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Summit Bank
Oakland, CA · FDIC Certificate #23864 · Chartered 07/0
Total assets
$264.44M
Total deposits
$207.59M
Total equity
$43.93M
Net loans
$191.42M
Branches (offices)
4
Net income (YTD)
-$4.68M
Rank: #2,642 of 4,213 U.S. banks by assets · #97 of 115 in California. Assets changed -5.4% and deposits -6.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -3.45% |
| Return on equity | -19.74% |
| Net interest margin (YTD) | 4.79% |
| Equity to assets | 16.61% |
| Tier 1 leverage ratio | 16.37% |
| Uninsured deposits (share of deposits) | 45.1% |
| Noncurrent loans (share of loans) | 1.48% |
| Net charge-offs (share of loans) | 0.72% |
| Loans to deposits | 92.2% |
| Real estate loans (share of loans) | 82.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $158.40M | 82.8% | |
| Commercial & industrial | $28.62M | 15.0% | |
| Consumer / individual | $138.00K | 0.1% | |
| Construction & development | $8.53M | 4.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $376.18M | $329.84M | $875.00K | $38.65M |
| Jun 2023 | $330.44M | $279.74M | $2.90M | $42.58M |
| Jun 2024 | $296.13M | $241.05M | $2.37M | $46.05M |
| Jun 2025 | $279.60M | $222.15M | $1.73M | $48.45M |
| Jun 2026 | $264.44M | $207.59M | -$4.68M | $43.93M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $207.59M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $207.59M.
Similar-sized banks
Texas Financial Bank ($264.56M) · Commercial State Bank ($264.42M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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