Summit State Bank
Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.7 has resulted in Fair (3.5) profitability. A current level of 20.0 percent of nonperforming loans to core capital combined with 27.3 percent from a year earlier contributes to the Weak asset quality (2.1).
Other Rating Factors:
Excellent current capitalization (8.9 on a scale of 0 to 10) based on a risk-based capital ratio of 13.2 and a capital leverage ratio of 10.2. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.5 on a scale of 0 to 10).
Asset Mix:
Comm re (64%), securities (7%), cash (6%), comm loans (5%), home mtgs (5%), other (13%)
States with Branches:
CA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Investment Rating
--
Address
500 Bicentennial Way
Santa Rosa, CA 95403
Santa Rosa, CA 95403
Phone Number
(707) 568-6000
Year Founded
1982
FDIC Number
Website
Largest Affiliates
No affiliate information available.