# SUMMIT BANK
OAKLAND, CA · FDIC certificate 23864 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $264.4M | |
| Deposits | $207.6M | |
| Loans and leases | $197.4M | |
| Total equity | $43.9M | |
| Loans / deposits | 92.21% (p83 of band) | 73.59% |
| Liquid assets / assets | 21.00% (p24 of band) | |
| Uninsured deposits / deposits | 45.10% (p95 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.37% (p83 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | -3.45% (p2 of band) | 1.17% |
| Net interest margin | 4.79% (p85 of band) | 3.93% |
| Efficiency ratio | 152.65% (p98 of band) | |
| Noncurrent loans | 1.48% (p79 of band) | 0.36% |
| Net charge-offs (annualized) | 0.52% (p97 of band) | |
| Reserve coverage of noncurrent | 204.95% | |
| Real estate % of loans | 80% | |
| Construction % of loans | 19.43% (p53 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.6% | |
| Employees | 32 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **expense ratio p90** (`earn_efficiency`)
- **charge-offs p90** (`aq_nco`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 1 | reserve under noncurrent |  |
| 2011-06 | 2 | noncurrent p90 |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 3 | uninsured deposits leaving |  |
| 2012-06 | 3 |  |  |
| 2012-09 | 3 |  |  |
| 2012-12 | 2 |  | uninsured deposits leaving |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 1 |  | noncurrent p90, capital falling |
| 2014-06 | 0 |  | reserve under noncurrent |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 0 |  | capital falling |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 0 |  | capital falling |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 2 | deposits shrinking, assets shrinking |  |
| 2019-06 | 0 |  | deposits shrinking, assets shrinking |
| 2019-09 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2019-12 | 1 |  | assets shrinking, uninsured deposits leaving |
| 2020-03 | 0 |  | deposits shrinking |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 | uninsured deposits >50% | capital falling |
| 2021-06 | 1 |  |  |
| 2021-09 | 2 | capital falling |  |
| 2021-12 | 1 |  | capital falling |
| 2022-03 | 1 |  |  |
| 2022-06 | 2 | capital falling |  |
| 2022-09 | 1 |  | capital falling |
| 2022-12 | 1 |  |  |
| 2023-03 | 4 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-06 | 3 |  | uninsured deposits >50% |
| 2023-09 | 4 | uninsured deposits >50% |  |
| 2023-12 | 3 |  | uninsured deposits >50% |
| 2024-03 | 2 |  | uninsured deposits leaving |
| 2024-06 | 3 | uninsured deposits leaving |  |
| 2024-09 | 2 |  | uninsured deposits leaving |
| 2024-12 | 2 |  |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 2 |  |  |
| 2025-09 | 3 | noncurrent p90, reserve under noncurrent | assets shrinking |
| 2025-12 | 3 | charge-offs p90, assets shrinking | noncurrent p90, reserve under noncurrent |
| 2026-03 | 3 |  |  |
| 2026-06 | 5 | losing money, expense ratio p90 |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-07 [San Francisco Federal Completes Acquisition of Summit Bank, Launches Summit Financial - Business Wire](https://news.google.com/rss/articles/CBMi2AFBVV95cUxPWHYtMmVrOEFQM1pDTGF4ZXgtVVBwMlgxUGtUVG9leVJJODZ0OGZNM0FnOGJOcjVfbEYzdnhRTE10SW9ycFJpRWtYQ3lDckFhT24yQnFZTERKTjF3ZzcwRzlaTXVVejg1dHRvbG4tN3lOeUZIcXNEdkgzMVZEdFREb1pMOUU2MC03X3lrbVEtcWh3dEJYOW5iWWZkZ3ZsQXNLc2VPN19yd1NZNXBzczlicEtFbW9rc2ZFcXRXSmlleGRJNmlITWxHU3UxVXpBQzVQa240WEV6Ykw?oc=5) · Business Wire
- 2026-02-18 [List Of Failed Banks: 2009-2026 - Bankrate](https://news.google.com/rss/articles/CBMiZEFVX3lxTFAtbi1TaWMteGEyOHdQbnlXd0tPRzM2WFJQZjdPdzViQTZFLVVHODJRTEdqRWhnMkxIOG5xMUVSWU5iNHZSbVpnQ2Z4TWdiMDVwN2NTdUNGd3dXZ2tGcGZ2VWVJRnM?oc=5) · Bankrate
- 2025-07-23 [San Francisco credit union to buy California bank - Banking Dive](https://news.google.com/rss/articles/CBMiogFBVV95cUxNSFRDdWlkd3JMaEpfM0RRdXpCTzJiZEdKRml4MFdGSHFxRVNhNjhYYW1XanJyNGFHZWNaY1lmQm5ZeXctMzJXLWlBc1AwZnJHQmlRVHVnRGhHMjVvUDJHT3pJZF94cjMwWXkyeWd6emNmLXdkQnhmVy1RRThScHlHZXlyUW1QQV90MVhVdklyQ09Md1RVTXF0WXJ2ZHY5SDg2RlE?oc=5) · Banking Dive
- 2026-06-26 [AI Can’t Walk Into the Room for You - PA Business Central | Marcellus Business Central | Women in Business - Pennsylvania Business Central](https://news.google.com/rss/articles/CBMihAFBVV95cUxNbVoyM0M2TDRXbHM5OENwUlVuYmF1SFNIZEFNM2NrUm5WZGpFMjE5RTd6Mk5NdnZGaU5DT0UzeW5Wdlk4dkxwc1BoWkJ4NXY4UGE5QjFzWExQZVFFeVEtY1RRV0haWkN1cGN5bDNTbnZVaHBxaElCczk5TDRhQWVnVmZPY2g?oc=5) · Pennsylvania Business Central
- 2026-07-24 [John Francis Nohr Obituary - Moraga, CA (1941-2026) - East Bay Times](https://news.google.com/rss/articles/CBMid0FVX3lxTE9Wd25LWjd2NnVnNVgtRWxNbTMtdERrRnJIWHlLc1dFRlFhZ2FOZ1FPVFgtaFN2Q2o2b1JfS3VUVXBndm1CT1ZUNVd6UDdBYjQ0OEtmd0w0bTlwdFRRMkswbngycUR2SDFmZkFKUWJmN0dyMlNjaTA0?oc=5) · East Bay Times
- 2025-07-24 [Credit Unions in Louisiana & California Plan to Complete Bank Acquisitions in 2026 - CUTimes](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPOFFjNXdCcTlERWVDcUR1MXd4a2R2VVk0X2U0S1A2eko5R0JaSTlwN0VRa3VsTEg3SHJyRFUtQUtJcHBOUHU5UUF0b21VZzYyWG5GMjRQbWV2RmxNc2MyLUNyQU9kUU9kQnFYNFNhWUQ3Z1ZobnUxOUVyS01NbHJPRHhNdjF0MlU5bl9acXdpVzlpZ2FQcEIwNFl0RVZFNjQ5WFRSQmU1S1pEOXpHYlF5NnJHTDVHbjU3?oc=5) · CUTimes
- 2026-01-21 [Summit Bank Meets CBN Capital Requirement as March Deadline Looms | - Business Post Nigeria](https://news.google.com/rss/articles/CBMinwFBVV95cUxOMUVNNGlpQWF5TDZGRVpPRnBvVTRIemxGa3A4MXJJLVlzUFBfX2lfdEwtNk92LWRtbVpvbUJ6bHY1R2xzVDJaYnNlTENHdlJmUkV3dVp6VmtOUXhCem9YUG55aVQ1WG1PeFRuZlN4bGp1X1MyR2dLeGhod0FMbV9jb2pjRm9JRGNZQUFoVjkzOEs2UzNnazNPeVkyM2ZDZUU?oc=5) · Business Post Nigeria
- 2023-03-14 [Regional Banks React to Silicon Valley Bank Collapse - oregonbusiness.com](https://news.google.com/rss/articles/CBMijwFBVV95cUxNT2lQUVdKTnM2QWVNT21CSmEtYWNtejBzREZLY2pBc3dfc1JvT2NwQjM2Q1p1VlFrZ3dwaFplZGtBUlE3WUxyRE1DWGdhRGVPN1BHN3BGb003MkIxczczT3p6OWYwLU0xOGdQUVA0RDZob1ZFcmNlcDltRlZIcDNTLTRWMkdKS2hNd3o0TlNTWQ?oc=5) · oregonbusiness.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23864 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/56.json (key "23864", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide