Summit State Bank
Santa Rosa, CA
IDRSSD: 561574
Total Assets
$1.01B
Latest filing
Total Deposits
$888.78M
Latest filing
Net Interest Margin
3.60%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Summit State Bank
500 Bicentennial Way
Santa Rosa, CA 95403
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1982FDIC Certificate 45037
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Summit State Bank (Main) | 500 Bicentennial Way | Santa Rosa, CA |
| MONTGOMERY VILLAGE SHOPPING CENTER BRANCH | 2300 Midway Dr | Santa Rosa, CA |
| ROHNERT PARK BRANCH | 10 Raleys Towne Ctr | Rohnert Park, CA |
| HEALDSBURG BRANCH | 1001 Vine St | Healdsburg, CA |
| PETALUMA BRANCH | 100 Petaluma Blvd S | Petaluma, CA |
Showing 4 of 4
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 | 01/01/1982 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 95403 |
| State and County Number | 06097 |
| 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 | Santa Rosa-Petaluma, CA |
Operational Info
| Number of Employees | 106 |
| Domestic Offices | 5 |
| 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 | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | http://www.summitstatebank.com |
| Data Updated | 11/14/2025 |
| CERT | 32203 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.01B |
| Total Deposits | $888.78M |
| Total Liabilities | $906.79M |
| Total Equity Capital | $99.73M |
| Net Income | $817.00k |
| Net Loans and Leases | $838.40M |
| Assets Per Employee ($Millions) | $9.59M |
| Bank Premises and Fixed Assets | $6.45M |
| Cash and Balances due from Depository Institutions | $57.95M |
| Deposits Held in Domestic Offices | $888.78M |
Key Performance Ratios
| Return on Assets (ROA) | 0.32% |
| Return on Equity (ROE) | 3.3% |
| Net Interest Margin | 3.6% |
| Efficiency Ratio | 57.8% |
| Tier 1 Risk-Based Capital Ratio | 11.549% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 9.908% |
| Earning Assets to total Assets | 94.64% |
Income and Expense
| Total Interest Income | $14.22M |
| Total Noninterest Income | $847.00k |
| Total Interest Expense | $5.55M |
| Total Noninterest Expense | $5.50M |
| Net Interest Income | $8.67M |
| Pre-tax Net Operating Income | $1.28M |
| Provision for Credit Losses | $2.74M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $4.44M |
| Other borrowed funds | $7.11M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.96M |
| Total Liabilities and Capital | $1.01B |
Securities
| Securities | $66.69M |
| Available-for-sale debt securities | $66.69M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $5.95M |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Summit State Bank?
$1.01B as of the latest filing.
How much are Summit State Bank's total deposits?
$888.78M in total deposits.
Where is Summit State Bank located?
Santa Rosa, CA.
What is the Net Interest Margin?
3.60%.
How many domestic offices does it operate?
5.
When was it established?
01/01/1982.
What is the Return on Assets (ROA)?
0.32%.
How much are total loans and leases?
$838.40M (latest filing).
What is the total interest income (latest filing)?
$14.22M.