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 Oakland, CA against its peer group of 2757 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 | -8.06% | 1.25% | -9.31% | 0th bottom |
| ROAE | -46.32% | 12.22% | -58.54% | 0th bottom |
| Net Interest Margin | 4.59% | 3.95% | +0.64% | 82nd top |
| Efficiency Ratio | 242.75% | 63.71% | +179.04% | 0th bottom |
| Yield on Earning Assets | 5.53% | 5.67% | -0.14% | 46th below |
| Cost of Funds | 1.07% | 1.87% | -0.80% | 89th top |
| Net Interest Spread | 3.46% | — | — | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.48% | 0.88% | +0.60% | 19th bottom |
| NPA / Total Assets | 1.11% | — | — | 19th bottom |
| NCO / Avg Loans | 0.84% | 0.15% | +0.69% | 4th bottom |
| ACL / Total Loans | 3.04% | — | — | 99th top |
| ACL / NPLs (Coverage) | 204.95% | — | — | 49th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.87% | 5.96% | -0.09% | 31st below |
| Provision / NCO | 59.83% | — | — | 29th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 20.74% | 17.18% | +3.56% | 79th top |
| Tier 1 Ratio | 20.74% | 17.21% | +3.53% | 79th top |
| Total Capital Ratio | 22.01% | — | — | 80th top |
| Leverage Ratio | 16.37% | 11.75% | +4.62% | 91st top |
| Equity / Assets | 16.61% | 10.98% | +5.63% | 92nd top |
| TCE / Tangible Assets | 16.61% | — | — | 93rd top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 95.10% | 80.44% | +14.66% | 18th bottom |
| Core Deposit Ratio Ahead of the peer average, behind the median peer. | 88.01% | 86.95% | +1.06% | 44th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -5.42% | — | — | 4th bottom |
| Loan Growth (Y/Y) | -0.58% | — | — | 20th bottom |
| Deposit Growth (Y/Y) | -6.56% | — | — | 4th bottom |
See Summit Bank's peers by name
The 2757 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.