Bank call report · Santa Rosa, CA
Summit State Bank Call Report
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Summit State Bank filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 340 reported line items, schedule by schedule (744 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 561574 |
| FDIC certificate number | 32203 |
| Total assets | $959.8M |
Official Q2 2026 call report PDF (FFIEC) →
Summit State Bank call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · Summit State Bank balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $959.8M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $959.8M |
| Total Liabilities and Minority Interest | RCON2948 | $858.4M |
| Total Deposits | RCON2200 | $846.1M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $758.9M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $746.1M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $659.7M |
| Deposits: Noninterest-bearing | RCON6631 | $186.4M |
| Interest-bearing Balances | RCON0071 | $102.4M |
| Total Equity Capital | RCON3210 | $101.4M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $101.4M |
| Undivided Profits and Capital Reserves | RCON3632 | $70.0M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $62.5M |
| Common Stock | RCON3230 | $38.0M |
| Other Assets | RCON2160 | $27.4M |
| Allowance for Loan and Lease Losses | RCON3123 | $12.8M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $10.2M |
| Accumulated Other Comprehensive Income | RCONB530 | -$6.7M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $6.1M |
| Subordinated Notes and Debentures | RCON3200 | $6.0M |
| Other Liabilities, Total | RCON2930 | $5.0M |
| Intangible Assets | RCON2143 | $2.7M |
| Other Real Estate Owned | RCON2150 | $2.3M |
| Other Borrowed Money | RCON3190 | $1.4M |
Schedule RI: Income Statement (39 items)
About Schedule RI · Summit State Bank income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $28.1M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $25.1M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $21.6M |
| Net Interest Income | RIAD4074 | $18.4M |
| Total Noninterest Expense | RIAD4093 | $12.9M |
| Total Interest Expense | RIAD4073 | $9.7M |
| Salaries and Employee Benefits | RIAD4135 | $8.0M |
| Provision for Loan and Lease Losses | RIAD4230 | $7.0M |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $6.9M |
| Other Noninterest Expense | RIAD4092 | $4.3M |
| Savings Deposits (Including Mmdas) | RIAD0093 | $3.1M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $2.8M |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $2.4M |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $1.9M |
| Total Noninterest Income | RIAD4079 | $1.8M |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $1.8M |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $1.2M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.2M |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $805K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $624K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $526K |
| Net Servicing Fees | RIADB492 | $460K |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $367K |
| Net Income (Loss) | RIAD4340 | $367K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $367K |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $328K |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $328K |
| Other Interest Income | RIAD4518 | $309K |
| Interest on Other Securities | RIAD4060 | $297K |
| Other Noninterest Income | RIADB497 | $282K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $282K |
| Other Interest Expense | RIADGW44 | $244K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $229K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $113K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $84K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $62K |
| Applicable Income Taxes | RIAD4302 | -$39K |
| Estimated Income on Tax-exempt Loans and Leases to States and Political Subdivisions in the U.S. | RIAD4313 | $37K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 106 |
Schedule RC-B: Securities (14 items)
About Schedule RC-B · Summit State Bank securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $72.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $47.0M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $39.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $29.6M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $17.6M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $17.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $13.8M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $8.6M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $7.3M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $6.2M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $6.2M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $4.3M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $3.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $1.2M |
Schedule RC-C, Part I: Loans and Leases (32 items)
About Schedule RC-C, Part I · Summit State Bank loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $758.9M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $378.9M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA575 | $306.5M |
| Pledged Loans and Leases | RCONG378 | $287.5M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $199.8M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $122.6M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $79.5M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $77.3M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $72.0M |
| Commercial and Industrial Loans | RCON1766 | $52.3M |
| Real Estate Loans Secured by Farmland | RCON1420 | $51.9M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $47.7M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $41.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $41.3M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $23.9M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $21.7M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over 15 Years | RCONA569 | $19.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $12.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $5.3M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $5.1M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $4.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $3.3M |
| Loans to Finance Commercial Real Estate, Construction, and Land Development Activities Included in Items 1766, 1563 for (Fr Y-9C), in Items 1766, 1563 for (FFIEC 031), in Items 1766, 1564 for (FFIEC 032 and 033), and in Items 1766, 2080 for (FFIEC 034) | RCON2746 | $1.8M |
| Obligations (Other Than Securities and Leases) of States and Political Subdivisions in the U.S. | RCON2107 | $1.3M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $1.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $662K |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $505K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $431K |
| Loan Modifications to Borrowers Experiencing Financial Difficulty - Commercial and Industrial Loans | RCONK256 | $359K |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty That Are in Compliance with Their Modified Terms | RCONHK25 | $359K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $22K |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $16K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (18 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $59.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $24.9M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $4.4M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $3.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $2.7M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $2.1M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $283K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $199K |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $48K |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 118 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 63 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 39 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 35 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 21 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 6 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 2 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 2 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 1 |
Schedule RC-E: Deposit Liabilities (30 items)
About Schedule RC-E · Summit State Bank deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $437.4M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $419.7M |
| Total Transaction Accounts | RCON2215 | $408.7M |
| Total Demand Deposits (See Note Below) | RCON2210 | $381.0M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $356.0M |
| Total reciprocal deposits | RCONJH83 | $223.0M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $184.1M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $145.1M |
| Sweep deposits: Fully insured, non-affiliate sweep deposits | RCONMT91 | $125.0M |
| Total sweep deposits that are not brokered deposits | RCONMT95 | $125.0M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $105.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $85.5M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $65.3M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $64.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $59.7M |
| Selected Components of Total Deposits, Brokered Deposits of 250000 or Less (Fully Insured Brokered Deposits) | RCONHK05 | $51.3M |
| Total Brokered Deposits | RCON2365 | $51.3M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $45.7M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $42.9M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $41.3M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $41.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $21.7M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $16.6M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $7.1M |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $6.9M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $3.8M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $1.3M |
| Total Nontransaction Accounts of Commercial Banks and Other Depository Institutions in the U.S. | RCONB552 | $1.2M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $665K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $337K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCON2168 | $10.1M |
| Net Deferred Tax Assets | RCON2148 | $8.4M |
| First Itemized Amount That Exceeds 25% of All Other Assets (2168) | RCON3549 | $6.1M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $5.9M |
| Accrued Interest Receivable | RCONB556 | $3.1M |
| Accounts Receivable | RCONFT34 | $2.6M |
Schedule RC-G: Other Liabilities (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $3.3M |
| All Other Liabilities | RCON2938 | $848K |
| First Itemized Amount That Exceeds 25% of All Other Liabilities (2938) or (2942) | RCON3552 | $458K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $403K |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $379K |
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Summit State Bank quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $974.3M |
| Quarterly Average of Total Loans | RCON3360 | $779.0M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $679.0M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $228.8M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $226.1M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $159.3M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $99.8M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $67.8M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $53.5M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $47.0M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $42.8M |
| All Other Securities | RCONB560 | $17.7M |
| Mortgage-backed Securities | RCONB559 | $7.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $3.7M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $1.4M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $1.3M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (8 items)
About Schedule RC-L · Summit State Bank derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| All Other Off-balance Sheet Liabilities | RCON3430 | $47.5M |
| Standby Letters of Credit Issued by a Federal Home Loan Bank on the Bank's Behalf | RCONC978 | $47.5M |
| Performance Standby Letters of Credit | RCON3821 | $40.8M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $39.0M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $6.8M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $2.0M |
| Commercial Real Estate, Construction, and Land Development: Commitments to Fund Loans Not Secured by Real Estate | RCON6550 | $1.6M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $1.3M |
Schedule RC-M: Memoranda (7 items)
About Schedule RC-M · Summit State Bank memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $2.8M |
| All other intangible assets | RCONJF76 | $2.7M |
| All Other Real Estate Owned: Nonfarm Nonresidential Properties in Domestic Offices | RCON5512 | $2.3M |
| Secured Liabilities: Amount of 'Other Borrowings' That Are Secured | RCONF065 | $1.4M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF061 | $1.4M |
| Other Borrowed Money: Other Borrowings with a Remaining Maturity or Next Repricing Date of Over Five Years | RCONF063 | $8K |
| Number of Executive Officers, Directors, and Principal Shareholders to Whom the Amount of All Extensions of Credit by the Reporting Bank (Including Extensions of Credit to Related Interests) Equals or Exceeds the Lesser of $500,000 or 5 Percent of Total Capital as Defined for This Purpose in Agency Regulations | RCON6165 | 3 |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (15 items)
About Schedule RC-N · Summit State Bank past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $18.5M |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $10.1M |
| Nonaccrual Assets Sold During the Quarter | RCONC411 | $9.0M |
| Additions to Nonaccrual Assets | RCONC410 | $8.4M |
| Loan Modifications to Borrowers Experiencing Financial Difficulty Loans Secured by Owner Occupied Nonfarm Nonresidential Properties: Nonaccrual | RCONK116 | $6.5M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $6.5M |
| Total Loan Modifications to Borrowers Experiencing Financial Difficulty Included in Schedule Rc-n Items 1 Through 7 Above and Not Reported in Schedule Rc-c, Part I, Memo Item 1, Nonaccrual | RCONHK28 | $6.5M |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $1.9M |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Nonaccrual | RCONK038 | $1.2M |
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.0M |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' : Nonaccrual | RCONK041 | $931K |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Past Due 30 Through 89 Days and Still Accruing | RCON3493 | $753K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $257K |
| Loans and Leases Reported in the Past Due and Nonaccrual Loans, Leases and Other Assets Which Are Wholly or Partially Guaranteed by the U.S. Government , Excluding Loans and Leases Covered by Loss-sharing Agreements with the FDIC - Past Due 30 Through 89 Days and Still Accruing | RCONK036 | $257K |
| Guaranteed Portion of Loans and Leases Included in Item 10, Excluding Rebooked 'Gnma Loans' Past Due 30 Through 89 Days and Still Accruing | RCONK039 | $193K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (14 items)
About Schedule RC-O · Summit State Bank other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Subordinated Notes and Debentures with a Remaining Maturity of Over Three Years Through Five Years | RCONG471 | $6.0M |
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $984.0M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $846.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $476.5M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $362.7M |
| Estimated Amount of Uninsured Assessable Deposits in Domestic Offices of the Bank and in Insured Branches in Puerto Rico and U.S. Territories and Possessions, Including Related Interest Accrued and Unpaid | RCON5597 | $206.3M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $107.2M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $6.2M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $1.1M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 7,782 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 722 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 148 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 3 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Summit State Bank regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (24 items)
About Schedule RC-R, Part I · Summit State Bank regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $974.3M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $971.6M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $804.0M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $119.0M |
| Common Equity Tier 1 Capital | RCOAP859 | $105.4M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $105.4M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $105.4M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $101.4M |
| Retained Earnings | RCOAKW00 | $70.0M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $38.0M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $13.7M |
| Tier 2 Capital Before Deductions | RCOAP870 | $13.7M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $10.1M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$6.7M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$6.7M |
| Tier 2 Capital Instruments Plus Related Surplus | RCOAP866 | $3.6M |
| Intangible Assets (Other Than Goodwill and Mortgage Servicing Assets (Msas)), Net of Associated Dtls | RCOAP842 | $2.7M |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $2.7M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.148 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.131 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.131 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1084 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.068 |
Schedule RC-R, Part II: Risk-Weighted Assets (54 items)
About Schedule RC-R, Part II · Summit State Bank risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $807.1M |
| Total Risk-weighted Assets | RCONG641 | $804.0M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $761.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $761.4M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $726.6M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $682.3M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $665.6M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $125.3M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $121.5M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $112.6M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $110.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $70.3M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $70.3M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $62.5M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $56.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $55.7M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $55.7M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $55.6M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $54.4M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $40.8M |
| Total All Other Assets | RCOND981 | $38.6M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $27.8M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $27.0M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $26.5M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $23.7M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $20.4M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $18.5M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $17.6M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $17.4M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$16.8M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 100 Pct Risk Weight Category | RCONS454 | $15.9M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $14.1M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $13.5M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $13.5M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$9.4M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $9.4M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $7.3M |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $6.1M |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $5.5M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $4.7M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $3.9M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $3.8M |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 0 Pct Risk Weight Category | RCOND999 | $3.0M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $2.5M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $2.5M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $2.5M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 0 Pct Risk Weight Category | RCONS451 | $1.7M |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $1.6M |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $1.6M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $936K |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $932K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 0% | RCONS527 | $844K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $363K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $118K |
Schedule RI-A: Changes in Bank Equity Capital (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $101.4M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $101.2M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $101.2M |
| Other Comprehensive Income | RIADB511 | -$270K |
| Sale, Conversion, Acquisition, or Retirement of Capital Stock, Net (Excluding Treasury Stock Transactions) | RIADB509 | $86K |
| Other Transactions with Stockholders (Including Parent Holding Company) | RIAD4415 | $3K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (5 items)
About Schedule RI-B, Part I · Summit State Bank charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $8.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties: Charge-offs | RIADC897 | $5.1M |
| Charge-offs on Loans Secured by Farmland | RIAD3584 | $3.6M |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $31K |
| Recoveries on Loans Secured by Farmland | RIAD3585 | $31K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (7 items)
About Schedule RI-B, Part II · Summit State Bank changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $14.5M |
| Allowance for Loan and Lease Losses | RIAD3123 | $12.8M |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $8.7M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$29K |
| Balance most recently reported for end of previous calendar year, Available-for-sale debt securities | RIADJH94 | $4K |
| Provisions for credit losses, Available-for-sale debt securities | RIADJH96 | -$3K |
| Balance at end of current period, Available-for-sale debt securities | RIADJH99 | $1K |
Schedule RI-C: Disaggregated Data on the Allowance for Credit Losses (12 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Loans and Leases, Held for Investment, Total, Amortized Cost | RCONJJ11 | $748.2M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Amortized Cost | RCONJJ05 | $626.0M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Amortized Cost | RCONJJ06 | $63.9M |
| Loans and Leases, Held for Investment, Commerical loans, Amortized Cost | RCONJJ07 | $48.6M |
| Loans and Leases, Held for Investment, Total, Allowance Balance | RCONJJ19 | $12.8M |
| Loans and Leases, Held for Investment, Real estate loans, Commercial real estate loans, Allowance Balance | RCONJJ13 | $10.3M |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Amortized Cost | RCONJJ04 | $5.1M |
| Loans and Leases, Held for Investment, Other consumer loans, Amortized Cost | RCONJJ09 | $4.6M |
| Loans and Leases, Held for Investment, Commerical loans, Allowance Balance | RCONJJ15 | $1.4M |
| Loans and Leases, Held for Investment, Real estate loans, Residential real estate loans, Allowance Balance | RCONJJ14 | $816K |
| Loans and Leases, Held for Investment, Real estate loans, Construction loans, Allowance Balance | RCONJJ12 | $164K |
| Loans and Leases, Held for Investment, Other consumer loans, Allowance Balance | RCONJJ17 | $76K |
Schedule RI-E: Explanations (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| First Itemized Transaction of Other Transactions with Stockholders (Including Parent Holding Company) (4415) | RIAD4498 | $3K |
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Closed End 1-4 Family Residential Mortgage Loans Serviced for Others Plus the Total Outstanding Principal Balance of Other Financial Assets Serviced for Others If More Than $10 Million | RCONFT12 | $157.8M |
Summit State Bank call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Summit State Bank call report?
The Summit State Bank call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Summit State Bank file?
Summit State Bank files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Summit State Bank call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Summit State Bank has Federal Reserve RSSD ID 561574 and FDIC certificate number 32203. Either one finds its filings on the FFIEC Central Data Repository.
How often does Summit State Bank file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Summit State Bank financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 32203) · FFIEC NIC profile (RSSD 561574)