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Summit State Bank
Santa Rosa, CA · FDIC Certificate #32203 · Chartered 01/0
Total assets
$959.78M
Total deposits
$846.13M
Total equity
$101.36M
Net loans
$746.10M
Branches (offices)
4
Net income (YTD)
$367.00K
Rank: #1,078 of 4,213 U.S. banks by assets · #62 of 115 in California. Assets changed -7.0% and deposits -8.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.07% |
| Return on equity | 0.72% |
| Net interest margin (YTD) | 3.92% |
| Equity to assets | 10.56% |
| Tier 1 leverage ratio | 10.84% |
| Uninsured deposits (share of deposits) | 24.4% |
| Noncurrent loans (share of loans) | 2.43% |
| Net charge-offs (share of loans) | 2.17% |
| Loans to deposits | 88.2% |
| Real estate loans (share of loans) | 93.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $699.64M | 93.8% | |
| Commercial & industrial | $52.28M | 7.0% | |
| Consumer / individual | $4.57M | 0.6% | |
| Construction & development | $5.07M | 0.7% | |
| Agricultural | $1.12M | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $980.78M | $819.93M | $8.44M | $84.66M |
| Jun 2023 | $1.16B | $1.05B | $7.10M | $94.44M |
| Jun 2024 | $1.08B | $966.59M | $2.32M | $97.95M |
| Jun 2025 | $1.03B | $922.61M | $4.91M | $98.11M |
| Jun 2026 | $959.78M | $846.13M | $367.00K | $101.36M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| California | $846.13M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $846.13M.
Similar-sized banks
Harleysville Bank ($963.59M) · Diamond Bank ($957.21M)
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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