Summit Bank

BankOakland, California
www.summitbanking.com

Total Assets

$278.8M

Total Deposits

$220.4M

Branches

3

Established

1982

TFS Health Grade

$
C

74.8 / 100

Average financial health

How we grade

Summit Bank is a bank headquartered in Oakland, California, established in 1982. With $278.8M in total assets and 3 branch locations, it has a TFS Financial Health Grade of C (74.8/100).

Capital & Safety

Tier 1 Capital Ratio
16.78%(8%)
Total Capital Ratio
24.65%(10%)
Non-Performing Loan Ratio
1.04%

Profitability

Return on Assets (ROA)
1.07%(1%)
Return on Equity (ROE)
6.28%(10%)
Net Interest Margin
5.22%
Efficiency Ratio
68.20%(60%)

Lending & Liquidity

Total Loans
$191.4M
Loan-to-Deposit Ratio
83.97%
Net Charge-Off Ratio
0.30%

Growth

Asset Growth (YoY)
-5.19%
Deposit Growth (YoY)
-7.18%
Net Income
$3.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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