FDIC Cert #57706 · Eugene, Oregon · Est. 2004

Summit Bank - FDIC Bank Health Profile

A community-scale look at Summit Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$1.3B
Total assets
A
Health grade · Excellent
1.17%
Return on assets
10.9%
Tier 1 capital

Data updated July 2026

The verdict

Summit Bank earns a PlainBankData health grade of A (80/100), with well-capitalized at 10.91% Tier 1, profitable at 1.17% ROA, efficient (55% cost ratio).

#859
largest of 4,313 FDIC banks by assets
80th
percentile by asset size, nationally
10.91%
Tier 1 ratio - above the 10% well-capitalized line
55th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 57706 · OR A · 80/100

GRADE-A · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-REGIONAL · BOOK-FULL

  • GRADE-A A (80/100)
  • MID-PACK #1946/4307
  • PHOTO-FINISH Ally Bank · UT
  • TIER1-WELL 10.9% Tier 1
  • TEXAS-CLEAN 2.5% Texas
  • ROA-PAR 1.17% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oregon: Ally Bank, UT (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Summit Bank

Lowest and highest poles plus nearest scored peers outside Oregon, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Ally Bank · UT · near80/100Banesco USA · FL · near80/100Heritage Bank · KS · near80/100PeoplesTrust Bank · AL · near80/100Summit Bank · OR · this bank80/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Summit Bank · July 2026

What Summit Bank's Call Report plate shows

Summit Bank (FDIC Cert #57706) carries a PlainBankData health grade of A at 80/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #1,946 of 4,307. Tier 1 capital prints at 10.91%, clearing the 10% well-capitalized line. The Texas Ratio is 2.46%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.17%. Balance-sheet scale is $1.3B, 859th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Ally Bank (UT), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Summit Bank

6 FAILURE resolutions in Oregon since 2000 (6 since 2008)

Summit Bank's home state sits in the middle band of post-2000 FAILURE counts (6; 6 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Summit Bank remains an active FDIC-insured reporter.

  • LIBERTYBANK EUGENE, OR 2010 → HOME FEDERAL BANK
  • HOME VALLEY BANK CAVE JUNCTION, OR 2010 → SOUTH VALLEY BANK & TRUST
  • COLUMBIA RIVER BANK THE DALLES, OR 2010 → COLUMBIA STATE BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oregon banks.

How Summit Bank's 80/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10080/100
Summit Bank's composite health score
Tier 1 Capital Ratio (10.91%) 28/40
Return on Assets (ROA) (1.17%) 20/25
Texas Ratio (2.46%) 20/20
Efficiency Ratio (55.21%) 12/15

80 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$1.3B

Total balance-sheet footings

Total Deposits

$1.1B

Customer-funded liabilities

Net Loans

$1.1B

Outstanding loan book

Net Income

$15M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.51% 10.91% 12.31%
Basel III capital ratios - Summit Bank

Where Summit Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Summit Bank's score of 80/100 falls in the highlighted band.

Summit Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

80 Top 45% higher than 55% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). Below this entry. 80–90: 1,237 FDIC-insured banks (29%). This entry sits in this band. 90–100: 815 FDIC-insured banks (19%). Above this entry. Summit Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Summit Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Summit Bank's $1.3B falls in the highlighted band.

Safety ratios for Summit Bank

Tier 1 capital ratio
Well-capitalized 10%

10.91% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.91%
Texas Ratio
2.46%
Equity Capital
$142M

What these ratios mean →

Earnings posture at Summit Bank

Return on Assets (ROA)
55th percentile nationally
1.17%
Return on Equity (ROE)
11.18%
Efficiency Ratio
55.21%

What these mean →

Income & expense at Summit Bank

$81M
Interest Income
$2M
Non-Interest Income
$32M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Summit Bank reports a Texas Ratio of 2.46% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

2.46% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Summit Bank on FDIC BankFind →

Top banks in Oregon by total assets

Largest banks headquartered in Oregon
  1. 1
    Columbia Bank $66.8B

    Roseburg, OR · Grade A

  2. 2
    Summit Bank $1.3B

    Eugene, OR · Grade A

  3. 3
    Bank of Eastern Oregon $960M

    Heppner, OR · Grade A

  4. 4
    Citizens Bank $832M

    Corvallis, OR · Grade B

  5. 5
    Oregon Pacific Banking Company dba Or… $812M

    Florence, OR · Grade A

Top 5 banks in Oregon ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.3B here), outside Oregon so the neighborhood is not state containment.

Coastal Carolina National Bank $1.3B · SC Farmers State Bank $1.3B · IN Bank of the Pacific $1.3B · WA Martha's Vineyard Bank $1.3B · MA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Summit Bank (FDIC Cert #57706) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Summit Bank Call Report profile · FDIC Failed Bank List · Oregon FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oregon

All Oregon banks →
BankAssetsGradeROA
Columbia BankRoseburg $66.8B A 1.00%
Bank of Eastern OregonHeppner $960M A 1.83%
Citizens BankCorvallis $832M B 0.31%
Oregon Pacific Banking Company dba Oregon Pacific BankFlorence $812M A 1.16%
People's Bank of CommerceMedford $789M A 1.14%
Pioneer Trust Bank, National AssociationSalem $735M A 2.32%
First Federal Savings and Loan Association of McMinnvilleMcminnville $669M B 0.35%
Evergreen Federal BankGrants Pass $617M B 0.59%