Summit Bank
Oakland, CA
IDRSSD: 351560
Total Assets
$278.78M
Latest filing
Total Deposits
$220.39M
Latest filing
Net Interest Margin
5.47%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Summit Bank
2969 Broadway
Oakland, CA 94611
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/01/1982FDIC Certificate 16672
Branches (2)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Summit Bank (Main) | 2969 Broadway | Oakland, CA |
| WALNUT CREEK BRANCH | 1701 N California Blvd | Walnut Creek, CA |
| EMERYVILLE BRANCH | 2000 Powell St | Emeryville, CA |
Showing 2 of 2
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 07/01/1982 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 94611 |
| State and County Number | 06001 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 12 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | San Francisco |
| Core Based Statistical Area Name | San Francisco-Oakland-Berkeley, CA |
Operational Info
| Number of Employees | 33 |
| Domestic Offices | 3 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 07/01/1982 |
| Primary Insurance Agency | DIF |
| Website | www.summitbanking.com |
| Data Updated | 01/30/2026 |
| CERT | 23864 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $278.78M |
| Total Deposits | $220.39M |
| Total Liabilities | $229.90M |
| Total Equity Capital | $48.89M |
| Net Income | $673.00k |
| Net Loans and Leases | $185.07M |
| Assets Per Employee ($Millions) | $8.45M |
| Bank Premises and Fixed Assets | $6.08M |
| Cash and Balances due from Depository Institutions | $75.26M |
| Deposits Held in Domestic Offices | $220.39M |
Key Performance Ratios
| Return on Assets (ROA) | 0.95% |
| Return on Equity (ROE) | 5.52% |
| Net Interest Margin | 5.47% |
| Efficiency Ratio | 74.01% |
| Tier 1 Risk-Based Capital Ratio | 23.378% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 17.536% |
| Earning Assets to total Assets | 91.88% |
Income and Expense
| Total Interest Income | $4.13M |
| Total Noninterest Income | $177.00k |
| Total Interest Expense | $583.00k |
| Total Noninterest Expense | $2.75M |
| Net Interest Income | $3.54M |
| Pre-tax Net Operating Income | $967.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $9.51M |
| Total Liabilities and Capital | $278.78M |
Securities
| Securities | $396.00k |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $396.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Summit Bank?
$278.78M as of the latest filing.
How much are Summit Bank's total deposits?
$220.39M in total deposits.
Where is Summit Bank located?
Oakland, CA.
What is the Net Interest Margin?
5.47%.
How many domestic offices does it operate?
3.
When was it established?
07/01/1982.
What is the Return on Assets (ROA)?
0.95%.
How much are total loans and leases?
$185.07M (latest filing).
What is the total interest income (latest filing)?
$4.13M.