BlastPoint's Banking Scorecard
Summit Bank
Community
Specialty: Commercial
OR
FDIC cert 57706
Eugene, OR
1484
banks in Community tier nationally
8 in OR
View Community leaderboard (OR) →
Summit Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.03% above tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 26% in Community
- - Credit Risk Growth: Bottom 27% in Community
- - Liquidity Strain: Bottom 45% in Community
- - Non-Interest Income / Assets 0.59% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.3B
+1.9% YoY
-1.0% QoQ
|
-$113.9M |
$1.4B
+2.0% YoY
|
$5.8B
+35.0% YoY
|
$5.9B
+6.5% YoY
|
62% |
| Total Loans ? |
$1.1B
+5.6% YoY
+0.9% QoQ
|
+$126.1M |
$975.5M
+2.4% YoY
|
$4.1B
+33.3% YoY
|
$3.1B
+8.5% YoY
|
72% |
| Total Deposits ? |
$1.1B
+0.7% YoY
-1.7% QoQ
|
-$42.8M |
$1.2B
+1.7% YoY
|
$4.7B
+35.4% YoY
|
$4.7B
+6.3% YoY
|
64% |
| Return on Assets ? |
1.17%
+18.9% YoY
+5.3% QoQ
|
+0.01% |
1.16%
+17.2% YoY
|
0.97%
+23.1% YoY
|
1.12%
+15.6% YoY
|
54% |
| Net Interest Margin ? |
4.69%
+2.0% YoY
-0.1% QoQ
|
+1.03% |
3.66%
+9.1% YoY
|
3.91%
+8.6% YoY
|
3.75%
+7.1% YoY
|
Top 9% in tier |
| Efficiency Ratio ? |
55.21%
-1.9% YoY
+2.1% QoQ
|
-7.42% |
62.63%
-5.3% YoY
|
69.38%
-5.2% YoY
|
65.09%
-5.1% YoY
|
72% |
| Delinquency Rate ? |
0.35%
+74.0% YoY
-18.0% QoQ
|
-0.28% |
0.63%
+18.3% YoY
|
0.44%
+26.5% YoY
|
0.66%
+20.3% YoY
|
57% |
| Loan-to-Deposit Ratio ? |
98.19%
+4.9% YoY
+2.6% QoQ
|
+15.13% |
83.06%
+0.3% YoY
|
78.09%
-1.5% YoY
|
78.04%
+0.7% YoY
|
17% |
| Non-Interest-Bearing Deposit Share ? |
16.47%
+5.4% YoY
-2.8% QoQ
|
-4.58% |
21.05%
-0.9% YoY
|
23.36%
-7.5% YoY
|
21.79%
-1.3% YoY
|
32% |
| Nonperforming Asset Ratio ? |
0.30%
+80.3% YoY
-16.5% QoQ
|
-0.20% |
0.50%
+20.3% YoY
|
0.42%
+67.0% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
8.96%
-3.7% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.15%
+183.5% YoY
+51.1% QoQ
|
-0.59% |
0.74%
-1.3% YoY
|
0.64%
+1.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 6% in tier |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 9%
in Community
Why this stands out
Current:
4.69%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (4)
Capital Thin
risk
#113 of 432 · Bottom 26% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Credit Risk Growth
risk
#174 of 642 · Bottom 27% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
Liquidity Strain
risk
#233 of 513 · Bottom 45% 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:
98.19%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Non-Interest Income / Assets
metric
Bottom 6%
in Community
Why this stands out
Current:
0.15%
(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
91
91th pctile
Net Interest Margin
Current: 4.69% · Tier avg: 3.66%
72
72th pctile
Efficiency Ratio
Current: 55.21% · Tier avg: 62.63%
72
72th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
62
62th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
57
57th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.63%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
54
54th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.47% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
17
17th pctile
Loan-to-Deposit Ratio
Current: 98.19% · Tier avg: 83.06%
6
6th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
Top Weaknesses
6
6th pctile
Non-Interest Income / Assets
Current: 0.15% · Tier avg: 0.74%
17
17th pctile
Loan-to-Deposit Ratio
Current: 98.19% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Non-Interest-Bearing Deposit Share
Current: 16.47% · Tier avg: 21.05%
54
54th pctile
Return on Assets
Current: 1.17% · Tier avg: 1.16%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
57
57th pctile
Delinquency Rate
Current: 0.35% · Tier avg: 0.63%
62
62th pctile
Total Assets
Current: $1.3B · Tier avg: $1.4B
64
64th pctile
Total Deposits
Current: $1.1B · Tier avg: $1.2B
72
72th pctile
Total Loans
Current: $1.1B · Tier avg: $975.5M
72
72th pctile
Efficiency Ratio
Current: 55.21% · Tier avg: 62.63%
91
91th pctile
Net Interest Margin
Current: 4.69% · Tier avg: 3.66%