# SUMMIT STATE BANK
SANTA ROSA, CA · FDIC certificate 32203 · asset band $300M-1B · 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 | $959.8M | |
| Deposits | $846.1M | |
| Loans and leases | $758.9M | |
| Total equity | $101.4M | |
| Loans / deposits | 88.18% (p67 of band) | 82.04% |
| Liquid assets / assets | 18.24% (p26 of band) | |
| Uninsured deposits / deposits | 24.38% (p44 of band) | 25.97% |
| Brokered deposits | 5.34% | |
| Wholesale funding | 5.48% (p60 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.84% (p51 of band) | 10.81% |
| Unrealized securities loss / equity | -9.32% (p46 of band) | -8.10% |
| AOCI / equity | -0.27% (p55 of band) | |
| ROA (annualized) | 0.07% (p4 of band) | 1.28% |
| Net interest margin | 3.92% (p51 of band) | 3.91% |
| Efficiency ratio | 64.01% (p58 of band) | |
| Noncurrent loans | 2.43% (p92 of band) | 0.43% |
| Net charge-offs (annualized) | 1.75% (p99 of band) | |
| Reserve coverage of noncurrent | 69.40% | |
| Real estate % of loans | 92% | |
| Construction % of loans | 5.00% (p9 of band) | |
| Auto loans | $4.5M (0.60% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -8.3% | |
| Employees | 106 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 3 |  |  |
| 2011-09 | 2 |  | wholesale funding >15% |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 | capital falling | brokered >10% |
| 2012-06 | 4 | brokered >10%, wholesale funding >15% |  |
| 2012-09 | 4 |  |  |
| 2012-12 | 2 |  | reserve under noncurrent, brokered >10% |
| 2013-03 | 3 | brokered >10% |  |
| 2013-06 | 0 |  | capital falling, wholesale funding >15%, brokered >10% |
| 2013-09 | 2 | wholesale funding >15%, reserve under noncurrent |  |
| 2013-12 | 3 | brokered >10% |  |
| 2014-03 | 2 |  | reserve under noncurrent |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 1 |  | brokered >10% |
| 2015-09 | 3 | brokered >10%, capital falling |  |
| 2015-12 | 3 |  |  |
| 2016-03 | 3 |  |  |
| 2016-06 | 2 |  | capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | capital falling |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 2 |  | wholesale funding >15% |
| 2018-03 | 2 |  |  |
| 2018-06 | 0 |  | brokered >10%, capital falling |
| 2018-09 | 0 |  |  |
| 2018-12 | 2 | loans exceed deposits, deposits shrinking |  |
| 2019-03 | 1 | capital falling | loans exceed deposits, deposits shrinking |
| 2019-06 | 2 | loans exceed deposits |  |
| 2019-09 | 1 |  | loans exceed deposits |
| 2019-12 | 2 | loans exceed deposits |  |
| 2020-03 | 1 |  | capital falling |
| 2020-06 | 1 | wholesale funding >15% | loans exceed deposits |
| 2020-09 | 3 | loans exceed deposits, capital falling |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 1 |  | wholesale funding >15% |
| 2021-06 | 0 |  | loans exceed deposits |
| 2021-09 | 2 | loans exceed deposits, wholesale funding >15% |  |
| 2021-12 | 1 |  | wholesale funding >15% |
| 2022-03 | 1 | construction >100% equity | loans exceed deposits |
| 2022-06 | 1 | loans exceed deposits | construction >100% equity |
| 2022-09 | 2 | construction >100% equity |  |
| 2022-12 | 1 | capital falling | loans exceed deposits, construction >100% equity |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | noncurrent p90, reserve under noncurrent | capital falling |
| 2023-09 | 2 |  |  |
| 2023-12 | 2 |  |  |
| 2024-03 | 5 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2024-06 | 4 |  | uninsured deposits leaving |
| 2024-09 | 2 |  | deposits shrinking, assets shrinking |
| 2024-12 | 5 | capital falling, losing money, charge-offs p90 |  |
| 2025-03 | 2 |  | capital falling, losing money, charge-offs p90 |
| 2025-06 | 0 |  | noncurrent p90, reserve under noncurrent |
| 2025-09 | 4 | noncurrent p90, reserve under noncurrent, deposits shrinking, assets shrinking |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 4 |  |  |
| 2026-06 | 5 | charge-offs p90 |  |

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

- 2025-10-29 [Santa Rosa's Summit State Bank closes branch, suspends dividend again to trim costs - The Press Democrat](https://news.google.com/rss/articles/CBMif0FVX3lxTE9uQ0R4d3VxcVZLb19KeWJLLWxFTklaODEtS0JDTG1XWnBxZl9ZODI2Ylp2bTdMc0M1aVgzQ3k4X1lJTC1OazJ1VXRNNTVlWG55dU5DNGdfdWkzRFp0QmZxQ3h6LWRNVUctTHM0QUR0UHU5NWI1SmRFeVZvcmFCNVk?oc=5) · The Press Democrat
- 2026-07-20 [Summit State Bank (SSBI) Holds Steady Near Support Amid Minor Pullback - Iceberg Order - vinanet.vn](https://news.google.com/rss/articles/CBMirwFBVV95cUxPOTE0U0xwTDM1bGdVUHRQZXZkVWVEdXpEd3NFUkhjeVZHenRHdzhuWldMbm9rSE9JWkhOMGhCdjNyb3VCR29zMzB2YzFYNDh0Um1LcnZvSUt6b1NvZXdBVG5FZUJibUNhNXVILXpIeU5SVHFBR1lMaVo3UEpTa1RSOWVGeXJZNnNEUkY2MEtJWnhfa0EtZHVFR0o5QUs3UEFIdTlpV3lDWC1qMzRsNjV3?oc=5) · vinanet.vn
- 2026-08-04 [Santa Rosa's Summit State Bank reports $1.3 million loss after credit cleanup - The Press Democrat](https://news.google.com/rss/articles/CBMifkFVX3lxTE5ocXYyS3BUSGZROG1ObURISFBDZWNGOXdDbXFoVTFSaHZmRUctMDRRZGdVb3BTaGZnd0dCbXlPc1ZiYVlBQldCMzY0TGVuOGpKZ2tHZkhZUmV2dDUxZ2dMaTd1SVl2cVN6Rmt1aVoyTVZhajM3aDVkeDE2ZUI4QQ?oc=5) · The Press Democrat
- 2024-03-28 [Summit State Bank Data Breach - Claim Depot](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9WWXJRcDM4d2VKaFhMNEZMU2o5Mi1tSFJlTmJleGV5WGxuWVBuenBoNktXSWptbmpSNXRySTl6cGFIa0VtaFFDOVBoMGlrUzR3eDFFRGkwX1VtempmM0lTVHRURGVlTm8?oc=5) · Claim Depot
- 2021-02-22 [Summit State Bank (CA) Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMihAFBVV95cUxNSGREcG4wYnRqcWt5OHpmY21tdnh6bk9pTnctSnAzMmNzenNzYWl0a3pJZmp1QzNvd1lJd2tpUG0xOFVKd21VTUMwTTZ1S3FKd202OFBVcXhNYjVSZlROaDdmNWxxTnBEc2Z5TFdMYWRLOFI3WU1GLWU0QXlGb0FPWThiYXQ?oc=5) · SmartAsset
- 2016-12-15 [Summit Bank CEO made the right move to survive the 2008 crisis - The Business Journals](https://news.google.com/rss/articles/CBMiqAFBVV95cUxOaW5vTE5BWUE5LVFpYzVWWXA1cElYd19rT2FhVXNIMW8tdjhoSTVPWmdNTkNqbE1RZk5fYV9qb081WFVVdWhyVDBpcDZGQk9pQktHQ1dqQllKXy1xN1A3TC1NVUNxNXZaOG1jTWVJWlRUOWdTOFhxdzdFQ2NFajlJM3NtUGpmNXhuX0d6SlNuWTVxbHRNai1WeFNXTmpQYzRCUUhKNWJJM2Y?oc=5) · The Business Journals
- 2025-09-22 [Summit State Bank expands role of long-serving executive - The Press Democrat](https://news.google.com/rss/articles/CBMinwFBVV95cUxNQXZ4aUFXcndZX3JGTUZOUnp0ZlVjdEEwOVQ3UDJrZ2lMMHdzZlg0akgxZF9UdmNUMFBJOVZDM2NhLUhKTFQ2c01VeERXOUl1aUJRck4xV19uaW1fdDcxNm5UbUI3LVZISVczREc4LWw3QjBSSUpRUGtvUnRYancwZk1VVkUzcHlVeXA2TDZURHVoVl9wR21pSGNVRlRZaTA?oc=5) · The Press Democrat
- 2022-06-01 [Summit State Bank (SSBI) Share Price Today | Summit State Bank (SSBI) Live NSE/BSE - Value Research](https://news.google.com/rss/articles/CBMifkFVX3lxTE05VW9YaTJKSW9zdF9ueHpGWV9LZXZ2RG90RHFmV2VBY0dhTmJnMGhud1JDMkVvTmJzUFVFU1JQUkIxcDc4UDFzRERhX1U5d1U1U1JKN3VDWkhxTS1Yck83aG5UWVA5Mm5wbTE1eVhNWksyVUd2UlJNcDd6QWt3dw?oc=5) · Value Research

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=32203 (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/11.json (key "32203", 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