BlastPoint's Banking Scorecard
Summit State Bank
Community
Specialty: Commercial
CA
FDIC cert 32203
Santa Rosa, CA
1484
banks in Community tier nationally
59 in CA
View Community leaderboard (CA) →
Summit State Bank faces 6 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 1% in Community
- - Capital Constraint: Bottom 22% in Community
- - Deposit Outflow: Bottom 33% in Community
- - Delinquency Rate 2.38% above tier
- - Nonperforming Asset Ratio 2.22% above tier
- - Non-Interest Income / Assets 0.72% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.0B
-5.9% YoY
-0.2% QoQ
|
-$386.9M |
$1.4B
+2.0% YoY
|
$4.7B
+7.1% YoY
|
$5.9B
+6.5% YoY
|
50% |
| Total Loans ? |
$831.8M
-8.1% YoY
-0.8% QoQ
|
-$143.7M |
$975.5M
+2.4% YoY
|
$3.2B
+8.7% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$891.1M
-7.4% YoY
+0.3% QoQ
|
-$273.5M |
$1.2B
+1.7% YoY
|
$3.9B
+6.8% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
0.66%
+271.4% YoY
-10.4% QoQ
|
-0.51% |
1.16%
+17.2% YoY
|
0.96%
+10.8% YoY
|
1.12%
+15.6% YoY
|
17% |
| Net Interest Margin ? |
3.56%
+25.5% YoY
+1.5% QoQ
|
-0.11% |
3.66%
+9.1% YoY
|
3.80%
+7.5% YoY
|
3.75%
+7.1% YoY
|
45% |
| Efficiency Ratio ? |
67.25%
-12.2% YoY
+3.5% QoQ
|
+4.62% |
62.63%
-5.3% YoY
|
61.43%
-2.7% YoY
|
65.09%
-5.1% YoY
|
34% |
| Delinquency Rate ? |
3.01%
-1.8% YoY
+7.3% QoQ
|
+2.38% |
0.63%
+18.3% YoY
|
0.69%
+31.8% YoY
|
0.66%
+20.3% YoY
|
Bottom 5% in tier |
| Loan-to-Deposit Ratio ? |
93.34%
-0.7% YoY
-1.0% QoQ
|
+10.28% |
83.06%
+0.3% YoY
|
85.48%
+0.3% YoY
|
78.04%
+0.7% YoY
|
26% |
| Non-Interest-Bearing Deposit Share ? |
20.51%
+6.3% YoY
-1.6% QoQ
|
-0.54% |
21.05%
-0.9% YoY
|
25.54%
-3.2% YoY
|
21.79%
-1.3% YoY
|
53% |
| Nonperforming Asset Ratio ? |
2.72%
-9.8% YoY
-2.1% QoQ
|
+2.22% |
0.50%
+20.3% YoY
|
0.51%
+32.9% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
12.03%
+18.6% YoY
+4.1% QoQ
|
+1.78% |
10.24%
-0.6% YoY
|
11.83%
-4.8% YoY
|
9.75%
-1.9% YoY
|
47% |
| Non-Interest Income / Assets ? |
0.02%
-93.7% YoY
-88.4% QoQ
|
-0.72% |
0.74%
-1.3% YoY
|
0.50%
+8.5% YoY
|
0.65%
+0.6% YoY
|
Bottom 1% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (6)
Liquidity Strain
risk
#5 of 513 · Bottom 1% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
93.34%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Capital Constraint
risk
#11 of 47 · Bottom 22% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
93.34%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
12.03%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 banks QoQ
|
QoQ rank improving
Deposit Outflow
decline
#82 of 248 · Bottom 33% in Community
Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
248 of 248 Community banks match
·
294 nationally
↑ Growing
+37 banks QoQ
|
QoQ rank improving
Delinquency Rate
metric
Bottom 5%
in Community
Why this stands out
Current:
3.01%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Community
Why this stands out
Current:
2.72%
(Tier avg: 0.50%, National avg: 0.48%)
Non-Interest Income / Assets
metric
Bottom 1%
in Community
Why this stands out
Current:
0.02%
(Tier avg: 0.74%, National avg: 0.65%)
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
59
59th pctile
Total Loans
Current: $831.8M · Tier avg: $975.5M
53
53th pctile
Total Deposits
Current: $891.1M · Tier avg: $1.2B
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 20.51% · Tier avg: 21.05%
50
50th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
47
47th pctile
Tier 1 Capital Ratio
Current: 12.03% · Tier avg: 10.24%
45
45th pctile
Net Interest Margin
Current: 3.56% · Tier avg: 3.66%
34
34th pctile
Efficiency Ratio
Current: 67.25% · Tier avg: 62.63%
26
26th pctile
Loan-to-Deposit Ratio
Current: 93.34% · Tier avg: 83.06%
17
17th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.16%
5
5th pctile
Delinquency Rate
Current: 3.01% · Tier avg: 0.63%
0
0th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.74%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.72% · Tier avg: 0.50%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.72% · Tier avg: 0.50%
0
0th pctile
Non-Interest Income / Assets
Current: 0.02% · Tier avg: 0.74%
5
5th pctile
Delinquency Rate
Current: 3.01% · Tier avg: 0.63%
17
17th pctile
Return on Assets
Current: 0.66% · Tier avg: 1.16%
26
26th pctile
Loan-to-Deposit Ratio
Current: 93.34% · Tier avg: 83.06%
34
34th pctile
Efficiency Ratio
Current: 67.25% · Tier avg: 62.63%
45
45th pctile
Net Interest Margin
Current: 3.56% · Tier avg: 3.66%
47
47th pctile
Tier 1 Capital Ratio
Current: 12.03% · Tier avg: 10.24%
50
50th pctile
Total Assets
Current: $1.0B · Tier avg: $1.4B
53
53th pctile
Non-Interest-Bearing Deposit Share
Current: 20.51% · Tier avg: 21.05%
53
53th pctile
Total Deposits
Current: $891.1M · Tier avg: $1.2B
59
59th pctile
Total Loans
Current: $831.8M · Tier avg: $975.5M