Summit State Bank: how it compares with its peers
Against 36 CA banks with half to twice its assets, Summit State Bank's strongest measure in Q2 2026 is net interest margin (3.92% vs. a 3.77% peer median). Its weakest relative measure is return on assets (0.07% vs. 1.10%).
| Measure | Summit State Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.07% | 1.10% | Bottom third Ahead of 3% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.92% | 3.77% | Middle third Ahead of 61% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 64.01% | 60.46% | Middle third Ahead of 36% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $9.1M | $9.9M | Middle third Ahead of 39% of peers |
| Loans to deposits Net loans and leases over total deposits. | 88.18% | 92.00% | Context |
What it means for lending operations
Its efficiency ratio of 64.01% is above the 60.46% 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
- C3bank, National Association Encinitas, CA · $949M
- Pinnacle Bank Gilroy, CA · $937M
- American Plus Bank, N.A. Arcadia, CA · $935M
- HCN Bank Riverside, CA · $998M
- Golden State Bank Glendale, CA · $1.00B
- Bank of San Francisco San Francisco, CA · $864M
Questions about Summit State Bank
How big is Summit State Bank?
Summit State Bank, established in 1982, is headquartered in Santa Rosa, CA. It reported $960M in total assets in its Q2 2026 FDIC call report and operates 4 offices.
What is Summit State Bank's return on assets?
0.07% annualized in Q2 2026, against a 1.10% median for 36 CA banks with half to twice its assets, ahead of 3% of them.
What is Summit State Bank's efficiency ratio?
64.01% in Q2 2026: it spent about 64 cents in noninterest expense for each dollar of revenue. The peer median is 60.46%, and lower is better.
Is Summit State Bank growing its loans?
Net loans shrank 12.7% over the year to Q2 2026, while deposits shrank 8.3%.
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.