Summit State Bank(SSBI)Earnings, Financials & Key Ratios
SSBI•NASDAQ•Banking & Credit
13.3× P/E·Price updated Jun 13, 2026
SectorFinancial ServicesIndustryRegional BanksSub-IndustryCommercial and middle-market focused banks
AboutSummit State Bank provides various banking products and services to individuals and businesses primarily in Sonoma County, California. It offers personal and business checking, money market, sweep, savings, and demand accounts; time certificates of deposit; and specialized deposit accounts, such as professional, small business packaged, tiered, individual retirement, and other retirement plan accounts. The company also provides loans, including commercial loans and leases; lines of credit; commercial real estate, small business administration, residential mortgage, and construction loans; home equity lines of credit; and lines of credit, term, and equipment loans, as well as loans to agriculture-related businesses. In addition, the company provides Internet and telephone banking; and other services, such as banking by appointment, online banking, direct payroll and social security deposits, letters of credit, access to national automated teller machine networks, courier, safe deposit boxes, night depository facilities, notary, travelers checks, lockbox, and banking by mail. Further, it offers electronic banking, cash management, and electronic bill payment services. The company operates through five depository offices located in Santa Rosa, Rohnert Park, Healdsburg, and Petaluma, as well as loan production offices in Roseville, California, Irvine, and Scottsdale, Arizona. Summit State Bank was incorporated in 1982 and is headquartered in Santa Rosa, California.Show more
- Net Interest Income$35M+20.7%
- Total Revenue$59M-5.2%
- Net Income$7M+262.1%
- Return on Equity7.05%+259.1%
- Net Interest Margin3.48%+28.2%
- Efficiency Ratio40.54%-13.9%
- ROA0.66%+271.3%
- Equity / Assets10.07%+17.2%
- Book Value per Share15.04+10.1%
- Tangible BV/Share15.04+10.1%
- Debt/Equity0.06-9.1%
SSBI Key Insights
Summit State Bank (SSBI) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Company is almost debt free
- ✓Efficient operations: 40.5% efficiency ratio
- ✓Well capitalized: 10.1% equity/assets
- ✓Trading near 52-week high
- ✓Trading at only 0.9x book value
✗Weaknesses
- ✗Weak 3Y average ROE of 4.7%
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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SSBI Price & Volume
Summit State Bank (SSBI) stock price & volume — 10-year historical chart
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SSBI Growth Metrics
Summit State Bank (SSBI) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years10.73%
5 Years7.71%
3 Years1.56%
TTM-
Profit CAGR
10 Years1.2%
5 Years-8.36%
3 Years-26.29%
TTM262.08%
EPS CAGR
10 Years1.27%
5 Years-8.44%
3 Years-26.46%
TTM263.75%
Return on Capital
10 Years8.24%
5 Years8.35%
3 Years3.22%
Last Year1.62%
SSBI Peer Comparison
Summit State Bank (SSBI) competitors in Commercial and middle-market focused banks — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 CZWI | 206.63M | 21.46 | 14.70 | -9.41% | 16.01% | 7.81% | 0.28 | |
 BSVN | 446.2M | 46.48 | 10.33 | -3.87% | 31.38% | 18.21% | ||
 HAFC | 949.09M | 31.75 | 12.65 | 3.55% | 17.12% | 9.85% | 0.35 | |
 CBNK | 555.66M | 34.07 | 10.02 | 25.32% | 18.83% | 14.79% | 0.13 | |
 WAFD | 2.85B | 37.07 | 14.10 | -1.58% | 17.46% | 8.02% | 0.60 | |
 CVBF | 2.88B | 21.23 | 13.97 | -2.33% | 32.48% | 9.25% | 0.43 | |
 BANR | 2.28B | 67.24 | 11.92 | -0.95% | 23.84% | 10.34% | 0.19 | |
 WABC | 1.44B | 58.15 | 12.84 | -12.64% | 42.74% | 12.53% | 0.17 |
Compare SSBI vs Peers
Summit State Bank (SSBI) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
SSBI Income Statement
Summit State Bank (SSBI) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | 18.34M | 21.36M | 22.75M | 30.03M | 37.36M | 42.13M | 35.05M | 28.96M | 34.95M |
NII Growth % | 0.13% | 16.44% | 6.54% | 32% | 24.41% | 12.75% | -16.81% | -17.36% | 20.66% |
Net Interest Margin % | 3% | 3.43% | 3.27% | 3.47% | 3.9% | 3.78% | 3.12% | 2.71% | 3.48% |
Interest Income | 20.48M | 25.31M | 29.78M | 36.2M | 41.73M | 48.66M | 59.83M | 58.25M | 58.43M |
Interest Expense | 2.14M | 3.95M | 7.03M | 6.16M | 4.37M | 6.53M | 24.78M | 29.29M | 23.48M |
Loan Loss Provision | 520K | 530K | 700K | 2.1M | 1.29M | 2.54M | 274K | 7.94M | 2.53M |
Non-Interest Income | 1.95M | 2.58M | 2.69M | 4.38M | 4.7M | 7.5M | 5.23M | 3.78M | 392K |
Non-Interest Income % | 8.68% | 9.24% | 8.29% | 10.8% | 10.12% | 13.36% | 8.05% | 6.1% | 0.67% |
Total Revenue | 22.43M▲ 0% | 27.88M▲ 24.3% | 32.47M▲ 16.4% | 40.58M▲ 25.0% | 46.43M▲ 14.4% | 56.16M▲ 21.0% | 65.06M▲ 15.9% | 62.03M▼ 4.7% | 58.82M▼ 5.2% |
Revenue Growth % | 2.28% | 24.31% | 16.45% | 24.99% | 14.41% | 20.96% | 15.85% | -4.66% | -5.17% |
Non-Interest Expense | 13.85M | 15.36M | 15.87M | 17.38M | 19.89M | 23.22M | 24.73M | 29.2M | 23.84M |
Efficiency Ratio | 61.73% | 55.08% | 48.87% | 42.82% | 42.83% | 41.34% | 38% | 47.07% | 40.54% |
Operating Income | 5.92M▲ 0% | 8.04M▲ 35.8% | 8.88M▲ 10.3% | 14.94M▲ 68.3% | 20.88M▲ 39.8% | 23.87M▲ 14.3% | 15.28M▼ 36.0% | -4.39M▼ 128.7% | 8.96M▲ 304.3% |
Operating Margin % | 26.4% | 28.85% | 27.34% | 36.81% | 44.97% | 42.51% | 23.49% | -7.07% | 15.24% |
Operating Income Growth % | -29.91% | 35.83% | 10.33% | 68.32% | 39.78% | 14.32% | -35.98% | -128.72% | 304.26% |
Pretax Income | 5.92M▲ 0% | 8.04M▲ 35.8% | 8.88M▲ 10.3% | 14.94M▲ 68.3% | 20.88M▲ 39.8% | 23.87M▲ 14.3% | 15.28M▼ 36.0% | -4.39M▼ 128.7% | 8.96M▲ 304.3% |
Pretax Margin % | 26.4% | 28.85% | 27.34% | 36.81% | 44.97% | 42.51% | 23.49% | -7.07% | 15.24% |
Income Tax | 2.63M | 2.22M | 2.4M | 4.42M | 6.18M | 6.9M | 4.46M | -195K | 2.17M |
Effective Tax Rate % | 44.41% | 27.56% | 27.02% | 29.6% | 29.61% | 28.91% | 29.18% | 4.44% | 24.18% |
Net Income | 3.29M▲ 0% | 5.83M▲ 77.0% | 6.48M▲ 11.2% | 10.52M▲ 62.4% | 14.7M▲ 39.8% | 16.97M▲ 15.4% | 10.82M▼ 36.2% | -4.19M▼ 138.7% | 6.8M▲ 262.1% |
Net Margin % | 14.68% | 20.9% | 19.95% | 25.92% | 31.66% | 30.22% | 16.63% | -6.76% | 11.55% |
Net Income Growth % | -33.72% | 77% | 11.15% | 62.37% | 39.75% | 15.44% | -36.22% | -138.75% | 262.08% |
Net Income (Continuing) | 3.29M | 5.83M | 6.48M | 10.52M | 14.7M | 16.97M | 10.82M | -4.19M | 6.8M |
EPS (Diluted) | 0.49▲ 0% | 0.87▲ 77.6% | 0.97▲ 11.5% | 1.57▲ 61.9% | 2.20▲ 40.1% | 2.54▲ 15.5% | 1.62▼ 36.2% | -0.62▼ 138.3% | 1.01▲ 262.9% |
EPS Growth % | -34.67% | 77.55% | 11.49% | 61.86% | 40.13% | 15.45% | -36.22% | -138.27% | 262.9% |
EPS (Basic) | 0.50 | 0.87 | 0.97 | 1.58 | 2.20 | 2.54 | 1.62 | -0.62 | 1.01 |
Diluted Shares Outstanding | 6.66M | 6.68M | 6.68M | 6.68M | 6.68M | 6.69M | 6.7M | 6.71M | 6.73M |
SSBI Balance Sheet
Summit State Bank (SSBI) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 147.58M | 91.87M | 92.54M | 98.78M | 110.07M | 161.35M | 134.12M | 111.47M | 65.52M |
Cash & Due from Banks | 68.81M | 21.69M | 38.3M | 30.83M | 40.7M | 77.57M | 57.79M | 51.4M | 65.52M |
Short Term Investments | 78.77M | 70.17M | 54.24M | 67.95M | 69.37M | 83.78M | 76.33M | 60.07M | 0 |
Total Investments | 524.35M | 582.71M | 638.79M | 813.89M | 893.85M | 1.01B | 1.02B | 972.56M | 912.83M |
Investments Growth % | 11.47% | 11.13% | 9.62% | 27.41% | 9.82% | 12.59% | 1.69% | -4.96% | -6.14% |
Long-Term Investments | 445.58M | 512.54M | 584.55M | 745.94M | 824.49M | 922.59M | 947.03M | 912.49M | 912.83M |
Accounts Receivables | 3.22M | 4.69M | 5.13M | 7.59M | 9.41M | 17.09M | 0 | 0 | 0 |
Goodwill & Intangibles | 4.12M | 4.12M | 4.12M | 4.12M | 4.12M | 4.12M | 4.12M | 0 | 0 |
Goodwill | 4.12M | 4.12M | 4.12M | 4.12M | 4.12M | 4.12M | 4.12M | 0 | 0 |
Intangible Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
PP&E (Net) | 5.28M | 5.8M | 6.3M | 5.99M | 5.68M | 5.46M | 5.32M | 5.16M | 4.82M |
Other Assets | 5.08M | 3.08M | 3.34M | 3.43M | 820K | -4.14M | 31.92M | 37.98M | 21.41M |
Total Current Assets | 150.8M | 96.56M | 97.67M | 106.37M | 122.98M | 187.32M | 134.12M | 111.47M | 65.52M |
Total Non-Current Assets | 460.06M | 525.55M | 598.31M | 759.48M | 835.1M | 928.02M | 988.39M | 955.62M | 939.06M |
Total Assets | 610.86M▲ 0% | 622.1M▲ 1.8% | 695.98M▲ 11.9% | 865.85M▲ 24.4% | 958.08M▲ 10.7% | 1.12B▲ 16.4% | 1.12B▲ 0.6% | 1.07B▼ 4.9% | 1B▼ 5.9% |
Asset Growth % | 18.91% | 1.84% | 11.87% | 24.41% | 10.65% | 16.41% | 0.64% | -4.94% | -5.86% |
Return on Assets (ROA) | 0.59% | 0.95% | 0.98% | 1.35% | 1.61% | 1.64% | 0.97% | -0.38% | 0.66% |
Accounts Payable | 2.67M | 2.6M | 3.33M | 4.55M | 5.32M | 12.56M | 0 | 0 | 0 |
Total Debt | 15M | 56.8M | 51.46M | 59.38M | 54.39M | 46.91M | 5.92M | 5.93M | 5.95M |
Net Debt | -53.81M | 35.11M | 13.16M | 28.55M | 13.69M | -30.66M | -51.87M | -45.47M | -59.58M |
Long-Term Debt | 15M | 56.8M | 51.46M | 59.38M | 54.39M | 46.91M | 5.92M | 5.93M | 5.95M |
Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Liabilities | -839K | -1.04M | 0 | 0 | 2.48M | 4.68M | 9.22M | 6.87M | 897.47M |
Total Current Liabilities | 536.19M | 503.78M | 577.17M | 730.85M | 816.92M | 975.22M | 1.01B | 962.56M | 383K |
Total Non-Current Liabilities | 15M | 56.8M | 51.46M | 59.38M | 56.87M | 51.58M | 15.14M | 12.81M | 903.41M |
Total Liabilities | 551.19M | 560.58M | 628.63M | 790.23M | 873.8M | 1.03B | 1.02B | 975.37M | 903.41M |
Total Equity | 59.68M▲ 0% | 61.52M▲ 3.1% | 67.34M▲ 9.5% | 75.63M▲ 12.3% | 84.28M▲ 11.4% | 88.55M▲ 5.1% | 97.68M▲ 10.3% | 91.72M▼ 6.1% | 101.17M▲ 10.3% |
Equity Growth % | 1.8% | 3.09% | 9.47% | 12.3% | 11.44% | 5.06% | 10.31% | -6.1% | 10.3% |
Equity / Assets (Capital Ratio) | 9.77% | 9.89% | 9.68% | 8.73% | 8.8% | 7.94% | 8.7% | 8.6% | 10.07% |
Return on Equity (ROE) | 5.57% | 9.62% | 10.05% | 14.71% | 18.38% | 19.64% | 11.62% | -4.43% | 7.05% |
Book Value per Share | 8.95 | 9.21 | 10.08 | 11.32 | 12.61 | 13.24 | 14.58 | 13.66 | 15.04 |
Tangible BV per Share | 8.34 | 8.59 | 9.46 | 10.70 | 12.00 | 12.63 | 13.97 | 13.66 | 15.04 |
Common Stock | 36.85M | 36.97M | 36.98M | 36.98M | 37.01M | 37.18M | 37.47M | 37.74M | 37.95M |
Additional Paid-in Capital | 36.85M | 36.97M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Retained Earnings | 23.43M | 26.34M | 29.91M | 37.51M | 47.64M | 61.39M | 68.96M | 62.87M | 69.67M |
Accumulated OCI | -37.44M | -38.76M | 457K | 1.14M | -376K | -10.02M | -8.75M | -8.89M | -6.45M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
SSBI Cash Flow Statement
Summit State Bank (SSBI) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | 4.24M | 3.75M | 24.46M | 3.72M | 7.47M | 13.72M | -2.38M | 5.85M | 6.59M |
Operating CF Growth % | -18.8% | -11.69% | 552.94% | -84.8% | 101.02% | 83.54% | -117.35% | 345.8% | 12.73% |
Net Income | 3.29M | 5.83M | 6.48M | 10.52M | 14.7M | 16.97M | 10.82M | -4.19M | 6.8M |
Depreciation & Amortization | 339K | 346K | 498K | 433K | 408K | 391K | 385K | 392K | 0 |
Deferred Taxes | 292K | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Non-Cash Items | -955K | -1.44M | 18.13M | -5.7M | -7.9M | -7.56M | -4.9M | 9.47M | 3.83M |
Working Capital Changes | 1.25M | -1.14M | -879K | -1.6M | -196K | 3.31M | -8.71M | 592K | -4.03M |
Cash from Investing | -52.39M | -59.55M | -72.26M | -168.65M | -74.95M | -117.18M | -20.18M | 36.79M | 78.98M |
Purchase of Investments | -16.97M | -3.48M | 0 | -65.91M | -35.7M | -34.03M | -583K | -3.58M | 0 |
Sale/Maturity of Investments | 46.33M | 10.24M | 19.08M | 61.91M | 30.94M | 2.3M | 998K | 16.18M | 0 |
Net Investment Activity | 29.36M | 6.76M | 19.08M | -4M | -4.75M | -31.73M | 415K | 12.6M | 0 |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Investing | -81.54M | -65.44M | -90.35M | -164.52M | -70.11M | -85.28M | -20.36M | 24.42M | 78.98M |
Cash from Financing | 92.73M | 6.68M | 64.41M | 157.46M | 77.35M | 140.33M | 2.79M | -49.03M | -71.45M |
Dividends Paid | -2.75M | -2.91M | -2.91M | -2.91M | -2.99M | -3.23M | -3.25M | -1.9M | 0 |
Share Repurchases | 0 | 0 | 5.32M | 0 | 0 | 0 | 0 | 0 | 0 |
Stock Issued | 121K | 120K | 14K | 0 | 33K | 0 | 0 | 0 | 0 |
Net Stock Activity | 121K | 120K | 5.34M | 0 | 33K | 0 | 0 | 0 | 0 |
Debt Issuance (Net) | -1000K | 1000K | -1000K | 1000K | -1000K | -1000K | -1000K | 0 | 0 |
Other Financing | 149.38M | -32.2M | 72.66M | 152.46M | 85.31M | 151.06M | 47.04M | -47.13M | -71.45M |
Net Change in Cash | 44.58M▲ 0% | -49.12M▼ 210.2% | 16.61M▲ 133.8% | -7.47M▼ 145.0% | 9.87M▲ 232.1% | 36.87M▲ 273.4% | -19.78M▼ 153.6% | -6.39M▲ 67.7% | 14.12M▲ 321.1% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 26.23M | 70.81M | 21.69M | 38.3M | 30.83M | 40.7M | 77.57M | 57.79M | 51.4M |
Cash at End | 70.81M | 21.69M | 38.3M | 30.83M | 40.7M | 77.57M | 57.79M | 51.4M | 65.52M |
Interest Paid | 2.08M | 3.83M | 6.99M | 6.14M | 4.59M | 6.44M | 24.35M | 28.22M | 24.84M |
Income Taxes Paid | 2.67M | 3.22M | 2.14M | 5.69M | 5.69M | 5.65M | 6.46M | 429K | 360K |
Free Cash Flow | 4.04M▲ 0% | 2.88M▼ 28.8% | 23.46M▲ 715.8% | 3.59M▼ 84.7% | 7.38M▲ 105.5% | 13.54M▲ 83.4% | -2.62M▼ 119.3% | 5.62M▲ 314.5% | 6.55M▲ 16.5% |
FCF Growth % | -19.21% | -28.76% | 715.82% | -84.69% | 105.54% | 83.43% | -119.35% | 314.47% | 16.53% |
SSBI Banking Ratios
Summit State Bank (SSBI) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 8.57% | 5.57% | 9.62% | 10.05% | 14.71% | 18.38% | 19.64% | 11.62% | -4.43% | 7.05% |
| Return on Assets (ROA) | 0.97% | 0.59% | 0.95% | 0.98% | 1.35% | 1.61% | 1.64% | 0.97% | -0.38% | 0.66% |
| Net Interest Margin | 3.57% | 3% | 3.43% | 3.27% | 3.47% | 3.9% | 3.78% | 3.12% | 2.71% | 3.48% |
| Efficiency Ratio | 55.84% | 61.73% | 55.08% | 48.87% | 42.82% | 42.83% | 41.34% | 38% | 47.07% | 40.54% |
| Equity / Assets | 11.41% | 9.77% | 9.89% | 9.68% | 8.73% | 8.8% | 7.94% | 8.7% | 8.6% | 10.07% |
| Book Value / Share | 8.83 | 8.95 | 9.21 | 10.08 | 11.32 | 12.61 | 13.24 | 14.58 | 13.66 | 15.04 |
| NII Growth | 5.81% | 0.13% | 16.44% | 6.54% | 32% | 24.41% | 12.75% | -16.81% | -17.36% | 20.66% |
| Dividend Payout | 46.43% | 83.57% | 49.97% | 44.97% | 27.7% | 20.34% | 19.01% | 30.04% | - | - |
Related:SSBI Dividend History·SSBI Revenue History·SSBI Price History·SSBI P/E History·SSBI Financial Ratios·SSBI Institutional Holders
SSBI Frequently Asked Questions
Summit State Bank (SSBI) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
Summit State Bank (SSBI) saw revenue decline by 5.2% over the past year.
Yes, Summit State Bank (SSBI) is profitable, generating $6.8M in net income for fiscal year 2025 (11.6% net margin).
Dividend & Returns
Summit State Bank (SSBI) has a return on equity (ROE) of 7.0%. This is below average, suggesting room for improvement.
Industry Metrics
Summit State Bank (SSBI) has a net interest margin (NIM) of 3.5%. This indicates healthy earnings from lending activities.
Summit State Bank (SSBI) has an efficiency ratio of 40.5%. This is excellent, indicating strong cost control.