$13.55
-0.22%Summit 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.
Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.
High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.
Strong working capital position provides significant operational flexibility and financial cushion.
Capital-intensive business with significant long-term investments in property, equipment, or intangibles.
Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.
SSBI โข NASDAQ
| Summit State Bank Balance Sheet | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
ASSETS | ||||||||||||||||||||
CURRENT ASSETS | ||||||||||||||||||||
65.5M | 51.4M | 57.8M | 77.6M | 40.7M | 30.8M | 38.3M | 21.7M | 68.8M | 24.5M | 16.3M | 22.6M | 18.1M | 23M | 8.3M | 4.5M | 2.9M | 3.7M | 5.8M | 10.6M | |
0.0 | 60.1M | 76.3M | 83.8M | 69.4M | 68M | 54.2M | 70.2M | 78.8M | 107.8M | 128.6M | 124.7M | 113.6M | 125.7M | 88.7M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
65.5M | 111.5M | 134.1M | 161.4M | 110.1M | 98.8M | 92.5M | 91.9M | 147.6M | 132.3M | 144.9M | 147.3M | 131.7M | 148.7M | 97M | 4.5M | 2.9M | 3.7M | 5.8M | 10.6M | |
3.3M | 0.0 | 0.0 | 26M | 12.9M | 7.6M | 5.1M | 4.7M | 3.2M | 4.2M | 4.9M | 4M | 7.2M | 4M | 6.6M | 7.4M | 7M | 5.2M | 4.4M | 4.2M | |
0.0 | 0.0 | 0.0 | 17.1M | 9.4M | 7.6M | 5.1M | 4.7M | 3.2M | 4.2M | 4.9M | 4M | 7.2M | 4M | 6.6M | 7.4M | 7M | 5.2M | 4.4M | 4.2M | |
3.3M | 0.0 | 0.0 | 8.9M | 3.5M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
-3.3M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
65.5M | 111.5M | 134.1M | 187.3M | 123M | 106.4M | 97.7M | 96.6M | 150.8M | 136.5M | 149.8M | 151.2M | 138.9M | 152.6M | 103.5M | 11.9M | 9.9M | 8.9M | 10.2M | 14.8M | |
NON-CURRENT ASSETS | ||||||||||||||||||||
4.8M | 5.2M | 5.3M | 5.5M | 5.7M | 6M | 6.3M | 5.8M | 5.3M | 5.4M | 5.5M | 5.8M | 5.5M | 5.2M | 6.7M | 7.3M | 7.7M | 7.8M | 8.5M | 8.2M | |
0.0 | 0.0 | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | |
0.0 | 0.0 | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | 4.1M | |
912.8M | 912.5M | 947M | 922.6M | 824.5M | 745.9M | 584.5M | 512.5M | 445.6M | 362.6M | 349.2M | 289.8M | 298.2M | 275.9M | 270M | 314M | 315.7M | 340.8M | 307.5M | 283.7M | |
21.4M | 38M | 31.9M | -4.1M | 820K | 3.4M | 3.3M | 3.1M | 5.1M | 5.1M | 4.7M | 8.8M | 7.3M | 7.1M | 3.3M | 10.6M | 2.9M | 2.9M | 10M | 2.2M | |
939.1M | 955.6M | 988.4M | 928M | 835.1M | 759.5M | 598.3M | 525.5M | 460.1M | 377.2M | 363.5M | 308.4M | 315.2M | 292.3M | 284.1M | 336M | 330.5M | 355.7M | 330M | 298.1M | |
1B | 1.1B | 1.1B | 1.1B | 958.1M | 865.9M | 696M | 622.1M | 610.9M | 513.7M | 513.4M | 459.7M | 454.1M | 444.9M | 387.6M | 347.9M | 340.4M | 364.6M | 340.2M | 313M | |
LIABILITIES | ||||||||||||||||||||
CURRENT LIABILITIES | ||||||||||||||||||||
0.0 | 0.0 | 0.0 | 12.6M | 5.3M | 4.6M | 3.3M | 2.6M | 2.7M | 1.9M | 3M | 1.8M | 2.7M | 1M | 808K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
0.0 | 0.0 | 0.0 | 12.6M | 5.3M | 4.6M | 3.3M | 2.6M | 2.7M | 1.9M | 3M | 1.8M | 2.7M | 1M | 808K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
5.9M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1.9M | 3M | 1.8M | 2.7M | 1M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 447K | |
-5.5M | 962.6M | 1B | 962.7M | 811.6M | 726.3M | 573.8M | 501.2M | 533.5M | 384.3M | 397.2M | 355.3M | 307.8M | 301M | 312.1M | 280M | 264.3M | 252.8M | 249M | 233M | |
383K | 962.6M | 1B | 975.2M | 816.9M | 730.8M | 577.2M | 503.8M | 536.2M | 388.1M | 403.2M | 358.9M | 346.6M | 343M | 312.9M | 280M | 264.3M | 252.8M | 249M | 233.4M | |
NON-CURRENT LIABILITIES | ||||||||||||||||||||
5.9M | 5.9M | 5.9M | 46.9M | 54.4M | 59.4M | 51.5M | 56.8M | 15M | 68.9M | 55.8M | 35M | 48.5M | 40M | 13.8M | 12M | 20.1M | 55.4M | 42.6M | 31.5M | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 1M | 839K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
897.5M | 6.9M | 9.2M | 4.7M | 2.5M | 0.0 | 0.0 | -1M | -839K | -1.9M | -3M | -1.8M | -2.7M | -1M | -14.6M | 647K | 522K | 850K | -41.7M | -23.2M | |
903.4M | 12.8M | 15.1M | 51.6M | 56.9M | 59.4M | 51.5M | 56.8M | 15M | 67M | 52.8M | 33.2M | 45.8M | 39M | 13.8M | 12.6M | 20.6M | 56.3M | 43.5M | 31.5M | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 587K | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 42.6M | 31.5M | |
903.4M | 975.4M | 1B | 1B | 873.8M | 790.2M | 628.6M | 560.6M | 551.2M | 455.1M | 456M | 392.1M | 392.4M | 382M | 326.6M | 292.6M | 284.9M | 309M | 292.5M | 265.1M | |
SHAREHOLDERS' EQUITY | ||||||||||||||||||||
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 13.7M | 13.7M | 13.7M | 13.7M | 8.1M | 8M | 7.9M | 0.0 | 0.0 | |
38M | 37.7M | 37.5M | 37.2M | 37M | 37M | 37M | 37M | 36.8M | 36.7M | 36.7M | 36.6M | 36.6M | 36.4M | 36.4M | 0.0 | 0.0 | 36.3M | 36.2M | 30M | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 37M | 36.8M | 36.7M | 36.7M | 36.6M | 36.6M | 36.4M | 36.4M | 36.3M | 36.3M | 0.0 | 0.0 | 0.0 | |
69.7M | 62.9M | 69M | 61.4M | 47.6M | 37.5M | 29.9M | 26.3M | 23.4M | 22.8M | 20.1M | 16.6M | 13.3M | 11.3M | 10M | 10.2M | 10.6M | 10.8M | 11.5M | 11.3M | |
-6.5M | -8.9M | -8.8M | -10M | -376K | 1.1M | 457K | -38.8M | -37.4M | -37.6M | -36.2M | -35.9M | -38.6M | -34.8M | -35.4M | 98K | 4K | 54K | 16K | -142K | |
0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 622K | 622K | 622K | 0.0 | 6.7M | |
101.2M | 91.7M | 97.7M | 88.5M | 84.3M | 75.6M | 67.3M | 61.5M | 59.7M | 58.6M | 57.3M | 67.6M | 61.6M | 62.9M | 61M | 55.3M | 55.5M | 55.5M | 47.7M | 47.8M | |
101.2M | 91.7M | 97.7M | 88.5M | 84.3M | 75.6M | 67.3M | 61.5M | 59.7M | 58.6M | 57.3M | 67.6M | 61.6M | 62.9M | 61M | 55.3M | 55.5M | 55.5M | 47.7M | 47.8M | |
SUMMARY | ||||||||||||||||||||
1B | 1.1B | 1.1B | 1.1B | 958.1M | 865.9M | 696M | 622.1M | 610.9M | 513.7M | 513.4M | 459.7M | 454.1M | 444.9M | 387.6M | 347.9M | 340.4M | 364.6M | 340.2M | 313M | |
912.8M | 972.6M | 1B | 1B | 893.9M | 813.9M | 638.8M | 582.7M | 524.3M | 470.4M | 477.8M | 414.5M | 411.8M | 401.6M | 358.6M | 314M | 315.7M | 340.8M | 307.5M | 283.7M | |
5.9M | 5.9M | 5.9M | 46.9M | 54.4M | 59.4M | 51.5M | 56.8M | 15M | 68.9M | 55.8M | 35M | 48.5M | 40M | 13.8M | 12M | 20.1M | 55.4M | 85.2M | 62.9M | |
-59.6M | -45.5M | -51.9M | -30.7M | 13.7M | 28.6M | 13.2M | 35.1M | -53.8M | 44.4M | 39.5M | 12.4M | 30.4M | 17M | 5.5M | 7.5M | 17.2M | 51.8M | 79.4M | 52.3M | |
6,723,658 | 6,723,658 | 6,723,658 | 6,723,658 | 6,723,658 | 6,723,658 | 6,723,658 | 6,723,658 | 6,723,658 | 6,723,658 | 6,723,658 | 6,723,658 | 6,723,658 | 6,723,658 | 6,723,658 | 6,723,658 | 6,723,658 | 6,723,658 | 6,723,658 | 6,723,658 |
SSBI - Filing history and reports
No SEC filings available for SSBI
Continue your SSBI research with focused valuation guides.
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.