSource: Call Report Schedule RC-R, 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 23864) · FFIEC NIC profile (RSSD 351560)