Summit State Bank

BankSanta Rosa, California
http://www.summitstatebank.com

Total Assets

$1.0B

Total Deposits

$891.1M

Branches

5

Established

1982

TFS Health Grade

$
D-

61.0 / 100

Below average financial health

How we grade

Summit State Bank is a bank headquartered in Santa Rosa, California, established in 1982. With $1.0B in total assets and 5 branch locations, it has a TFS Financial Health Grade of D- (61.0/100).

Capital & Safety

Tier 1 Capital Ratio
10.37%(8%)
Total Capital Ratio
13.69%(10%)
Non-Performing Loan Ratio
2.96%

Profitability

Return on Assets (ROA)
0.66%(1%)
Return on Equity (ROE)
6.99%(10%)
Net Interest Margin
3.56%
Efficiency Ratio
67.25%(60%)

Lending & Liquidity

Total Loans
$846.3M
Loan-to-Deposit Ratio
93.34%
Net Charge-Off Ratio
0.20%

Growth

Asset Growth (YoY)
-5.86%
Deposit Growth (YoY)
-7.42%
Net Income
$6.8M

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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