Summit State Bank (FDIC certificate #32203) is based in Santa Rosa, California. Its Q2 2026 call report shows $959.8M in total assets and $846.1M in deposits and 4 offices.
Based on its Q2 2026 filing, Summit State Bank scores 42/100, which we describe as below average. That is higher than only 3% of 2,650 banks with $100 million – $1 billion. Among 116 banks headquartered in California, it ranks 113th. Its strongest component is problem-loan coverage (64/100; 18.2%), and its lowest is loan quality (19/100; 2.43%).
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 16 points (58 → 42), mostly because the loan quality component weakened by 45 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 32 |
| Q3 2024 | 31 |
| Q4 2024 | 25 |
| Q1 2025 | 48 |
| Q2 2025 | 58 |
| Q3 2025 | 41 |
| Q4 2025 | 39 |
| Q1 2026 | 40 |
| Q2 2026 | 42 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 9.31% |
| Q3 2024 | 9.18% |
| Q4 2024 | 8.87% |
| Q1 2025 | 9.45% |
| Q2 2025 | 9.84% |
| Q3 2025 | 10.24% |
| Q4 2025 | 10.37% |
| Q1 2026 | 10.67% |
| Q2 2026 | 10.84% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 3.87% |
| Q3 2024 | 3.95% |
| Q4 2024 | 3.02% |
| Q1 2025 | 1.96% |
| Q2 2025 | 1.07% |
| Q3 2025 | 2.76% |
| Q4 2025 | 2.96% |
| Q1 2026 | 4.15% |
| Q2 2026 | 2.43% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.42% |
| Q3 2024 | 0.36% |
| Q4 2024 | -0.38% |
| Q1 2025 | 0.94% |
| Q2 2025 | 0.93% |
| Q3 2025 | 0.73% |
| Q4 2025 | 0.66% |
| Q1 2026 | 0.67% |
| Q2 2026 | 0.07% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 42 | $959.8M | 10.84% | 2.43% | 0.07% | 88.2% |
| Q1 2026 | 40 | $995.9M | 10.67% | 4.15% | 0.67% | 88.3% |
| Q4 2025 | 39 | $1.0B | 10.37% | 2.96% | 0.66% | 93.3% |
| Q3 2025 | 41 | $1.0B | 10.24% | 2.76% | 0.73% | 94.3% |
| Q2 2025 | 58 | $1.0B | 9.84% | 1.07% | 0.93% | 92.7% |
| Q1 2025 | 48 | $1.1B | 9.45% | 1.96% | 0.94% | 91.7% |
| Q4 2024 | 25 | $1.1B | 8.87% | 3.02% | -0.38% | 94.0% |
| Q3 2024 | 31 | $1.1B | 9.18% | 3.95% | 0.36% | 91.5% |
| Q2 2024 | 32 | $1.1B | 9.31% | 3.87% | 0.42% | 94.5% |
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 |
|---|---|---|---|---|---|
| C3bank, National AssociationBank Encinitas, CA | 75 out of 100, Strong | $949.3M | 10.6% | 0.00% | vs |
| Pinnacle BankBank Gilroy, CA | 52 out of 100, Below average | $937.0M | 11.9% | 2.30% | vs |
| American Plus Bank, N.A.Bank Arcadia, CA | 88 out of 100, Very strong | $935.0M | 16.5% | 0.04% | vs |
| HCN BankBank Riverside, CA | 79 out of 100, Strong | $998.4M | 11.7% | 0.00% | vs |
| Bank of San FranciscoBank San Francisco, CA | 68 out of 100, Moderate | $863.6M | 10.9% | 0.09% | vs |
| First Commercial Bank (USA)Bank Alhambra, CA | 71 out of 100, Strong | $849.9M | 23.3% | 1.05% | vs |
Deposit insurance
Is my money safe at Summit State Bank?
Yes. Summit State Bank is an FDIC-insured institution (FDIC certificate #32203). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.4% of deposits ($206.3M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 10.84%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.80% (benchmark: 10%).
4 locations
Branches
Summit State Bank lists 4 offices in 4 cities. Most locations:
- Healdsburg, CA (1)
- Petaluma, CA (1)
- Rohnert Park, CA (1)
- Santa Rosa, CA (1)
Identity & history
Profile
- Legal name
- Summit State Bank
- Former names
- Summit Savings, FSB; Summit Savings and Loan Association
- Type
- State-chartered bank
- FDIC certificate #
- 32203
- RSSD ID
- 561574
- Primary regulator
- FDIC
- Established
- January 1, 1982
- Headquarters
- 500 Bicentennial Way, Santa Rosa, CA 95403
- Website
- www.summitstatebank.com
- Employees
- 106
Quick answers
Summit State Bank: common questions
Is Summit State Bank FDIC insured?
Yes. Summit State Bank is an FDIC-insured institution (FDIC certificate #32203). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Summit State Bank's TellerScore?
42 out of 100 (Below average), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Summit State Bank ever failed?
There is no failure record for FDIC certificate #32203 in the FDIC failed bank list.
How many branches does Summit State Bank have?
4 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Santa Rosa
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA | 92 out of 100, Very strong | $1.7B | 15.5% | 0.60% | vs |
| Sonoma Federal Credit UnionCredit union Santa Rosa, CA | 83 out of 100, Strong | $80.0M | 13.5% | 0.63% | vs |
| Sea West Coast Guard Federal Credit UnionCredit union Oakland, CA | 83 out of 100, Strong | $377.9M | 20.2% | 0.01% | vs |
| Westamerica BankBank San Rafael, CA | 78 out of 100, Strong | $5.8B | 10.3% | 0.12% | vs |
| Redwood Credit UnionCredit union Santa Rosa, CA | 78 out of 100, Strong | $10.7B | 13.3% | 0.72% | vs |
| Exchange BankBank Santa Rosa, CA | 77 out of 100, Strong | $3.2B | 12.6% | 0.55% | vs |