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Overview / Commentary
500 Bicentennial Way
Santa Rosa, CA 95403

Summit State Bank is headquartered in Santa Rosa and is the 94th largest bank in the state of California. It is also the 1,464th largest bank in the nation. It was established in 1982 and as of March of 2014, it had grown to 61 employees at 5 locations. Summit State Bank has a B+ health rating.

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Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Summit State Bank had $9.11 million in non-current loans and owned real-estate with $68.69 million in equity and loan loss allowances on hand to cover it. This gives Summit State Bank a Texas Ratio of 13.26% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Summit State Bank experienced no significant changes from 13.86% as of March 31, 2013 to 13.26% as of March 31, 2014, resulting in a positive change of 4.35%.This indicates that the balance sheet and financial strength for Summit State Bank has had no significant changes in recent periods.

Deposit Growth


In the past year, Summit State Bank has increased its total deposits by $16.16 million, resulting in 4.72% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Summit State Bank has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Summit State Bank has $460.13 million in assets with $68.69 million in equity, resulting in a capitalization level of 14.93%, which is excellent.

Institution Statistics

FDIC Certificate #32203
Year Established1982
Primary RegulatorFDIC
Assets and Liabilities
Assets$460.13 million
Loans$287.62 million
Deposits$358.41 million
Equity Capital$63.26 million
Loan Loss Allowance$5.43 million
Unbacked Noncurrent Loans$5.06 million
Real Estate Owned$4.05 million
Historic Data - March 2013
Assets$438.27 million
Equity Capital$63.43 million
Loan Loss Allowance$5.97 million
Unbacked Noncurrent Loans$5.06 million
Real Estate Owned$4.98 million
Profit Margin - Quarterly
Net Interest Margin3.96%
Return on Assets1.06%
Return on Equity7.75%
Interest Income$4.53 million

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Summit State Bank Locations
Rohnert Park Branch10 Raleys Towne CentreRohnert Park, CA 94928
Healdsburg Branch1001 Vine StreetHealdsburg, CA 95448
Montgomery Village Shopping Center Branch2300 Midway DriveSanta Rosa, CA 95405
Summit State Bank500 Bicentennial WaySanta Rosa, CA 95403
Petaluma Branch701 Sonoma Mountain ParkwayPetaluma, CA 94954