Summit Bank is a state-chartered bank headquartered in Oakland, California, in business for about 44 years. At the end of Q2 2026 it reported $264.4M in total assets and $207.6M in deposits, with 1 office.
Summit Bank has a TellerScore of 57 out of 100 (moderate) based on Q2 2026 data — higher than only 14% of its 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 93rd. Capital cushion contributes the most (100/100, 16.37%); earnings contributes the least (0/100, -3.45%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 28 points (85 → 57), mostly because the earnings component weakened by 68 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 89 |
| Q3 2024 | 88 |
| Q4 2024 | 87 |
| Q1 2025 | 85 |
| Q2 2025 | 85 |
| Q3 2025 | 56 |
| Q4 2025 | 75 |
| Q1 2026 | 69 |
| Q2 2026 | 57 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 14.96% |
| Q3 2024 | 15.70% |
| Q4 2024 | 15.90% |
| Q1 2025 | 16.47% |
| Q2 2025 | 16.91% |
| Q3 2025 | 17.10% |
| Q4 2025 | 16.78% |
| Q1 2026 | 17.94% |
| Q2 2026 | 16.37% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 3.96% |
| Q4 2025 | 1.04% |
| Q1 2026 | 1.54% |
| Q2 2026 | 1.48% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.53% |
| Q3 2024 | 1.53% |
| Q4 2024 | 1.49% |
| Q1 2025 | 1.25% |
| Q2 2025 | 1.20% |
| Q3 2025 | 1.10% |
| Q4 2025 | 1.07% |
| Q1 2026 | 1.06% |
| Q2 2026 | -3.45% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $264.4M | 16.37% | 1.48% | -3.45% | 92.2% |
| Q1 2026 | 69 | $270.2M | 17.94% | 1.54% | 1.06% | 90.6% |
| Q4 2025 | 75 | $278.8M | 16.78% | 1.04% | 1.07% | 84.0% |
| Q3 2025 | 56 | $285.2M | 17.10% | 3.96% | 1.10% | 83.1% |
| Q2 2025 | 85 | $279.6M | 16.91% | 0.00% | 1.20% | 86.3% |
| Q1 2025 | 85 | $287.1M | 16.47% | 0.00% | 1.25% | 84.3% |
| Q4 2024 | 87 | $294.0M | 15.90% | 0.00% | 1.49% | 84.0% |
| Q3 2024 | 88 | $297.7M | 15.70% | 0.00% | 1.53% | 80.0% |
| Q2 2024 | 89 | $296.1M | 14.96% | 0.00% | 1.53% | 77.1% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in California
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Capital Bank and Trust CompanyBank Irvine, CA | 94 out of 100, Very strong | $266.1M | 79.3% | 0.00% | vs |
| Home Bank of CaliforniaBank San Diego, CA | 84 out of 100, Strong | $255.4M | 12.3% | 0.00% | vs |
| Mission National BankBank San Francisco, CA | 74 out of 100, Strong | $276.4M | 13.9% | 0.00% | vs |
| Gateway Bank, F.S.B.Bank Oakland, CA | 49 out of 100, Below average | $288.2M | 13.8% | 2.15% | vs |
| Metropolitan BankBank Oakland, CA | 75 out of 100, Strong | $230.2M | 13.1% | 0.00% | vs |
| Monterey County BankBank Monterey, CA | 54 out of 100, Below average | $300.4M | 8.4% | 0.24% | vs |
Deposit insurance
Is my money safe at Summit Bank?
Yes. Summit Bank is an FDIC-insured institution (FDIC certificate #23864). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 45.1% of deposits ($93.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 16.37%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 22.01% (benchmark: 10%).
1 location
Branches
Summit Bank lists 1 office in 1 city. Most locations:
- Oakland, CA (1)
Identity & history
Profile
- Legal name
- Summit Bank
- Type
- State-chartered bank
- FDIC certificate #
- 23864
- RSSD ID
- 351560
- Primary regulator
- FDIC
- Holding company
- Summit Bancshares Inc
- Established
- July 1, 1982
- Headquarters
- 2969 Broadway, Oakland, CA 94611
- Website
- www.summitbanking.com
- Employees
- 32
Quick answers
Summit Bank: common questions
Is Summit Bank FDIC insured?
Yes. Summit Bank is an FDIC-insured institution (FDIC certificate #23864). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Summit Bank's TellerScore?
57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Summit Bank ever failed?
There is no failure record for FDIC certificate #23864 in the FDIC failed bank list.
How many branches does Summit Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Oakland
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Northeast Community Federal Credit UnionCredit union San Francisco, CA | 100 out of 100, Very strong | $15.2M | 32.6% | 0.00% | vs |
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| San Mateo City Employees Federal Credit UnionCredit union San Mateo, CA | 87 out of 100, Very strong | $31.8M | 18.4% | 0.00% | vs |
| San Francisco Federal Credit UnionCredit union San Francisco, CA | 86 out of 100, Very strong | $1.6B | 13.6% | 0.15% | vs |
| San Francisco Lee Federal Credit UnionCredit union San Francisco, CA | 85 out of 100, Very strong | $10.7M | 53.3% | 0.00% | vs |
| Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA | 83 out of 100, Strong | $377.9M | 20.2% | 0.01% | vs |