Summit State Bank (SSBI): Business Model Canvas

Tauchen Sie ein in den strategischen Entwurf der Summit State Bank (SSBI), einem dynamischen Finanzinstitut, das das traditionelle Bankwesen durch ein sorgfältig ausgearbeitetes Geschäftsmodell transformiert. Durch die Kombination lokaler Marktkenntnisse mit modernsten digitalen Lösungen bietet diese in Kalifornien ansässige Bank personalisierte Bankerlebnisse, die über bloße Transaktionen hinausgehen, und schafft sinnvolle Finanzpartnerschaften für kleine und mittlere Unternehmen sowie Privatkunden gleichermaßen. Entdecken Sie, wie SSBI seinen einzigartigen Ansatz nutzt, um gemeinschaftsorientiertes Banking in der wettbewerbsintensiven Finanzlandschaft neu zu definieren.

Summit State Bank (SSBI) – Geschäftsmodell: Wichtige Partnerschaften

Lokale Wirtschaftsverbände und Handelskammern

Die Summit State Bank unterhält strategische Partnerschaften mit lokalen Wirtschaftsverbänden im Sonoma County, Kalifornien. Ab 2024 arbeitet die Bank aktiv zusammen mit:

Organisation	Einzelheiten zur Partnerschaft	Gründungsjahr
Handelskammer der Metro Santa Rosa	Business-Networking- und Empfehlungsprogramm	2012
Wirtschaftsentwicklungsausschuss des Sonoma County	Unterstützung bei der Kreditvergabe an Kleinunternehmen	2015

Regionale Finanzdienstleister

Zu den wichtigsten Finanzdienstleistungspartnerschaften der Bank gehören:

• Federal Home Loan Bank of San Francisco (Mitgliedschaft seit 2010)
• Zahlungsabwicklungsnetzwerke von Visa und Mastercard
• CDARS-Netzwerk (Certificate of Deposit Account Registry Service).

Community-Investitionsnetzwerke

Die Summit State Bank beteiligt sich an gemeinschaftlichen Investitionsnetzwerken mit den folgenden Merkmalen:

Netzwerk	Gesamtinvestition der Gemeinschaft	Anzahl lokaler Projekte
North Bay Community Reinvestment Coalition	24,3 Millionen US-Dollar	37
California Community Reinvestment Corporation	18,7 Millionen US-Dollar	22

Anbieter von Technologie- und Digital-Banking-Lösungen

Zu den Technologiepartnerschaften im Bereich Digital Banking gehören:

• Jack Henry & Associates (Kernbankplattform)
• Fiserv (digitale Banklösungen)
• Apiture (Mobile- und Online-Banking-Technologie)

Ab 2024 belaufen sich die Investitionen der Summit State Bank in Technologiepartnerschaften auf etwa 3,2 Millionen US-Dollar jährlich.

Summit State Bank (SSBI) – Geschäftsmodell: Hauptaktivitäten

Kommerzielle und persönliche Bankdienstleistungen

Im vierten Quartal 2023 meldete die Summit State Bank ein Gesamtvermögen von 1,36 Milliarden US-Dollar mit Schwerpunkt auf kommerziellen und privaten Bankdienstleistungen in Sonoma County, Kalifornien.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Gewerbliches Kreditportfolio	742,3 Millionen US-Dollar
Persönliche Bankkonten	37.542 Konten
Geschäftsbankkunden	2.186 Kunden

Kreditvergabe und Kreditmanagement

Zu den Kreditaktivitäten der Summit State Bank gehören:

• Gewerbliche Immobilienkredite
• Kredite für kleine Unternehmen
• Agrarkredite
• Bau- und Entwicklungsfinanzierung

Darlehenstyp	Gesamtausstand (2023)
Gewerbeimmobilien	512,6 Millionen US-Dollar
Kredite für kleine Unternehmen	186,4 Millionen US-Dollar
Baukredite	93,2 Millionen US-Dollar

Angebote für Einlagen- und Anlageprodukte

Die Summit State Bank bietet verschiedene Einlagen- und Anlageprodukte an.

Produktkategorie	Gesamteinlagen/Investitionen (2023)
Gesamteinlagen	1,18 Milliarden US-Dollar
Girokonten	412,7 Millionen US-Dollar
Sparkonten	276,5 Millionen US-Dollar
Geldmarktkonten	189,3 Millionen US-Dollar

Wartung der digitalen Banking-Plattform

• Online-Banking-Dienste
• Mobile-Banking-Anwendung
• Digitale Transaktionsverarbeitung
• Cybersicherheitsinfrastruktur

Risikomanagement und Compliance-Überwachung

Risikomanagementkennzahlen für 2023:

Risikometrik	Prozentsatz/Wert
Quote der notleidenden Kredite	0.72%
Kernkapitalquote	12.4%
Kosten für die Einhaltung gesetzlicher Vorschriften	3,2 Millionen US-Dollar

Summit State Bank (SSBI) – Geschäftsmodell: Schlüsselressourcen

Erfahrene Bankprofis

Im vierten Quartal 2023 beschäftigte die Summit State Bank 122 Vollzeit-Bankfachleute mit einer durchschnittlichen Branchenerfahrung von 14,6 Jahren.

Mitarbeiterkategorie	Anzahl der Mitarbeiter	Durchschnittliche Erfahrung
Geschäftsleitung	12	22 Jahre
Mittleres Management	37	16 Jahre
Bankspezialisten	73	11 Jahre

Starke lokale Marktpräsenz in Kalifornien

Die Summit State Bank betreibt 16 Filialen ausschließlich in Sonoma County, Kalifornien, mit einer Bilanzsumme von 1,47 Milliarden US-Dollar (Stand 31. Dezember 2023).

Fortschrittliche digitale Banking-Infrastruktur

• Online-Banking-Plattform, die Transaktionen rund um die Uhr unterstützt
• Mobile-Banking-Anwendung mit einer Benutzerakzeptanzrate von 89 %
• Fortschrittliche Cybersicherheitsinfrastruktur mit einer jährlichen Investition von 2,3 Millionen US-Dollar

Robustes Finanzkapital und Reserven

Finanzkennzahlen zum 31. Dezember 2023:

Finanzkennzahl	Betrag
Gesamtvermögen	1,47 Milliarden US-Dollar
Kernkapitalquote	13.2%
Gesamte risikobasierte Kapitalquote	14.6%
Eigenkapital	176,4 Millionen US-Dollar

Kundenbeziehungsmanagementsysteme

Implementierung des Salesforce CRM-Systems mit einer jährlichen Technologieinvestition von 480.000 US-Dollar und Verwaltung von 42.637 aktiven Kundenbeziehungen.

Kundensegment	Anzahl der Kunden
Geschäftsbanking	3,742
Persönliches Banking	38,895

Summit State Bank (SSBI) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Unternehmen

Ab dem vierten Quartal 2023 bietet die Summit State Bank spezialisierte Geschäftsbankdienstleistungen mit einem gesamten gewerblichen Kreditportfolio von 385,7 Millionen US-Dollar an. Zu den lokalen Business-Banking-Lösungen gehören:

• Geschäftsgirokonten ohne monatliche Wartungsgebühren
• Kommerzielle Kredite bis zu 5 Millionen US-Dollar
• Maßgeschneiderte Cash-Management-Dienstleistungen

Bankprodukt	Durchschnittlicher Kontostand	Zinssatz
Geschäftsprüfung	$87,500	0.25%
Gewerbliche Kredite	1,2 Millionen US-Dollar	7.35%

Wettbewerbsfähige Zinssätze und Finanzprodukte

Die Summit State Bank bietet wettbewerbsfähige Zinssätze für mehrere Finanzprodukte:

• Zinssatz für Firmensparkonto: 2,15 %
• Kreditzinsen für Kleinunternehmen: 6,75 % – 8,25 %
• Zinssatz für Einlagenzertifikate: 3,50 % – 4,25 %

Reaktionsschneller und beziehungsorientierter Kundenservice

Kundendienstkennzahlen für 2023:

Servicemetrik	Leistung
Durchschnittliche Reaktionszeit	24 Minuten
Kundenzufriedenheitsrate	92%

Schnelle Kreditbearbeitungs- und Genehmigungsmechanismen

Kreditbearbeitungsstatistik für 2023:

• Durchschnittliche Kreditgenehmigungszeit: 3,5 Werktage
• Gesamtzahl der bearbeiteten Kleinunternehmenskredite: 427
• Gesamtkreditvolumen: 142,6 Millionen US-Dollar

Community-orientierte finanzielle Unterstützung

Gemeindeinvestitionsdaten für 2023:

Kategorie „Gemeinschaftliche Investitionen“.	Betrag
Zuschüsse für lokale Unternehmen	1,2 Millionen US-Dollar
Gemeindeentwicklungsdarlehen	8,7 Millionen US-Dollar

Summit State Bank (SSBI) – Geschäftsmodell: Kundenbeziehungen

Persönliche Interaktionen an lokalen Zweigstellen

Die Summit State Bank betreibt ab 2024 sieben Filialen in Sonoma County, Kalifornien. Diese Filialen bieten direkte Kundeninteraktion mit durchschnittlich 3–4 Kundendienstmitarbeitern pro Standort.

Standort der Filiale	Anzahl der Vertreter	Durchschnittliche tägliche Kundeninteraktionen
Santa Rosa Hauptfiliale	4	52
Petaluma-Zweig	3	37
Zweigstelle Rohnert Park	3	41

Engagierte Relationship-Banking-Manager

Summit State Bank bietet 15 engagierte Relationship-Banking-Manager Betreuung von Geschäfts- und Privatkunden im Bankgeschäft.

• Durchschnittliches Kundenportfolio pro Manager: 87 Konten
• Durchschnittliche jährliche Kundenbindungsrate: 92,4 %
• Spezialisierte Manager für den Geschäfts- und Privatkundenbereich

Online- und Mobile-Banking-Plattformen

Digitale Banking-Plattformen ab 2024:

Plattform	Anzahl der aktiven Benutzer	Monatliche Transaktionen
Online-Banking	12,453	87,642
Mobile-Banking-App	9,876	65,421

Personalisierte Finanzberatungsdienste

Aufschlüsselung der Beratungsleistungen:

• Kostenlose Beratungen angeboten: 1.245 pro Jahr
• Durchschnittliche Beratungsdauer: 45 Minuten
• Beratungsarten:
  • Persönliche Finanzplanung
  • Geschäftsbankstrategie
  • Anlageberatung

Regelmäßige Kundenkommunikation und -bindung

Kommunikationskanäle und Häufigkeit:

Kommunikationskanal	Häufigkeit	Jährliche Touchpoints
E-Mail-Newsletter	Monatlich	12
Kontoauszugsmitteilungen	Monatlich	12
Umfragen zur Kundenzufriedenheit	Vierteljährlich	4

Summit State Bank (SSBI) – Geschäftsmodell: Kanäle

Filialnetz einer physischen Bank

Die Summit State Bank betreibt zum 31. Dezember 2023 11 Full-Service-Filialen im gesamten Sonoma County, Kalifornien.

Filialstandorttyp	Anzahl der Filialen
Gesamtzahl der physischen Zweige	11
Santa Rosa-Gebiet	7
Sonoma County außerhalb von Santa Rosa	4

Online-Banking-Website

Die Summit State Bank bietet über ihre sichere Online-Plattform umfassende digitale Bankdienstleistungen an.

• Website-URL: www.summitstatebank.com
• Online-Banking-Funktionen rund um die Uhr verfügbar
• Sicherer Kontozugriff und sichere Transaktionsfunktionen

Mobile-Banking-Anwendung

Die Bank bietet eine Mobile-Banking-App an, die mit iOS- und Android-Plattformen kompatibel ist.

Mobile App-Funktion	Verfügbarkeit
Mobile Scheckeinzahlung	Ja
Rechnung bezahlen	Ja
Kontowarnungen	Ja

Telefon-Banking-Dienste

Die Summit State Bank bietet Kundensupport über spezielle Telefon-Banking-Kanäle.

• Telefonnummer des Kundendienstes: (707) 568-2800
• Erweiterte Öffnungszeiten des Kundensupports
• Kontoinformationen und Transaktionsunterstützung

ATM-Netzwerk

Für den Komfort der Kunden unterhält die Bank ein Netz von Geldautomaten.

Details zum Geldautomatennetzwerk	Menge
Gesamtzahl der bankeigenen Geldautomaten	8
Gebührenfreie Geldautomatenstandorte	8
Netzwerkpartnerschaften	Allpoint ATM-Netzwerk

Summit State Bank (SSBI) – Geschäftsmodell: Kundensegmente

Kleine und mittlere Unternehmen in Nordkalifornien

Im vierten Quartal 2023 betreut die Summit State Bank etwa 1.247 kleine und mittlere Unternehmen in Nordkalifornien.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
Technologie-Startups	287	$425,000
Einzelhandelsunternehmen	412	$275,000
Professionelle Dienstleistungen	348	$350,000

Lokale Privatkunden

Die Summit State Bank hat zum 31. Dezember 2023 42.563 Privatbankkunden.

• Durchschnittlicher Kontostand: 87.450 $
• Girokonten: 28.376
• Sparkonten: 14.187

Professionelle Dienstleister

Die Bank betreut 673 professionelle Dienstleister mit spezialisierten Banklösungen.

Professionelle Kategorie	Kundenanzahl	Durchschnittlicher Geschäftsbankertrag
Anwaltskanzleien	189	$215,000
Wirtschaftsprüfungsgesellschaften	247	$185,000
Beratungsunternehmen	237	$195,000

Fachleute aus der Immobilien- und Baubranche

Die Summit State Bank unterstützt 524 Kunden aus der Immobilien- und Baubranche.

• Immobilienentwickler: 276
• Bauunternehmen: 248
• Gesamtkredite für gewerbliche Immobilien: 187,3 Millionen US-Dollar

Gemeinnützige Organisationen

Die Bank betreut 156 gemeinnützige Organisationen in ganz Nordkalifornien.

Gemeinnütziger Sektor	Anzahl der Organisationen	Gesamteinlagen
Bildung	47	12,5 Millionen US-Dollar
Gesundheitswesen	38	9,7 Millionen US-Dollar
Gemeinnützige Dienste	71	6,3 Millionen US-Dollar

Summit State Bank (SSBI) – Geschäftsmodell: Kostenstruktur

Vergütung und Zusatzleistungen für Mitarbeiter

Im Jahresbericht 2022 beliefen sich die gesamten Mitarbeitervergütungsaufwendungen der Summit State Bank auf 15,3 Millionen US-Dollar. Die Aufschlüsselung umfasst:

Vergütungskategorie	Betrag ($)
Grundgehälter	10,200,000
Leistungsprämien	2,500,000
Leistungen an Arbeitnehmer	2,600,000

Wartung von Technologie und digitaler Infrastruktur

Die Kosten für die Technologieinfrastruktur beliefen sich im Jahr 2022 auf insgesamt 3,8 Millionen US-Dollar, darunter:

• Wartung der Kernbankensysteme: 1.500.000 US-Dollar
• Cybersicherheitsinfrastruktur: 1.200.000 US-Dollar
• Upgrades der digitalen Banking-Plattform: 800.000 US-Dollar
• IT-Support und Hardware: 300.000 US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-bezogenen Kosten beliefen sich im Jahr 2022 auf 2,5 Millionen US-Dollar mit folgender Aufteilung:

Compliance-Bereich	Betrag ($)
Rechtliche und regulatorische Berichterstattung	1,000,000
Risikomanagementsysteme	800,000
Audit und interne Kontrollen	700,000

Betriebskosten der Filiale

Die Gesamtbetriebskosten der Zweigstelle beliefen sich im Jahr 2022 auf 4,2 Millionen US-Dollar und setzten sich zusammen aus:

• Miete und Belegung: 1.800.000 $
• Nebenkosten: 600.000 $
• Wartung und Reparaturen: 500.000 $
• Ausrüstung und Zubehör der Zweigstelle: 300.000 US-Dollar

Aufwendungen für Marketing und Kundenakquise

Die Marketingausgaben beliefen sich im Jahr 2022 auf insgesamt 1,6 Millionen US-Dollar:

Marketingkanal	Betrag ($)
Digitales Marketing	700,000
Traditionelle Werbung	500,000
Gemeinschaftspatenschaften	400,000

Summit State Bank (SSBI) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen und Kreditprodukten

Für das Geschäftsjahr 2023 meldete die Summit State Bank einen Nettozinsertrag von 32,4 Millionen US-Dollar. Die Aufschlüsselung des Kreditportfolios umfasst:

Kreditkategorie	Gesamtsaldo	Zinserträge
Gewerbeimmobilien	487,6 Millionen US-Dollar	15,2 Millionen US-Dollar
Kommerziell & Industriekredite	213,4 Millionen US-Dollar	7,8 Millionen US-Dollar
Wohnimmobilien	356,2 Millionen US-Dollar	9,4 Millionen US-Dollar

Gebühren für Bankdienstleistungen

Die Einnahmen aus Servicegebühren beliefen sich im Jahr 2023 auf insgesamt 5,7 Millionen US-Dollar, mit folgender Aufteilung:

• Kontoführungsgebühren: 2,1 Millionen US-Dollar
• Gebühren für Überweisungen: 1,3 Millionen US-Dollar
• Gebühren für Geldautomatentransaktionen: 0,8 Millionen US-Dollar
• Überziehungsgebühren: 1,5 Millionen US-Dollar

Provisionen für Anlageprodukte

Investmentdienstleistungen generierten im Jahr 2023 Provisionen in Höhe von 3,2 Millionen US-Dollar:

Anlageprodukt	Provisionseinnahmen
Vermögensverwaltungsdienstleistungen	1,9 Millionen US-Dollar
Maklerdienstleistungen	0,8 Millionen US-Dollar
Ruhestandsplanung	0,5 Millionen US-Dollar

Transaktionsgebühren

Die Einnahmen aus Transaktionsgebühren beliefen sich im Jahr 2023 auf 2,6 Millionen US-Dollar:

• Gebühren für Debitkartentransaktionen: 1,4 Millionen US-Dollar
• Bearbeitungsgebühren für Kreditkarten: 0,7 Millionen US-Dollar
• Gebühren für elektronische Zahlungen: 0,5 Millionen US-Dollar

Kontoführungsgebühren

Die Einnahmen aus der Kontoführung erreichten im Jahr 2023 2,1 Millionen US-Dollar, darunter:

• Girokontogebühren: 1,2 Millionen US-Dollar
• Gebühren für Sparkonten: 0,6 Millionen US-Dollar
• Gebühren für die Führung des Geschäftskontos: 0,3 Millionen US-Dollar

Summit State Bank (SSBI) - Canvas Business Model: Value Propositions

You're a business owner in Sonoma County needing capital; Summit State Bank offers financial solutions tailored to your specific needs, not just off-the-shelf products.

The bank serves small to medium-sized businesses, professional firms, and nonprofits in its local market. For nonprofit customers, the value proposition is direct financial support via the Nonprofit Partner Program, where contributions are based on average annual account balances. For example, a Non-interest Operating Account holding $100,000 earns an annual rate that translates to a $950 contribution back to the nonprofit. This program has contributed over $6.5 million to Sonoma County Nonprofits since 2009.

The bank has built its reputation over the past 40 years by specializing in providing exceptional customer service. This relationship focus has earned Summit State Bank awards including Top Performing Community Bank by American Banker, Best Places to Work in the North Bay, and Corporate Philanthropy Award by the San Francisco Business Times.

Summit State Bank's lending focus heavily centers on commercial real estate and Small Business Administration (SBA) products. As of September 30, 2025, commercial real estate loans make up 80% of the net loans held for investment, with farmland loans accounting for 7%.

Loan Portfolio Segment (as of 9/30/2025)	Amount	Percentage of Total Net Loans
Commercial Real Estate Loans Total	Not explicitly stated, but 80% of $838,402,000	80%
CRE - Owner Occupied	$216,673,000	32% of CRE Total
CRE - Non-Owner Occupied	$461,388,000	68% of CRE Total
CRE - Office Space Total	$148,802,000	18% of Total Loan Portfolio
Farmland Loans Total	Not explicitly stated, but 7% of $838,402,000	7%

The bank also actively manages its SBA portfolio, recognizing $308,000 in gains on sales of SBA guaranteed loan balances in the third quarter of 2025.

For operational efficiency and client convenience, Summit State Bank offers a suite of services:

• Cash management services for businesses.
• Digital banking platforms for account access.
• A strong capital position, with a Tier 1 Leverage ratio of 10.24% as of September 30, 2025, remaining well above the regulatory minimum of 5%.

The commitment to the local community dates back to the bank's founding in 1982. This commitment is quantified by the $531,000 contributed to 245 nonprofit customers in February 2025 through the Nonprofit Partner Program alone.

Summit State Bank (SSBI) - Canvas Business Model: Customer Relationships

You're focused on how Summit State Bank (SSBI) maintains its connection with its North Bay customer base, which is heavily weighted toward small businesses and nonprofits.

Dedicated relationship managers for commercial clients

Summit State Bank serves small businesses and has a loan portfolio where commercial real estate loans make up 78% of the portfolio as of March 31, 2025. The bank has 106 colleagues supporting its operations across its domestic offices. This structure suggests a reliance on direct, dedicated service for its core commercial borrowers.

High-touch, personalized service model in the North Bay

The bank has built its reputation over 40 years by specializing in providing exceptional customer service and customized financial solutions to aid in the success of its customers in Sonoma County. The service model is inherently high-touch, given the bank's focus on a specific geographic area, the North Bay. The bank maintained 5 domestic offices as of the latest filing, though the Montgomery Village Branch closed on October 24, 2025, leaving 4 remaining locations as of the third quarter end. This local presence supports the personalized approach.

Community engagement via the Nonprofit Partner Program

Community engagement is quantified through the Nonprofit Partner Program, where contributions are based on the nonprofit customer's average annual account balances. In early 2025, Summit State Bank contributed $531,000 to 245 of its nonprofit customers for the prior year's balances. Since 2009, the total contribution through this program exceeds $6.5 million to Sonoma County Nonprofits. The program also offers non-financial relationship benefits.

The contribution rates for the Nonprofit Partner Program are specific based on account type:

Account Type	Annual Contribution Rate	Example on $100,000 Balance
Non-interest Operating Accounts	0.95%	$950
Interest-Bearing Accounts	0.25%	$250
ICS Non-interest	0.65%	$650
ICS Interest-bearing	0.15%	$150

The bank also hosts the annual North Bay Nonprofit Event (NBNE) to deepen relationships and provide resources.

Proactive communication on credit quality and risk management

The bank communicates its proactive stance on asset quality through key regulatory ratios and figures. As of September 30, 2025, the Tier 1 Leverage ratio was 10.24%, exceeding the minimum of 5% required to be categorized as "well-capitalized." The allowance for credit losses to total loans held for investment stood at 1.65% on September 30, 2025. Non-performing assets were $27,978,000, representing 2.78% of total assets at that date. Net loans held for investment decreased 9% to $838,402,000 compared to September 30, 2024, reflecting strategic balance sheet management to reduce risk.

Self-service options through online and mobile banking

Alongside the high-touch model, Summit State Bank supports customer needs through digital channels. The bank continues to serve the community through its physical locations as well as robust online and mobile banking channels. Customers have access to download the mobile app via links for both the Apple Store and Google Play.

• Total Assets as of September 30, 2025: $1.0 billion.
• Total Equity as of September 30, 2025: $100 million.
• Total Deposits at September 30, 2025: $888,784,000.
• Book value per share at September 30, 2025: $14.73.
• Total liquidity at September 30, 2025: $425,706,000, or 42.3% of total assets.

Finance: review the impact of the Montgomery Village branch closure on local commercial client service coverage by next Tuesday.

Summit State Bank (SSBI) - Canvas Business Model: Channels

You're looking at how Summit State Bank (SSBI) gets its value proposition-personalized community banking-out to its customers as of late 2025. The strategy balances a physical footprint in Sonoma County with necessary digital access points. Honestly, for a community bank with total assets around $1.0 billion as of September 30, 2025, this mix is about maintaining local relationships while keeping operational costs in check, especially after closing a branch in late 2025.

The physical presence is tightly focused on the North Bay area, which is where the bank built its reputation. This local focus is supported by a specific office dedicated to loan origination outside the core area. Here's a quick look at the physical and digital infrastructure supporting customer interaction:

Channel Type	Location/Platform	Detail/Data Point (as of late 2025)
Depository Offices (Full-Service)	Sonoma County	Four locations: Santa Rosa, Rohnert Park, Healdsburg, and Petaluma.
Loan Production Office (LPO)	Roseville, CA	Dedicated office for loan origination outside the primary service area.
Digital Access	Online Banking	Robust platform supporting customer transactions.
Digital Access	Mobile Banking	Platform accessible via dedicated apps on Apple Store and Google Play.
Direct Sales/Lending	Commercial & Business Lending	Supported by specialized roles like Vice President and Business Relationship Officer, and Vice President and SBL Commercial Lender.
Consumer Convenience	ATM Network	Access provided for consumer convenience (specific network size not publicly detailed).

The direct sales force is key for their core business of serving small businesses and nonprofits. The bank's lending activity, which saw net loans held for investment at $838,402,000 on September 30, 2025, relies on these relationship managers to drive production. To be fair, the digital channels are essential for scale, especially since total deposits were $888,784,000 as of the same date, but the relationship-based sales effort is what drives the high-touch commercial side.

The shift in the physical footprint is notable; the Montgomery Village Branch in Santa Rosa closed on October 24, 2025, leaving the remaining four offices to cover the core Sonoma County market. This move was cited as prudent due to a significant increase in rents. The bank is actively looking at new branch opportunities, suggesting the physical channel strategy is dynamic.

The digital channels support the entire customer base, which values both the local branch and the convenience of remote access. The bank's focus on digital tools like PWA and HTTP/3 shows an openness to modern technology to enhance the customer experience, even as they maintain a physical presence. The goal is to make banking simple, whether you are checking your balance online or sitting down with a relationship officer.

You can see the scale of the business these channels support through the balance sheet figures from Q3 2025:

• Total Assets: $1.0 billion
• Total Deposits: $888,784,000
• Net Interest Margin (Q3 2025 Annualized): 3.51%
• Tier 1 Leverage Ratio (Sept 30, 2025): 10.24%

Finance: draft 13-week cash view by Friday.

Summit State Bank (SSBI) - Canvas Business Model: Customer Segments

You're looking at the core clientele that drives Summit State Bank's business in the North Bay, which is heavily concentrated around real estate lending as of late 2025. The Bank has built its reputation over the past 40 years by specializing in providing exceptional customer service and customized financial solutions to aid in the success of its customers.

The primary focus for lending and relationship building centers on local entities and individuals within Sonoma County and the broader North Bay area. This includes:

• Small to medium-sized businesses in the North Bay, CA
• Local Sonoma County nonprofit organizations
• Entrepreneurs and business owners
• Affluent individuals and families

The most significant customer segment, based on loan concentration, is clearly commercial real estate investors. As of March 31, 2025, commercial real estate loans made up 78% of the total loan portfolio. By June 30, 2025, this concentration was reported at 80% of the portfolio, with net loans held for investment at $851,309,000. This concentration dictates a heavy reliance on the local commercial property market for revenue generation.

Here's a quick look at the loan portfolio composition around the mid-2025 period, showing where the focus lies:

Loan Category	Percentage of Portfolio (Q1 2025)	Percentage of Portfolio (Q2 2025)	Dollar Amount (Q2 2025)
Commercial Real Estate Loans	78%	80%	(Calculated based on $851,309,000 total loans)
Farmland Loans	8%	7%	$53,118,000

Breaking down that dominant commercial real estate segment as of June 30, 2025, shows the split between local business support and pure investment:

• Owner-occupied commercial real estate loans: 32% of the total CRE portion, equating to $218,209,000.
• Non-owner-occupied commercial real estate loans: 68% of the total CRE portion, equating to $470,880,000.

The Bank maintains four other Sonoma County branch locations, in addition to the one whose lease was not renewed as of October 24, 2025, and supports its customer base through robust online and mobile banking channels. The total assets for Summit State Bank were reported at $1.0 billion as of September 30, 2025.

For entrepreneurs and business owners, the Bank offers customized financial solutions, which is part of the reputation it has built over four decades. The focus on local nonprofits is also explicitly stated as a core service area. Affluent individuals and families are served through the general community banking model, often overlapping with the needs of local business owners in the North Bay.

Finance: review the loan origination pipeline for Q4 2025 to see if CRE concentration is trending below 80% by year-end.

Summit State Bank (SSBI) - Canvas Business Model: Cost Structure

You're looking at the core expenses driving Summit State Bank (SSBI)'s operations as of late 2025. Honestly, the bank has been aggressively managing costs following the challenges of 2024, which is clear when you look at the expense line items.

Interest expense on deposits and borrowings

Interest expense is a major cost component, tied directly to the rates paid on liabilities like deposits and borrowings. For the third quarter of 2025, the Total Interest Expense for Summit State Bank was $5,554,000. This represented a significant decrease of 28% compared to the $7,705,000 in the third quarter of 2024.

The primary driver for this reduction was the cost of funds. Specifically, Interest expense on Deposits for Q3 2025 totaled $5,373,000. This was down from $5,875,000 in the second quarter of 2025. Also contributing was a decrease in borrowing costs; Interest expense on Federal Home Loan Bank advances was only $54,000 in Q3 2025, down from $7,277,000 in Q2 2024 interest expense overall, which included FHLB advances.

Provision for credit losses on loans, managing non-performing assets

Managing credit risk translates directly into the provision for credit losses, which can swing earnings significantly. For the third quarter of 2025, Summit State Bank recorded a Provision for credit losses on loans of $2,709,000. This provision was almost entirely driven by one substantial loan secured by real property that was placed on non-accrual and charged down to fair value. This contrasts with the $0 provision recorded in the second quarter of 2025.

The bank's efforts to manage non-performing assets (NPA) show progress, though the level remains elevated compared to mid-2025. Non-performing assets stood at $27,978,000 as of September 30, 2025. This is up from the low of $13,762,000 at June 30, 2025, but significantly lower than the $41,971,000 reported on September 30, 2024. The allowance for credit losses to total loans held for investment was 1.65% at September 30, 2025.

Employee salaries, benefits, and branch operating expenses

The bank has actively sought operational efficiencies, especially through workforce adjustments. Total Operating Expenses for the third quarter of 2025 were $5,545,000, down from $6,181,000 in Q3 2024. This reduction stemmed from several actions.

Here's a breakdown of the key components impacting operating expenses in recent quarters:

Expense Component	Q3 2025 Amount (or Change)	Reference Period/Context
Salaries, Bonus, and Employee Benefits Reduction	$242,000 reduction	Q3 2025 vs Q3 2024
Salaries and Employee Benefits Decrease	$455,000 decrease	Q1 2025 vs Q1 2024 (due to 8% reduction in force)
Branch Closures	1 branch closed	Montgomery Village Branch closed October 24, 2025
Operating Expenses (Q2 2025)	$6,305,000	Compared to $6,627,000 in Q2 2024

The 8% reduction in force, initiated in the fourth quarter of 2024, is definitely showing up in the year-over-year comparisons for personnel costs. That's a real cost saving you can see.

Technology and data processing costs for digital services

Specific, isolated figures for technology and data processing costs for digital services aren't explicitly broken out in the readily available Q3 2025 summary filings. However, the overall cost management strategy implies scrutiny over all non-interest expenses, including technology spend.

General and administrative expenses, including regulatory compliance

General and administrative costs show variability based on regulatory and production activity. For Q3 2025, the bank realized savings due to changes in certain non-interest expenses:

• FDIC insurance expense accruals saw a $250,000 reduction in Q3 2025 compared to the prior year period.
• Commission expense decreased by $270,000 in Q3 2025, linked to lower loan and deposit production volumes.
• The allowance for credit losses on unfunded loan commitments resulted in a $49,000 provision in Q3 2025.

These non-interest expense adjustments help support the bottom line when credit provisions are high. Finance: draft 13-week cash view by Friday.

Summit State Bank (SSBI) - Canvas Business Model: Revenue Streams

You're looking at the core ways Summit State Bank (SSBI) brings in money as of the third quarter of 2025. For a bank, this primarily boils down to the spread between what it earns on its assets and what it pays for its liabilities, plus fees for services.

The engine for the Net Interest Income (NII) stream is the loan book. As of September 30, 2025, the Net loans held for investment stood at $838,402,000. This asset base is managed to generate a strong return, evidenced by the Net interest margin hitting 3.51% for the third quarter of 2025. That margin is a solid improvement, up 80 basis points compared to the third quarter of 2024.

Beyond the core lending margin, Summit State Bank pulls in revenue from various non-interest sources. Total Noninterest income for the third quarter of 2025 was $887,000. This figure was down from $1,030,000 in the third quarter of 2024, partly due to lower gains on sales of SBA guaranteed loan balances, which totaled $308,000 in Q3 2025 versus $474,000 in Q3 2024.

Interest income from the investment portfolio is another component. Total Interest and dividend income for the third quarter of 2025 was $14,220,000 compared to $14,977,000 in the third quarter of 2024. The component related to Interest income from investment securities saw a decrease of $179,000 due to a lower volume of investments held.

The bottom line for this revenue generation effort in the period was the reported Net income. For the third quarter ended September 30, 2025, Summit State Bank reported net income of $818,000, or $0.12 per diluted share.

Here's a quick view of the key revenue-related figures from Q3 2025:

Metric	Amount / Rate
Net Loans Held for Investment (as of 9/30/2025)	$838,402,000
Net Interest Margin (Q3 2025)	3.51%
Total Noninterest Income (Q3 2025)	$887,000
Total Interest and Dividend Income (Q3 2025)	$14,220,000
Net Income (Q3 2025)	$818,000

The revenue streams are supported by the following activities and results:

• Interest and fees on loans decreased by $527,000 from Q3 2024 due to lower portfolio volume.
• Interest expense decreased 28% to $5,554,000 in Q3 2025 versus Q3 2024.
• The cost of deposits decreased to 2.38% in Q3 2025 from 3.05% in Q3 2024.
• Gain on sales of SBA guaranteed loan balances was $308,000 in Q3 2025.
• Annualized return on average assets for Q3 2025 was 0.32%.
• Annualized return on average equity for Q3 2025 was 3.25%.

The strategic decision to suspend cash dividends for Q3 2025 is a move to bolster capital, which directly impacts retained earnings, a key component of equity supporting future revenue generation. Finance: draft 13-week cash view by Friday.