Summit State Bank (SSBI)
Provides customized credit and deposit services across Sonoma County and the North Bay.
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Provides customized credit and deposit services to businesses, nonprofits and individuals in Sonoma County and the North Bay. The traditional community-banking model pairs local market knowledge and high-touch service with lending focused on commercial real estate, construction and business loans.
Provides customized credit and deposit services to businesses, nonprofits and individuals through a traditional community-banking model centered on Sonoma County and the wider North Bay. Four depository offices serve Santa Rosa, Rohnert Park, Healdsburg and Petaluma, with a loan-production office in Roseville.
Lending has primarily focused on commercial real estate, construction and business loans. The operating model emphasizes relationship banking, local market knowledge and high-touch service, according to company materials.
As a California state-chartered commercial bank, operations depend on the local credit environment, loan-portfolio composition and CECL-model assumptions. The bank operates under the charter it converted from a savings-and-loan institution.
Company facts
Categories
No analyst consensus on record.
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $112.6M · Total debt $6.0M · Total assets $959.8M · Shareholders' equity $101.4M
- Revenue
- $15.0M
- Operating income
- −$1.9M
- Net income
- −$1.3M
Raised for 17 straight years. To collect a payout, hold shares through the close before the ex-date.
History
| Ex-date | Record | Paid | Amount | Note |
|---|---|---|---|---|
| Oct 3, 2024 | Oct 3 | Oct 10 | $0.04 | cut from $0.12 |
| May 15, 2024 | May 16 | May 23 | $0.12 | |
| Feb 7, 2024 | Feb 8 | Feb 15 | $0.12 | |
| Nov 8, 2023 | Nov 9 | Nov 16 | $0.12 | |
| Aug 9, 2023 | Aug 10 | Aug 17 | $0.12 | |
| May 10, 2023 | May 11 | May 18 | $0.12 | |
| Feb 8, 2023 | Feb 9 | Feb 16 | $0.12 | |
| Nov 9, 2022 | Nov 10 | Nov 17 | $0.12 |
| Institutions25 holders · as of Mar 31, 2026 | 31.17% | 2.11M shares | |
| Otherremainder | 68.83% | 4.66M shares |
6.77M company shares as of Aug 21, 2026 · institutions as of Mar 31, 2026 · holders as of their latest filing
The share count has not been confirmed by a second filing; stakes use it as it stands.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Evidence |
|---|---|---|---|
AllianceBernstein L.P.Institution | 6.56% | 443,943 | 13Fas of Mar 31, 2026 |
M3F, Inc.Institution | 5.23% | 354,229 | 13Fas of Mar 31, 2026 |
Caldwell Sutter Capital, Inc.Institution | 5.13% | 347,063 | 13Fas of Mar 31, 2026 |
Vanguard Capital Management LLCInstitution | 3.39% | 229,332 | 13Fas of Mar 31, 2026 |
Banc Funds Co LLCInstitution | 2.94% | 199,227 | 13Fas of Mar 31, 2026 |
| See all 25 → | |||
13F — a manager's quarterly holdings
Insider tradesForm 4
Nothing filed in the last 12 months.
- Bank of Marin
North Bay commercial banking and CRE lending overlap
- Westamerica Bancorp
Sonoma County commercial banking and branch-network overlap
- TriCo Bancshares
Santa Rosa community and commercial banking overlap
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Summit State Bank | $12.65 | −1.60% | $85.6M | 37.2 | — | 1.5 | −3.2% |
| Bank of Marin | $27.03 | −0.14% | $437.8M | 6.6 | 11.7 | 2.2 | +73.1% |
| Westamerica Bancorp | $58.84 | −0.24% | $1.38B | 13.0 | 12.7 | 5.2 | −2.5% |
| TriCo Bancshares | $53.85 | +2.18% | $1.73B | 12.9 | 12.4 | 3.2 | +9.9% |
| Median | 12.9 | 12.4 | 3.2 | +9.9% |