Summit State Bank
BankRegReports is independent of Summit State Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
Summit State Bank is an FDIC-insured commercial bank headquartered in Santa Rosa, CA, established in 1982 (FDIC certificate 32203), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $959.8M, down 7.0% from Q2 2025, the 61st largest of 113 banks headquartered in California. Its CET1 capital ratio was 13.10% 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
- 32203
- Headquarters
- Santa Rosa, CA
- Established
- 1982
- Total assets, Q2 2026
- $959.8M
- Assets vs Q2 2025
- -7.0%
- CET1 ratio, Q2 2026
- 13.10%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 321181307
- Latest call report
- Q2 2026, FFIEC 051 · Summit State Bank call report
- Asset rank in state
- 61st of 113 in California
Problem loans are rising at Summit State Bank. Based in Santa Rosa, California, it had $960 million in assets at June 30, 2026, down 7.0% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 2.31% of loans from 1.05% a year earlier. It loses about $0.54 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also holds commercial real estate loans worth 3.4 times its capital, about triple the median of 1.2 times for banks its size.
It lost $1.3 million in the quarter. The non-owner-occupied commercial real estate book ($379 million) is worsening: 2.66% of it is past due or on nonaccrual, up from 0.22% a year earlier. Credit is the area to watch: it carries problem assets equal to 17.8% of the capital and reserves that would absorb them, 6.7 times the median of 2.6% for banks its size.
As of June 30, 2026, Summit State Bank reported a CET1 capital ratio of 13.10%, a return on assets of -0.54%, a nonperforming-loan ratio of 2.43% and a Texas ratio of 17.79%. The figures come from its call report filed with the FFIEC.
Summit State Bank ranks as the 61st largest of the 113 banks based in California, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 3.6% to $959.8M, loans fell 4.1% and deposits fell 3.8%. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 49.9% of total loans, ahead of owner-occupied commercial real estate loans at 26.3%. The FDIC Summary of Deposits lists 4 offices for it, in 4 cities in CA; its Santa Rosa office books 64% of its branch deposits. On its Q2 2026 call report, Summit State Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 500 Bicentennial Way, Santa Rosa, CA 95403
- County
- Sonoma
- Metro Area
- Santa Rosa-Petaluma, 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
- January 1, 1982
- Former names
- Summit Savings, FSB (1990-1999)
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 106
- Domestic deposits
- $846.1M
- Allowance for credit losses
- $12.8M
- Net charge-offs (YTD)
- $8.7M
- Average total assets
- $974.3M
- Average total loans
- $779.0M
- Average interest-bearing deposits
- $682.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 32203
- Fed RSSD
- 561574
- Website
- http://www.summitstatebank.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
Over the 12 quarters to Q2 2026, Summit State Bank's total assets ran between $959.8M (Q2 2026) and $1.14B (Q3 2023), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$959.8M total assets against $1.03B; $858.4M total liabilities against $934.4M.
$746.1M net loans and leases against $855.1M; $846.1M total deposits against $922.6M.
$62.5M securities against $67.4M; $112.6M cash and balances due against $66.4M.
$14.1M total interest income against $15.2M; $4.7M total interest expense against $6.0M.
$9.3M net interest income against $9.2M.
$871K total noninterest income against $211K; $6.3M total noninterest expense against $6.2M.
$5.9M provision for credit losses against -$55K.
-$1.3M net income against $2.4M.
-0.54% return on assets against 0.92%; 3.91% net interest margin against 3.61%.
13.10% CET1 capital ratio against 11.17%; 10.84% tier 1 leverage ratio against 9.84%.
Inside the full Summit State 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 exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Summit State Bank rankings
Its closest position to the top of a national ranking is 227 of 3,640, for Texas Ratio; its furthest is 3,553 of 3,611, for ROA.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -2.60% (Q4 2024) to 0.94% (Q1 2025) and its net interest margin ran from 2.71% (Q3 2024) to 3.91% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.10% | -0.54% | 2.43% | 17.79% | 3.91% |
| Q1 2026 | 12.91% | 0.67% | 4.15% | 29.64% | 3.69% |
| Q4 2025 | 12.03% | 0.42% | 2.96% | 24.22% | 3.62% |
| Q3 2025 | 11.55% | 0.32% | 2.76% | 25.23% | 3.50% |
| Q2 2025 | 11.17% | 0.92% | 1.07% | 12.47% | 3.61% |
| Q1 2025 | 10.67% | 0.94% | 1.96% | 18.85% | 3.11% |
| Q4 2024 | 10.14% | -2.60% | 3.02% | 27.70% | 2.86% |
| Q3 2024 | 10.39% | 0.23% | 3.95% | 33.88% | 2.71% |
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 State Bank (main office) | Santa Rosa , CA | 95403 | $539.9M |
| Healdsburg Branch | Healdsburg , CA | 95448 | $117.2M |
| Petaluma Branch | Petaluma , CA | 94952 | $106.6M |
| Rohnert Park Branch | Rohnert Park , CA | 94928 | $82.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CA, rank 87 of 164 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 15 loans, $22.5M approved, $1.5M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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
Add this badge to your website
Free to use. It shows Summit State Bank’s latest filed figures and updates each quarter.
Similar banks
Compare Summit State Bank with peers
Frequently asked about Summit State Bank
What are Summit State Bank's total assets?
As of the Q2 2026 filing, Summit State Bank reported total assets of $959.8 million in its FFIEC call report.
Where is Summit State Bank headquartered?
It is headquartered in Santa Rosa, CA, United States.
When was Summit State Bank founded?
It was established in 1982, per the FDIC institution directory.
Is Summit State Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #32203). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Summit State Bank?
Summit State Bank's primary federal regulator is the FDIC.
What is Summit State Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.10% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Summit State 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 State Bank's Texas Ratio?
Its Texas Ratio is 17.79% 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.
What was Summit State Bank previously called?
The charter now named Summit State Bank has also operated as Summit Savings, FSB (1990-1999), per FDIC structure-change records.
Go deeper on Summit State Bank.
Get an email when Summit State Bank files its next call report, and benchmark it against any peer you choose.
Unlock Summit State Bank, freeFree account