Summit State Bank

Summit State Bank

SSBIยทNASDAQ

$13.55

-0.22%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$91.75M
EPS1.0100
P/E Ratio13.42
Earnings Date05/05/2026
3Y-10.0%
5Y+16.0%
10Y+96.0%
3Y-12.0%
5Y+14.0%
10Y+99.0%
3Y+14.0%
5Y+34.0%
10Y+73.0%
ssbi

Summit State Bank Funding & Solvency Profile

SSBI ยท NASDAQ
Cash & Cash Equivalents65.52M
Net Receivables3.34M
Inventory0.00
Other Current Assets-3.34M
Total Current Assets66 M
Property, Plant & Equipment4.82M
Goodwill & Intangible Assets0.00
Long-Term Investments912.83M
Other Non-Current Assets21.41M
Total Non-Current Assets939 M
Total Assets
1.00B

Financial Health Analysis

Current Ratio

171.08x

Excellent liquidity position. The company can easily cover its short-term obligations with substantial cushion.

Debt-to-Equity Ratio

8.93x

High financial leverage. Heavy reliance on debt may indicate increased financial risk and potential solvency concerns.

Working Capital

65 M

Strong working capital position provides significant operational flexibility and financial cushion.

Asset Composition

7% Current

Capital-intensive business with significant long-term investments in property, equipment, or intangibles.

Financial Health Insight

Mixed signals: Strong short-term liquidity provides comfort, but high overall leverage requires careful monitoring of debt servicing capabilities and refinancing risk.

Summit State Bank Balance Sheet

SSBI โ€ข NASDAQ

Summit State Bank Balance SheetDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 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

SEC Filings

SSBI - Filing history and reports

No SEC filings available for SSBI