Summit State 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 20.79 percentage points higher than in Q1 2026, at 68.07%. Summit State Bank has the 11th lowest return on assets of the 114 banks headquartered in California, at -0.54% as of Q2 2026. Against a median of 1.25% for banks in the $100M-1B asset tier, Summit State Bank reported -0.54% on return on assets in Q2 2026, 1.79 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.10% |
| Tier 1 risk-based capital ratio | 13.10% |
| Total risk-based capital ratio | 14.80% |
| Tier 1 leverage ratio | 10.84% |
| Equity capital to assets | 10.56% |
| Tangible equity to tangible assets | 10.31% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.48% |
| Non-performing assets ratio | 2.20% |
| Net charge-off ratio | 4.44% |
| Texas ratio | 18.95% |
| Allowance for credit losses to loans | 1.69% |
| Reserve coverage of non-performing loans | 68.07% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -0.54% |
| Return on equity | -5.13% |
| Net interest margin | 3.91% |
| Efficiency ratio | 61.22% |
| Yield on earning assets | 5.88% |
| Cost of funds | 2.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.69% |
| Core deposits to total deposits | 86.22% |
| Brokered deposits to total deposits | 6.06% |
| Deposits to assets | 88.16% |
| Securities to assets | 6.52% |
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 | 9.65% | 9.65% | 11.49% | 8.47% | 0.63% |
| Q4 2023 | 9.90% | 9.90% | 11.75% | 8.85% | 0.68% |
| Q1 2024 | 10.37% | 10.37% | 12.24% | 9.21% | 0.51% |
| Q2 2024 | 10.22% | 10.22% | 12.08% | 9.31% | 0.34% |
| Q3 2024 | 10.39% | 10.39% | 12.13% | 9.18% | 0.23% |
| Q4 2024 | 10.14% | 10.14% | 11.89% | 8.87% | -2.60% |
| Q1 2025 | 10.67% | 10.67% | 12.43% | 9.45% | 0.94% |
| Q2 2025 | 11.17% | 11.17% | 12.94% | 9.84% | 0.92% |
| Q3 2025 | 11.55% | 11.55% | 13.20% | 10.24% | 0.32% |
| Q4 2025 | 12.03% | 12.03% | 13.69% | 10.37% | 0.42% |
| Q1 2026 | 12.91% | 12.91% | 14.60% | 10.67% | 0.67% |
| Q2 2026 | 13.10% | 13.10% | 14.80% | 10.84% | -0.54% |
Summit State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Summit State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 32203) · FFIEC NIC profile (RSSD 561574)