Summit Bank
Eugene, Oregon, Lane County
$1.3B in total assets, the 847th largest of 4,309 US banks and 3rd of 14 headquartered in Oregon.
- FDIC certificate
- 57706
- Established
- 2004
- Owned by
- Summit Bank Group Inc
- Primary regulator
- FDIC
- Website
- https://sbko.bank
At a glance
Compared with 901 US banks with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $1.3B | 24% | $2.0B | |
| Loans | $1.2B | 40% | $1.4B | |
| Deposits | $1.2B | 28% | $1.7B | |
| Return on assets | 1.33% | 59% | 1.23% | |
| Net interest margin | 4.75% | 92% | 3.71% | |
| Efficiency ratio | 53.5% | 34% | 59.1% | |
| Equity to assets | 11.39% | 66% | 10.38% | |
| Loans to deposits | 100% | 82% | 88% |
Growth
Total assets grew 10.4% a year over the last 5 years and 17.6% a year over 10 years, without acquisitions.
Where they operate
5 branches in 4 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Lane County, OR | $707M | 10.3% | 4 of 14 |
| Deschutes County, OR | $235M | 4.6% | 8 of 10 |
| Multnomah County, OR | $179M | 0.5% | 12 of 20 |
| Washington County, OR | $41M | 0.4% | 13 of 16 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 3 branches since 2016 (2 to 5, +150.0%). 3 opened, 0 acquired, 0 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 2 | |||
| 2019 | Opened Portland | 1 | 0 | +1 | 3 |
| 2024 | Opened Hillsboro and Redmond | 2 | 0 | +2 | 5 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 53% | 32% | |
| Business (C&I) | 29% | 14% | |
| Multifamily | 13% | 8% | |
| Construction and land | 3% | 8% | |
| 1-4 family residential | 2% | 25% | |
| Consumer | 0% | 4% | |
| Farmland | 0% | 3% | |
| Agricultural | 0% | 2% | |
| Other | 0% | 3% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 81% | 52% | |
| Noninterest-bearing | 18% | 21% | |
| Time deposits | 1% | 27% |
Brokered deposits are 4.4% of deposits (peers 6.1%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.14% | 0.51% |
| Net charge-offs, annualized | 0.42% | 0.04% |
| Reserves to loans | 1.12% | 1.15% |
| Leverage ratio | 11.34% | 10.52% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Oregon
Largest competitors in Lane County, OR
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/summit-bank-eugene-or