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.
Return on assets dropped 9.11 percentage points in Q2 2026, from 1.05% to -8.06%. It was the largest change from Q1 2026 among the key lines here. On return on assets, Summit Bank is 1st from the bottom among 114 California banks, -8.06% (Q2 2026). Summit Bank's return on assets of -8.06% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 9.32 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 20.74% |
| Tier 1 risk-based capital ratio | 20.74% |
| Total risk-based capital ratio | 22.01% |
| Tier 1 leverage ratio | 16.37% |
| Equity capital to assets | 16.61% |
| Tangible equity to tangible assets | 16.61% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.48% |
| Non-performing assets ratio | 1.11% |
| Net charge-off ratio | 0.84% |
| Texas ratio | 5.87% |
| Allowance for credit losses to loans | 3.04% |
| Reserve coverage of non-performing loans | 204.95% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -8.06% |
| Return on equity | -46.32% |
| Net interest margin | 4.59% |
| Efficiency ratio | 242.75% |
| Yield on earning assets | 5.53% |
| Cost of funds | 1.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.10% |
| Core deposits to total deposits | 88.01% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 78.50% |
| Securities to assets | 0.15% |
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 | 19.02% | 19.02% | 20.29% | 13.28% | 1.60% |
| Q4 2023 | 20.57% | 20.57% | 21.84% | 14.06% | 1.59% |
| Q1 2024 | 20.81% | 20.81% | 22.08% | 14.28% | 1.63% |
| Q2 2024 | 21.55% | 21.55% | 22.82% | 14.96% | 1.39% |
| Q3 2024 | 21.04% | 21.04% | 22.31% | 15.70% | 1.54% |
| Q4 2024 | 21.49% | 21.49% | 22.76% | 15.90% | 1.36% |
| Q1 2025 | 21.67% | 21.67% | 22.95% | 16.47% | 1.24% |
| Q2 2025 | 22.87% | 22.87% | 24.15% | 16.91% | 1.15% |
| Q3 2025 | 23.00% | 23.00% | 24.28% | 17.10% | 0.89% |
| Q4 2025 | 23.38% | 23.38% | 24.65% | 16.78% | 0.92% |
| Q1 2026 | 22.89% | 22.89% | 24.16% | 17.94% | 1.05% |
| Q2 2026 | 20.74% | 20.74% | 22.01% | 16.37% | -8.06% |
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 23864) · FFIEC NIC profile (RSSD 351560)