# SUMMIT BANK
EUGENE, OR · FDIC certificate 57706 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $1.33B | |
| Deposits | $1.16B | |
| Loans and leases | $1.16B | |
| Total equity | $151.5M | |
| Loans / deposits | 98.49% (p82 of band) | 87.10% |
| Liquid assets / assets | 11.32% (p8 of band) | |
| Uninsured deposits / deposits | 32.73% (p56 of band) | 30.76% |
| Brokered deposits | 3.84% | |
| Wholesale funding | 3.99% (p40 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 11.34% (p67 of band) | 10.50% |
| Unrealized securities loss / equity | -0.46% (p93 of band) | -7.75% |
| AOCI / equity | 0.03% (p80 of band) | |
| ROA (annualized) | 1.36% (p60 of band) | 1.26% |
| Net interest margin | 4.75% (p92 of band) | 3.70% |
| Efficiency ratio | 53.51% (p34 of band) | |
| Noncurrent loans | 0.52% (p50 of band) | 0.51% |
| Net charge-offs (annualized) | 0.36% (p92 of band) | |
| Reserve coverage of noncurrent | 216.03% | |
| Real estate % of loans | 71% | |
| Construction % of loans | 25.10% (p23 of band) | |
| Auto loans | $0 (0.00% of loans; DQ –, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 148 | |

## Flags firing in the latest filing

- **charge-offs p90** (`aq_nco`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | brokered >10%, wholesale funding >15%, reserve under noncurrent |  |
| 2011-06 | 2 |  | brokered >10% |
| 2011-09 | 2 | capital falling | wholesale funding >15% |
| 2011-12 | 1 |  | capital falling |
| 2012-03 | 2 | uninsured deposits leaving |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 2 |  |  |
| 2012-12 | 2 |  |  |
| 2013-03 | 4 | brokered >10%, capital falling, charge-offs p90 | uninsured deposits leaving |
| 2013-06 | 3 |  | charge-offs p90 |
| 2013-09 | 0 |  | reserve under noncurrent, brokered >10%, capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 1 | capital falling |  |
| 2016-03 | 2 | brokered >10%, charge-offs p90 | capital falling |
| 2016-06 | 3 | wholesale funding >15% |  |
| 2016-09 | 1 |  | brokered >10%, wholesale funding >15% |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | brokered >10% |  |
| 2017-06 | 2 |  |  |
| 2017-09 | 3 | capital falling |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 4 | wholesale funding >15% |  |
| 2018-06 | 2 |  | brokered >10%, wholesale funding >15% |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 2 | capital falling |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 2 |  |  |
| 2020-06 | 2 |  |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 1 |  |  |
| 2021-06 | 2 | capital falling |  |
| 2021-09 | 3 | uninsured deposits >50% |  |
| 2021-12 | 1 |  | charge-offs p90, capital falling |
| 2022-03 | 2 | charge-offs p90 |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 1 |  | uninsured deposits >50% |
| 2022-12 | 1 |  |  |
| 2023-03 | 1 |  |  |
| 2023-06 | 2 | uninsured deposits leaving |  |
| 2023-09 | 1 |  | uninsured deposits leaving |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | capital falling |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | capital falling |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## 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
- 2026-08-28 [1st Summit Bank Names Joe Kelly President - Pennsylvania Business Central](https://news.google.com/rss/articles/CBMijgFBVV95cUxOZ2pOdWxUTl9vR3FYaEhvSldmZ3FTRXpJNUlYOGJNdUZCLWx2blpfOFRvZU9XdnRWNXlUNi0xbk5zcWJRNnkza3N6TnNEcDU2cDQxMTdtZnZLdDh2RHVCcGpKT2dtbXBXZVdXX18zNmEtdkpnUmpvRmtZVG1ZQS1mRUx0YkI3N1lOdjlwbUZB?oc=5) · Pennsylvania Business Central
- 2026-07-24 [1st Summit Bank promotes chief credit officer to president - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxOYTlELXV5ZG5JYUN5cHVQQllrZndlLXBsakxDQXZiT0hxeVhmSHVjVl83X2duMWtpeEFyUU5XOU5oQS1jRTN5ZlRzWlEyVmlJdk02SmZsci14SElXMUxLN3VsbDFSZWlaVE9uaTZXX1prVEFwa05UTlpxR2tpLVkwN2hLZUJiMWU0OExqLQ?oc=5) · The Business Journals
- 2025-12-18 [1st Summit Bank unveils new location focusing on wealth management, commercial lending - WJAC](https://news.google.com/rss/articles/CBMitgFBVV95cUxQcW1qR1VaMjNOTDFzWW9VbVNTeXNUSlFyZWowaDBiWDJ4T25ES0lmTk1zX2ppM21jZHVtNFFfQjIxMVFjdkp1OVRFaC15SkhYR0QtX3I0MUNuemRiM3ZRNEVyeUNBTnBCZFRjbmZLa2pDLVpNY3k4Ykx2Y1laSnQ2bldiYjFsanhjT2hYdlZHaWJsNWNZZUMxRThPa0trMFk4bHRUMS1uTVRuVTl2VlhkZDF2UHJnQQ?oc=5) · WJAC
- 2026-06-18 [1st Summit Bank Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMifkFVX3lxTFBMYmpZbGxwMVpCTjhjdEhVLWNfN21POHVDeDZIUWNRbk1LZUJnS2NBcE02aGxMWUo5N3gwOVFQdWt2LUpnSS1XZnhQMExPTWhyS1JJZ0gwZnZ4M0FzREVNX1Q0dFR3WEZZU2NkbGNSU3JfUGNTRk9kS3IxUENMdw?oc=5) · SmartAsset
- 2026-07-07 [Summit Bancshares Completes Purchase and Assumption Transaction With San Francisco Federal Credit Union - citybiz.co](https://news.google.com/rss/articles/CBMi2gFBVV95cUxPVzdOQkMtejNJWVhMQ1VGZzlveGdmeUxxTEtzMXQ5bFlzT2FHVEZac1lHNUg3T1FDUlV5TUJnV1dQWHZZdkJTRFFPdWNuN0J3QXVpYl9JTDVvREdhYVQ2bUZ2NnRlbG1DdC1UR2d4RjNIbUphZkR6ZlZuT2hzeDNEWFo2QUNMZEljaXdlUnFfcFJmZktCRUZraVNfdkRWRllieXQxT2RHakFYS0lrRDRyVnd1eXZWYldHaG1iYmM0MTc1UC16eXlMVEF6bmdNTUtyTTFOVEZjNXd1dw?oc=5) · citybiz.co
- 2026-01-14 [Summit State Bank announces leadership promotions - The Press Democrat](https://news.google.com/rss/articles/CBMijgFBVV95cUxOYm9YOF9uXzc4MG8xMUhpdEoyMHE4a1BKM2JpdG9kZnNZTFZaekdZYmJuV3lZSkYtYk41MWNuSEJEa2dZQnhFTkxzUThpN05ZMkgzZENkTkczS2JrcTNUZEV4cWhPci1yVmV0dHZZU0R6Ry1mbmc5Ukh2TnFpTGxTM2V3NlZNUjJKZUJxRDNn?oc=5) · The Press Democrat
- 2026-06-03 [Bank Of America CEO Moynihan: Consumer Spending Still Resilient Despite Strains - Forbes](https://news.google.com/rss/articles/CBMizgFBVV95cUxPUlJzSXFtQWtmUUJmUzFTUWhuTEhLT21iRS1NRnF4X1JkQmdSXzVYRVVXdUczaEdGVTcxcHFHMTJzTDJ5TnEyTWFVNEZxajZ4VE9lcU9tY3lWSlJLTWJPOGx4VzhTR3lGT1FEUlVfWnBKWnVuS2g0QTR4cEVlWjB3UE5QUFNTMVV4ajVKLWtVRE13U0NrbTFJYl96aURzb2lsWFRsbUdSQzR1VDhiOGhrT0JtWl8wSFZXUXg2Y0xmSTBHN1NTdlRWYWs0YzhyUQ?oc=5) · Forbes

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=57706 (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/42.json (key "57706", 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