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Q2 2026 · read from the 30 June 2026 Call Report · United States · Pacific · California, the state note

Summit State Bank

Santa Rosa, California · $960M in assets · beside the 11 other California banks between $300M and $1B

The filing

2.43%
NPA / loans
11th of 12
0.08%
ROA
11th of 12
-12.6%
Loans, year over year
11th of 12, largest first

Summit State Bank is the second largest of the 12 California banks nearest its size between $300M and $1B, with $960M in assets at 30 June 2026. Loans are 89.7% of deposits, 6th of 12 against a median of 90.7%, and equity is 10.6% of assets, 7th of 12. Loans grew -12.6% in the year, 11th of 12, and deposits fell 8.3%; the cohort's median loan growth is +5.2%.

Noncurrent loans are 2.43% of the book, 11th of 12 against a median of 0.32%; 0.13% is 30 to 89 days past due, and the allowance covers them 0.7 times. Net charge-offs are 2.28% of loans, 11th of 12. Commercial real estate is 53.5% of loans, 8th of 12 against a median of 50.9%, and 341% of capital, above the 300% screen, with construction at 4% against the 100% screen.

Return on assets is 0.08%, 11th of 12 against a median of 0.86%, on an efficiency ratio of 64.0%, 6th of 11. Five years ago it was 1.62%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 26.3% of loans).

Nonperforming loans, share of loansCA banks $300M to $1B · 30 June 2026 · lower is stronger, listed first
median 0.32% HB HCN Bank 0.00% CN C3bank National Association 0.00% RV River Valley Community Bank 0.00% AP American Plus Bank N A 0.04% Bo Bank of San Francisco 0.09% BC Bac Community Bank 0.18% EB Endeavor Bank 0.45% FC First Commercial Bank USA 1.05% MV Mission Valley Bank 1.94% PB Pinnacle Bank 2.30% SS Summit State Bank 2.43% NB Nano Banc 25.73%
Loans, year over yearCA banks $300M to $1B · 30 June 2026 · no better direction, largest first
median +5.2% Bo Bank of San Francisco +26.3% RV River Valley Community Bank +12.3% HB HCN Bank +8.9% FC First Commercial Bank USA +6.4% EB Endeavor Bank +6.2% MV Mission Valley Bank +5.7% CN C3bank National Association +4.8% AP American Plus Bank N A +4.7% PB Pinnacle Bank +1.9% BC Bac Community Bank -0.7% SS Summit State Bank -12.6% NB Nano Banc -21.9%

SBA 7(a), FY2008 to FY2026

Summit State Bank is the 40th largest 7(a) lender into California of 512, with $371M across 192 loans, 0.6% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 28 of its 64 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Sonoma, CA$50M7th of 1125.6%-10.0 pts
Sacramento, CA$48M12th of 1702.1%-0.9 pts
Los Angeles, CA$39M69th of 3080.2%-0.5 pts
San Joaquin, CA$29M10th of 1303.0%quiet FY2022
Maricopa, AZ$25M50th of 3030.3%-1.6 pts
San Bernardino, CA$23M37th of 2130.6%-0.7 pts
Orange, CA$16M71st of 2560.2%-0.2 pts
Yolo, CA$15M5th of 914.6%quiet FY2022
Placer, CA$14M17th of 1221.7%-4.8 pts
King, WA$14M52nd of 1930.3%+0.5 pts
San Luis Obispo, CA$13M15th of 992.0%quiet FY2022
Alameda, CA$12M44th of 1790.5%thin
Kern, CA$11M22nd of 1291.1%thin
51 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services80$210M44.3%0.27%87th of 2,596
Retail trade40$81M17.0%0.13%129th of 2,589
Other services26$37M7.8%0.11%155th of 2,248
Health care & social assistance16$34M7.1%0.07%180th of 2,172
Manufacturing22$25M5.4%0.06%251st of 2,246
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Summit State Bank
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans SS Summit State Bank 0.6% $371M · 192 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Summit State BankRankCohort median
Total CRE against capital, the 300% screen341%8th of 12275%
Construction against capital, the 100% screen4%3rd of 1216%
Construction and land development, share of loans0.7%2nd of 123.0%
Non-owner-occupied nonfarm nonresidential, share of loans49.9%10th of 1238.1%
Total CRE, the guidance definition, share of loans53.5%8th of 1250.9%
CRE growth over 36 months, the third prong-22.9%2nd of 12+10.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
HCN Bank$998M2.2%44.9%0.00%0.00%1.3%93.0%11.4%
Summit State Bank$960M0.1%64.0%2.43%2.28%1.7%89.7%10.6%
C3bank National Association$949M1.2%54.2%0.00%0.00%1.4%72.0%9.9%
Pinnacle Bank$937M0.6%76.4%2.30%2.08%1.3%71.1%11.7%
American Plus Bank N A$935M1.8%32.2%0.04%0.00%1.5%107.5%16.0%
Bank of San Francisco$864M0.9%64.1%0.09%0.00%1.2%93.9%10.1%
First Commercial Bank USA$850M1.1%55.4%1.05%0.00%1.5%113.2%23.0%
Endeavor Bank$823M1.0%60.4%0.45%-0.02%1.6%91.7%11.4%
River Valley Community Bank$793M0.6%69.4%0.00%0.04%1.2%57.5%7.6%
Mission Valley Bank$782M0.8%71.9%1.94%0.34%1.3%102.5%10.7%
Bac Community Bank$762M0.8%75.3%0.18%0.02%1.5%68.2%9.9%
Nano Banc$736M-0.6%no record25.73%3.32%4.2%69.8%5.3%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Summit State BankCohort median
20212026Change20212026Change
Loans$765M$759M-1%$490M$648M+32%
Deposits$764M$846M+11%$593M$733M+24%
NPA / loans0.06%2.43%+2.37 pts0.04%0.32%+0.28 pts
Efficiency48.0%64.0%+16.0 pts53.4%64.0%+10.6 pts
ROA1.62%0.08%-1.55 pts1.17%0.86%-0.31 pts

This read was prepared for Summit State Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Summit State Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort CA banks $300M to $1B
Institution www.summitstatebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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