TellerScore

Headquartered in Eugene, Oregon, Summit Bank is a state-chartered bank with $1.3B in total assets and $1.2B in deposits as of Q2 2026. It operates 5 offices. Its charter dates back to 2004.

Summit Bank has a TellerScore of 70 out of 100 (strong) based on Q2 2026 data — higher than 58% of its 897 banks with $1 billion – $10 billion. Among 13 banks headquartered in Oregon, it ranks 10th. Problem-loan coverage contributes the most (93/100, 3.6%); funding & liquidity contributes the least (42/100, 98% loans-to-deposits, 33% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Tier 1 leverage ratio: 11.34%
Loan quality83/100
Noncurrent loans ÷ total loans: 0.52%
Earnings74/100
Return on assets (annualized): 1.36%
Funding & liquidity42/100
Loans ÷ deposits and uninsured-deposit share: 98.5% · 32.7% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.64%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (70 → 70).

TellerScore
666971Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202467
Q3 202468
Q4 202466
Q1 202569
Q2 202570
Q3 202568
Q4 202569
Q1 202671
Q2 202670
Tier 1 leverage ratio
5.00%8.19%11.38%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.39%
Q3 202410.04%
Q4 20249.88%
Q1 202510.41%
Q2 202510.83%
Q3 202510.87%
Q4 202510.91%
Q1 202611.38%
Q2 202611.34%
Noncurrent loans
0.03%0.33%0.64%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.21%
Q3 20240.22%
Q4 20240.20%
Q1 20250.07%
Q2 20250.03%
Q3 20250.42%
Q4 20250.34%
Q1 20260.64%
Q2 20260.52%
Return on assets
0.92%1.17%1.43%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.92%
Q3 20240.97%
Q4 20240.99%
Q1 20250.97%
Q2 20251.04%
Q3 20251.11%
Q4 20251.17%
Q1 20261.43%
Q2 20261.36%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202670$1.3B11.34%0.52%1.36%98.5%
Q1 202671$1.4B11.38%0.64%1.43%93.9%
Q4 202569$1.3B10.91%0.34%1.17%98.2%
Q3 202568$1.3B10.87%0.42%1.11%95.7%
Q2 202570$1.2B10.83%0.03%1.04%98.6%
Q1 202569$1.3B10.41%0.07%0.97%93.3%
Q4 202466$1.3B9.88%0.20%0.99%93.6%
Q3 202468$1.3B10.04%0.22%0.97%89.6%
Q2 202467$1.1B10.39%0.21%0.92%97.9%

897 peers · $1 billion – $10 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).

Capital ratio11.34%
67th
Total risk-based capital0.00%
13th
Problem loans0.52%
50th
Net charge-offs0.42%
10th
Return on assets1.36%
60th
Net interest margin4.75%
92nd
Efficiency ratio53.5%
66th
Loans to deposits98.5%
18th
Uninsured deposits32.7%
44th
Loan-loss reserves1.12%
45th
Texas ratio3.6%
49th

Deposit insurance

Is my money safe at Summit Bank?

Yes. Summit Bank is an FDIC-insured institution (FDIC certificate #57706). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 32.7% of deposits ($380.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.34%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Summit Bank lists 5 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Summit Bank
Type
State-chartered bank
FDIC certificate #
57706
RSSD ID
3243282
Primary regulator
FDIC
Holding company
Summit Bank Group Inc
Established
February 23, 2004
Headquarters
96 E Broadway, Eugene, OR 97401
Website
sbko.bank
Employees
148

Quick answers

Summit Bank: common questions

Is Summit Bank FDIC insured?

Yes. Summit Bank is an FDIC-insured institution (FDIC certificate #57706). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Summit Bank's TellerScore?

70 out of 100 (Strong), 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 #57706 in the FDIC failed bank list.

How many branches does Summit Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Eugene

InstitutionScoreAssetsCapitalProblem loansCompare
Onpoint Community Credit UnionCredit union Portland, OR83 out of 100, Strong$9.5B15.0%0.98%vs
Gateway Credit UnionCredit union Springfield, OR83 out of 100, Strong$31.4M21.9%0.36%vs
People's Bank of CommerceBank Medford, OR78 out of 100, Strong$776.7M15.3%0.90%vs
Citizens BankBank Corvallis, OR78 out of 100, Strong$823.4M13.9%0.04%vs
Selco Community Credit UnionCredit union Springfield, OR77 out of 100, Strong$3.0B11.9%0.37%vs
Oregon Pacific Banking Company dba Oregon Pacific BankBank Florence, OR74 out of 100, Strong$825.4M11.2%0.39%vs