Side-by-side · Q2 2026 data
Summit Bank vs Home Bank of California
Metric by metric
| Measure | Summit Bank | Home Bank of California |
|---|---|---|
| TellerScore | 57 | 84 (stronger) |
| Capital cushion | 100 (stronger) | 73 |
| Loan quality | 51 | 100 (stronger) |
| Earnings | 0 | 100 (stronger) |
| Funding & liquidity | 35 | 48 (stronger) |
| Problem-loan coverage | 88 | 100 (stronger) |
| Peer percentile | 14th | 86th |
| Total assets | $264.4M | $255.4M |
| Deposits / shares | $207.6M | $192.2M |
| Capital ratio | 16.37% (stronger) | 12.27% |
| Problem loans | 1.48% | 0.00% (stronger) |
| Net charge-offs | 0.72% | -0.00% (stronger) |
| Return on assets | -3.45% | 2.34% (stronger) |
| Loans ÷ deposits | 92.2% (stronger) | 121.2% |
| Uninsured deposits | 45.1% | 16.6% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Home Bank of California has the higher TellerScore (84 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Summit Bank leads on 2 and Home Bank of California on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.