Summit State Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 4.61 percentage points lower than in Q1 2026, at 344.89%. Summit State Bank ranks 62nd of 114 California banks on loan-to-deposit ratio, in the lower half at 89.69% (Q2 2026). Summit State Bank reported 89.69% on loan-to-deposit ratio for Q2 2026, 8.85 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $758.9M |
| Net loans and leases | $746.1M |
| Loans held for sale | $0 |
| Loans to total assets | 79.07% |
| Loan-to-deposit ratio | 89.69% |
| Net loans to equity capital | 7.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 76.26% |
| Multifamily (5+ residential) | 2.86% |
| Commercial and industrial | 6.89% |
| Consumer | 0.60% |
| Credit cards | 0.00% |
| Farm | 6.84% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.17% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 344.89% |
| Construction concentration (Tier 1 capital + allowance) | 4.29% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.52% |
| Interest income on loans | $12.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $947.5M | $1.03B | 71.88% | 5.32% | 0.00% |
| Q4 2023 | $953.8M | $1.01B | 73.11% | 5.54% | 0.00% |
| Q1 2024 | $933.2M | $939.2M | 73.47% | 5.67% | 0.00% |
| Q2 2024 | $927.7M | $966.6M | 74.28% | 5.88% | 0.00% |
| Q3 2024 | $932.8M | $1.00B | 73.62% | 6.59% | 0.00% |
| Q4 2024 | $918.8M | $962.6M | 74.12% | 6.50% | 0.00% |
| Q1 2025 | $891.0M | $957.1M | 74.62% | 6.25% | 0.01% |
| Q2 2025 | $868.2M | $922.6M | 75.44% | 6.14% | 0.00% |
| Q3 2025 | $852.4M | $888.8M | 75.60% | 6.22% | 0.04% |
| Q4 2025 | $846.3M | $891.1M | 74.87% | 6.83% | 0.22% |
| Q1 2026 | $791.7M | $879.3M | 76.89% | 6.08% | 0.41% |
| Q2 2026 | $758.9M | $846.1M | 76.26% | 6.89% | 0.60% |
Summit State Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Summit State Bank, freeSource: Call Report Schedule RC-C, 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32203) · FFIEC NIC profile (RSSD 561574)