BlastPoint's Banking Scorecard
Summit Bank
Micro
Specialty: Commercial
CA
FDIC cert 23864
Designations: ✓ Community bank
Oakland, CA
2498
banks in Micro tier nationally
36 in CA
View Micro leaderboard (CA) →
Summit Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.37% above tier
- + Non-Interest-Bearing Deposit Share 25.79% above tier
- + Tier 1 Capital Ratio 14.53% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$278.8M
-5.2% YoY
-2.3% QoQ
|
+$61.3M |
$217.5M
+2.3% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
68% |
| Total Loans ? |
$185.1M
-7.2% YoY
-1.9% QoQ
|
+$45.9M |
$139.2M
+2.8% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
70% |
| Total Deposits ? |
$220.4M
-7.2% YoY
-2.9% QoQ
|
+$36.7M |
$183.7M
+1.8% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
65% |
| Return on Assets ? |
1.07%
-28.7% YoY
-3.1% QoQ
|
-0.02% |
1.08%
+14.7% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
50% |
| Net Interest Margin ? |
5.22%
-4.3% YoY
+1.8% QoQ
|
+1.37% |
3.85%
+6.6% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
68.20%
+21.0% YoY
+3.1% QoQ
|
+0.47% |
67.73%
-4.8% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
1.07%
-73.9% QoQ
|
+0.43% |
0.64%
+24.4% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
83.97%
-0.0% YoY
+1.0% QoQ
|
+9.45% |
74.53%
+0.5% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
48.18%
+12.1% YoY
+0.3% QoQ
|
+25.79% |
22.39%
-1.3% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
Top 3% in tier |
| Nonperforming Asset Ratio ? |
0.71%
-73.8% QoQ
|
+0.26% |
0.45%
+25.1% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
28% |
| Tier 1 Capital Ratio ? |
23.38%
+8.8% YoY
+1.6% QoQ
|
+14.53% |
8.85%
-3.4% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
Top 9% in tier |
| Non-Interest Income / Assets ? |
0.25%
-2.0% YoY
+36.6% QoQ
|
-0.31% |
0.56%
+0.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
32% |
Signature Analysis
Strengths (3)
Net Interest Margin
metric
Top 6%
in Micro
Why this stands out
Current:
5.22%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest-Bearing Deposit Share
metric
Top 3%
in Micro
Why this stands out
Current:
48.18%
(Tier avg: 22.39%, National avg: 21.79%)
Tier 1 Capital Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
23.38%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 48.18% · Tier avg: 22.39%
94
94th pctile
Net Interest Margin
Current: 5.22% · Tier avg: 3.85%
91
91th pctile
Tier 1 Capital Ratio
Current: 23.38% · Tier avg: 8.85%
70
70th pctile
Total Loans
Current: $185.1M · Tier avg: $139.2M
68
68th pctile
Total Assets
Current: $278.8M · Tier avg: $217.5M
65
65th pctile
Total Deposits
Current: $220.4M · Tier avg: $183.7M
50
50th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.08%
45
45th pctile
Efficiency Ratio
Current: 68.20% · Tier avg: 67.73%
34
34th pctile
Loan-to-Deposit Ratio
Current: 83.97% · Tier avg: 74.53%
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.45%
27
27th pctile
Delinquency Rate
Current: 1.07% · Tier avg: 0.64%
Top Weaknesses
27
27th pctile
Delinquency Rate
Current: 1.07% · Tier avg: 0.64%
28
28th pctile
Nonperforming Asset Ratio
Current: 0.71% · Tier avg: 0.45%
32
32th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
34
34th pctile
Loan-to-Deposit Ratio
Current: 83.97% · Tier avg: 74.53%
45
45th pctile
Efficiency Ratio
Current: 68.20% · Tier avg: 67.73%
50
50th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.08%
65
65th pctile
Total Deposits
Current: $220.4M · Tier avg: $183.7M
68
68th pctile
Total Assets
Current: $278.8M · Tier avg: $217.5M
70
70th pctile
Total Loans
Current: $185.1M · Tier avg: $139.2M
91
91th pctile
Tier 1 Capital Ratio
Current: 23.38% · Tier avg: 8.85%
94
94th pctile
Net Interest Margin
Current: 5.22% · Tier avg: 3.85%
97
97th pctile
Non-Interest-Bearing Deposit Share
Current: 48.18% · Tier avg: 22.39%