Summit Bank: how it compares with its peers
Against 30 CA banks with half to twice its assets, Summit Bank's strongest measure in Q2 2026 is net interest margin (4.79% vs. a 3.87% peer median). Its weakest relative measure is return on assets (-3.45% vs. 0.65%).
| Measure | Summit Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -3.45% | 0.65% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.79% | 3.87% | Top third Ahead of 83% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 152.65% | 76.68% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.3M | $7.7M | Middle third Ahead of 60% of peers |
| Loans to deposits Net loans and leases over total deposits. | 92.21% | 96.85% | Context |
What it means for lending operations
Its efficiency ratio of 152.65% is above the 76.68% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Capital Bank and Trust Company Irvine, CA · $266M
- Home Bank of California San Diego, CA · $255M
- Mission National Bank San Francisco, CA · $276M
- Gateway Bank, F.S.B. Oakland, CA · $288M
- Metropolitan Bank Oakland, CA · $230M
- Monterey County Bank Monterey, CA · $300M
Questions about Summit Bank
How big is Summit Bank?
Summit Bank, established in 1982, is headquartered in Oakland, CA. It reported $264M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is Summit Bank's return on assets?
-3.45% annualized in Q2 2026, against a 0.65% median for 30 CA banks with half to twice its assets, ahead of 0% of them.
What is Summit Bank's efficiency ratio?
152.65% in Q2 2026: it spent about 153 cents in noninterest expense for each dollar of revenue. The peer median is 76.68%, and lower is better.
Is Summit Bank growing its loans?
Net loans shrank 0.1% over the year to Q2 2026, while deposits shrank 6.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are CA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every California bank ranked.