Summit State Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Summit State Bank of Santa Rosa, CA against its peer group of 2672 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 | -0.54% | 1.35% | -1.89% | 3rd bottom |
| ROAE | -5.13% | 13.33% | -18.46% | 3rd bottom |
| Net Interest Margin | 3.91% | 3.93% | -0.02% | 48th below |
| Efficiency Ratio Behind the peer average, ahead of the median peer. | 61.22% | 61.14% | +0.08% | 50th above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.62% | 1.68% | -0.06% | 52nd above |
| Yield on Earning Assets | 5.88% | 5.67% | +0.21% | 63rd above |
| Cost of Funds | 2.15% | 1.88% | +0.27% | 29th below |
| Net Interest Spread | 3.11% | 3.32% | -0.21% | 38th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.48% | 0.94% | +1.54% | 9th bottom |
| NPA / Total Assets | 2.20% | 0.70% | +1.50% | 6th bottom |
| NCO / Avg Loans | 4.44% | 0.15% | +4.29% | 1st bottom |
| ACL / Total Loans | 1.69% | 1.28% | +0.41% | 87th top |
| ACL / NPLs (Coverage) | 68.07% | 1540.17% | -1472.10% | 17th bottom |
| Texas Ratio | 18.95% | 7.32% | +11.63% | 9th bottom |
| Provision / NCO | 80.66% | 1397.35% | -1316.69% | 35th below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 13.10% | 19.51% | -6.41% | 29th below |
| Tier 1 Ratio | 13.10% | 19.55% | -6.45% | 29th below |
| Total Capital Ratio | 14.80% | 20.63% | -5.83% | 36th below |
| Leverage Ratio | 10.84% | 12.14% | -1.30% | 48th below |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.56% | 11.38% | -0.82% | 54th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.31% | 11.09% | -0.78% | 54th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 89.69% | 80.63% | +9.06% | 29th below |
| Core Deposit Ratio | 86.22% | 86.86% | -0.64% | 35th below |
| Uninsured Deposit Ratio Behind the peer average, ahead of the median peer. | 24.38% | 20.67% | +3.71% | 50th above |
| Wholesale Funding Ratio | 0.76% | 5.04% | -4.28% | 85th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -7.04% | 6.86% | -13.90% | 3rd bottom |
| Loan Growth (Y/Y) | -12.59% | 7.92% | -20.51% | 2nd bottom |
| Deposit Growth (Y/Y) | -8.29% | 6.30% | -14.59% | 3rd bottom |
See Summit State Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Summit State 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 State Bank profile, how to read a UBPR, or how this data updates.