Bank · FDIC insured
Summit State Bank
A $959.8M bank headquartered in Santa Rosa, CA, with 4 branches in California. Best rates: CDs 3.27% and savings 0.35% APY.
Summit State Bank Carrot Score
64
Carrot Score
Higher than 12% of U.S. banks and credit unions
#13 of 16 in Santa Rosa, CA metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Summit State Bank
Summit State Bank is headquartered in Santa Rosa, California, and provides business and personal banking in Sonoma County.
- Headquarters
- 500 Bicentennial Way, Santa Rosa, CA 95403
- FDIC certificate
- 32203 ↗
Branches
4 branches in California
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California
4 branches
- Summit State BankMain office500 Bicentennial Way, Santa Rosa, CA 95403Directions
- Healdsburg Branch1001 Vine St, Healdsburg, CA 95448Directions
- Petaluma Branch100 Petaluma Blvd S, Petaluma, CA 94952Directions
- Rohnert Park Branch10 Raleys Towne Ctr, Rohnert Park, CA 94928Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 10.84% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 2.43% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.07% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $90 | $81 | — |
- CapitalLeverage ratio10.84%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent2.43%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.07%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$90Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Summit State Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.