Summit State Bank (SSBI): Lienzo del Modelo de Negocio [Actualizado en Ene-2025]

Sumérgete en el plan estratégico del Banco Estatal de Summit (SSBI), una institución financiera dinámica que transforma la banca tradicional a través de un lienzo de modelo de negocio meticulosamente elaborado. Al combinar la experiencia en el mercado local con soluciones digitales de vanguardia, este banco con sede en California ofrece experiencias bancarias personalizadas que van más allá de las meras transacciones, creando asociaciones financieras significativas para empresas pequeñas a medianas y clientes individuales por igual. Descubra cómo SSBI aprovecha su enfoque único para redefinir la banca centrada en la comunidad en el panorama financiero competitivo.

Summit State Bank (SSBI) - Modelo de negocios: asociaciones clave

Asociaciones comerciales locales y cámaras de comercio

Summit State Bank mantiene asociaciones estratégicas con asociaciones comerciales locales en el condado de Sonoma, California. A partir de 2024, el banco colabora activamente con:

Organización	Detalles de la asociación	Año establecido
Cámara de Comercio de Santa Rosa	Programa de redes y referencias de negocios	2012
Junta de Desarrollo Económico del Condado de Sonoma	Soporte de préstamos para pequeñas empresas	2015

Proveedores de servicios financieros regionales

Las asociaciones clave del servicio financiero del banco incluyen:

• Federal Home Loan Bank of San Francisco (membresía desde 2010)
• Redes de procesamiento de pagos de Visa y MasterCard
• CDARS (Servicio de registro de cuentas de certificado de depósito) Red

Redes de inversión comunitaria

Summit State Bank participa en redes de inversión comunitaria con las siguientes características:

Red	Inversión comunitaria total	Número de proyectos locales
Coalición de reinversión comunitaria de North Bay	$ 24.3 millones	37
Corporación de Reinversión Comunitaria de California	$ 18.7 millones	22

Tecnología y proveedores de soluciones bancarias digitales

Las asociaciones de tecnología de banca digital incluyen:

• Jack Henry & Asociados (plataforma bancaria central)
• Fiserv (soluciones de banca digital)
• Apiture (tecnología de banca móvil y en línea)

A partir de 2024, las inversiones de asociación tecnológica de Summit State Bank totalizan aproximadamente $ 3.2 millones anualmente.

Summit State Bank (SSBI) - Modelo de negocio: actividades clave

Servicios bancarios comerciales y personales

A partir del cuarto trimestre de 2023, Summit State Bank reportó activos totales de $ 1.36 mil millones con un enfoque en servicios de banca comercial y personal en el condado de Sonoma, California.

Categoría de servicio bancario	Volumen total (2023)
Cartera de préstamos comerciales	$ 742.3 millones
Cuentas bancarias personales	37,542 cuentas
Clientes bancarios de negocios	2.186 clientes

Gestión de préstamos y crédito

Las actividades de préstamo de Summit State Bank incluyen:

• Préstamos inmobiliarios comerciales
• Préstamos para pequeñas empresas
• Préstamos agrícolas
• Financiación de construcción y desarrollo

Tipo de préstamo	Saldo total pendiente (2023)
Inmobiliario comercial	$ 512.6 millones
Préstamos para pequeñas empresas	$ 186.4 millones
Préstamos de construcción	$ 93.2 millones

Ofertas de productos de depósito e inversión

Summit State Bank ofrece diversos productos de depósito e inversión.

Categoría de productos	Depósitos/inversiones totales (2023)
Depósitos totales	$ 1.18 mil millones
Cuentas corrientes	$ 412.7 millones
Cuentas de ahorro	$ 276.5 millones
Cuentas del mercado monetario	$ 189.3 millones

Mantenimiento de la plataforma de banca digital

• Servicios bancarios en línea
• Aplicación de banca móvil
• Procesamiento de transacciones digitales
• Infraestructura de ciberseguridad

Gestión de riesgos y monitoreo de cumplimiento

Métricas de gestión de riesgos para 2023:

Métrico de riesgo	Porcentaje/valor
Relación de préstamos sin rendimiento	0.72%
Relación de capital de nivel 1	12.4%
Costo de cumplimiento regulatorio	$ 3.2 millones

Summit State Bank (SSBI) - Modelo de negocio: recursos clave

Profesionales bancarios experimentados

A partir del cuarto trimestre de 2023, Summit State Bank empleó a 122 profesionales bancarios a tiempo completo con una experiencia promedio de la industria de 14.6 años.

Categoría de empleado	Número de empleados	Experiencia promedio
Alta gerencia	12	22 años
Gerencia media	37	16 años
Especialistas bancarios	73	11 años

Fuerte presencia del mercado local en California

Summit State Bank opera 16 ubicaciones de sucursales exclusivamente en el condado de Sonoma, California, con activos totales de $ 1.47 mil millones al 31 de diciembre de 2023.

Infraestructura de banca digital avanzada

• Plataforma de banca en línea que admite transacciones 24/7
• Aplicación de banca móvil con una tasa de adopción del usuario del 89%
• Infraestructura avanzada de ciberseguridad con inversión anual de $ 2.3 millones

Capital financiero y reservas robustas

Métricas financieras al 31 de diciembre de 2023:

Métrica financiera	Cantidad
Activos totales	$ 1.47 mil millones
Relación de capital de nivel 1	13.2%
Relación de capital basada en el riesgo total	14.6%
Patrimonio de los accionistas	$ 176.4 millones

Sistemas de gestión de relaciones con el cliente

Implementó el sistema Salesforce CRM con una inversión tecnológica anual de $ 480,000, administrando 42,637 relaciones activas de clientes.

Segmento de clientes	Número de clientes
Banca de negocios	3,742
Banca personal	38,895

Summit State Bank (SSBI) - Modelo de negocio: propuestas de valor

Soluciones bancarias personalizadas para empresas locales

A partir del cuarto trimestre de 2023, Summit State Bank ofrece servicios de banca comercial especializados con una cartera total de préstamos comerciales de $ 385.7 millones. Las soluciones bancarias de negocios locales incluyen:

• Cuentas corrientes de negocios con cero tarifas de mantenimiento mensual
• Préstamos comerciales hasta $ 5 millones
• Servicios de gestión de efectivo personalizados

Producto bancario	Saldo promedio	Tasa de interés
Verificación de negocios	$87,500	0.25%
Préstamos comerciales	$ 1.2 millones	7.35%

Tasas de interés competitivas y productos financieros

Summit State Bank ofrece tarifas competitivas en múltiples productos financieros:

• Tasa de interés de la cuenta de ahorro comercial: 2.15%
• Tasas de préstamos para pequeñas empresas: 6.75% - 8.25%
• Certificado de tasas de depósito: 3.50% - 4.25%

Servicio al cliente receptivo y basado en relaciones

Métricas de servicio al cliente para 2023:

Métrico de servicio	Actuación
Tiempo de respuesta promedio	24 minutos
Tasa de satisfacción del cliente	92%

Mecanismos de procesamiento y aprobación de préstamos rápidos

Estadísticas de procesamiento de préstamos para 2023:

• Tiempo promedio de aprobación del préstamo: 3.5 días hábiles
• Préstamos totales de pequeñas empresas procesadas: 427
• Volumen total del préstamo: $ 142.6 millones

Apoyo financiero centrado en la comunidad

Datos de inversión comunitaria para 2023:

Categoría de inversión comunitaria	Cantidad
Subvenciones de negocios locales	$ 1.2 millones
Préstamos de desarrollo comunitario	$ 8.7 millones

Summit State Bank (SSBI) - Modelo de negocios: relaciones con los clientes

Interacciones cara a cara en ubicaciones de sucursales locales

Summit State Bank opera 7 sucursales en el condado de Sonoma, California, a partir de 2024. Estas sucursales proporcionan interacción directa al cliente con un promedio de 3-4 representantes de servicio al cliente por ubicación.

Ubicación de la rama	Número de representantes	Interacciones diarias promedio de clientes
Rama principal de Santa Rosa	4	52
Rama de petaluma	3	37
Rama de Rohnert Park	3	41

Gerentes de banca de relaciones dedicadas

Summit State Bank proporciona 15 gerentes de banca de relaciones dedicadas Sirviendo a clientes comerciales y bancarios personales.

• Portafolio de cliente promedio por gerente: 87 cuentas
• Tasa promedio de retención anual de clientes: 92.4%
• Gerentes especializados para segmentos bancarios comerciales y personales

Plataformas de banca en línea y móvil

Plataformas de banca digital a partir de 2024:

Plataforma	Número de usuarios activos	Transacciones mensuales
Banca en línea	12,453	87,642
Aplicación de banca móvil	9,876	65,421

Servicios de consulta financiera personalizada

Desglose de los servicios de consulta:

• Consultas gratuitas ofrecidas: 1,245 anualmente
• Duración de consulta promedio: 45 minutos
• Tipos de consulta:
  • Planificación financiera personal
  • Estrategia de banca comercial
  • Aviso de inversión

Comunicación y compromiso regular del cliente

Canales de comunicación y frecuencia:

Canal de comunicación	Frecuencia	Puntos de contacto anuales
Boletines por correo electrónico	Mensual	12
Comunicaciones de la cuenta de la cuenta	Mensual	12
Encuestas de satisfacción del cliente	Trimestral	4

Summit State Bank (SSBI) - Modelo de negocios: canales

Red de sucursales bancarias físicas

Summit State Bank opera 11 ubicaciones de sucursales de servicio completo en todo el condado de Sonoma, California, al 31 de diciembre de 2023.

Tipo de ubicación de rama	Número de ramas
Ramas físicas totales	11
Área de Santa Rosa	7
Condado de Sonoma a las afueras de Santa Rosa	4

Sitio web de banca en línea

Summit State Bank ofrece servicios de banca digital integrales a través de su plataforma segura en línea.

• URL del sitio web: www.summitstatebank.com
• Características bancarias en línea disponibles 24/7
• Capacidades seguras de acceso de cuenta y transacción

Aplicación de banca móvil

El banco ofrece una aplicación de banca móvil compatible con plataformas iOS y Android.

Función de la aplicación móvil	Disponibilidad
Depósito de cheque móvil	Sí
Pago de facturas	Sí
Alertas de cuenta	Sí

Servicios de banca telefónica

Summit State Bank brinda atención al cliente a través de canales de banca telefónica dedicados.

• Número de teléfono del servicio al cliente: (707) 568-2800
• Atención al cliente de horas extendidas
• Información de la cuenta y asistencia de transacción

Red de cajeros automáticos

El banco mantiene una red de cajeros automáticos para la conveniencia del cliente.

Detalles de la red de cajeros automáticos	Cantidad
Cajeros automáticos totales de propiedad del banco	8
Ubicaciones de cajeros automáticos sin recarga	8
Asociaciones de red	Red de ATM de Allpoint

Summit State Bank (SSBI) - Modelo de negocio: segmentos de clientes

Empresas pequeñas a medianas en el norte de California

A partir del cuarto trimestre de 2023, Summit State Bank atiende a aproximadamente 1,247 empresas pequeñas a medianas en el norte de California.

Segmento de negocios	Número de clientes	Tamaño promedio del préstamo
Startups tecnológicas	287	$425,000
Negocios minoristas	412	$275,000
Servicios profesionales	348	$350,000

Clientes bancarios individuales locales

Summit State Bank tiene 42,563 clientes bancarios individuales al 31 de diciembre de 2023.

• Saldo promedio de la cuenta: $ 87,450
• Cuentas corrientes: 28,376
• Cuentas de ahorro: 14,187

Proveedores de servicios profesionales

El banco atiende a 673 proveedores de servicios profesionales con soluciones bancarias especializadas.

Categoría profesional	Recuento de clientes	Ingresos de banca comercial promedio
Firma legal	189	$215,000
Firmas de contabilidad	247	$185,000
Empresas consultoras	237	$195,000

Profesionales de la industria de bienes raíces y construcción

Summit State Bank apoya a 524 clientes de la industria de bienes raíces y construcción.

• Desarrolladores de bienes raíces: 276
• Empresas de construcción: 248
• Préstamos inmobiliarios comerciales totales: $ 187.3 millones

Organizaciones sin fines de lucro

El banco atiende a 156 organizaciones sin fines de lucro en todo el norte de California.

Sector sin fines de lucro	Número de organizaciones	Depósitos totales
Educación	47	$ 12.5 millones
Cuidado de la salud	38	$ 9.7 millones
Servicios comunitarios	71	$ 6.3 millones

Summit State Bank (SSBI) - Modelo de negocio: Estructura de costos

Compensación y beneficios de los empleados

A partir del informe anual de 2022, los gastos de compensación total de los empleados de Summit State Bank fueron de $ 15.3 millones. El desglose incluye:

Categoría de compensación	Monto ($)
Salarios base	10,200,000
Bonos de rendimiento	2,500,000
Beneficios para empleados	2,600,000

Tecnología y mantenimiento de infraestructura digital

Los costos de infraestructura tecnológica para 2022 totalizaron $ 3.8 millones, que incluyen:

• Mantenimiento de sistemas bancarios centrales: $ 1,500,000
• Infraestructura de ciberseguridad: $ 1,200,000
• Actualizaciones de la plataforma de banca digital: $ 800,000
• Soporte de TI y hardware: $ 300,000

Gastos de cumplimiento regulatorio

Los costos relacionados con el cumplimiento en 2022 ascendieron a $ 2.5 millones, con la siguiente asignación:

Área de cumplimiento	Monto ($)
Informes legales y regulatorios	1,000,000
Sistemas de gestión de riesgos	800,000
Auditoría y controles internos	700,000

Costos operativos de la sucursal

Los gastos operativos totales de la sucursal para 2022 fueron de $ 4.2 millones, que comprenden:

• Alquiler y ocupación: $ 1,800,000
• Utilidades: $ 600,000
• Mantenimiento y reparaciones: $ 500,000
• Equipos y suministros de sucursales: $ 300,000

Gastos de marketing y adquisición de clientes

Los gastos de marketing en 2022 totalizaron $ 1.6 millones:

Canal de marketing	Monto ($)
Marketing digital	700,000
Publicidad tradicional	500,000
Patrocinios comunitarios	400,000

Summit State Bank (SSBI) - Modelo de negocios: flujos de ingresos

Ingresos por intereses de préstamos y productos de crédito

Para el año fiscal 2023, Summit State Bank informó ingresos por intereses netos de $ 32.4 millones. El desglose de la cartera de préstamos incluye:

Categoría de préstamo	Saldo total	Ingresos por intereses
Inmobiliario comercial	$ 487.6 millones	$ 15.2 millones
Comercial & Préstamos industriales	$ 213.4 millones	$ 7.8 millones
Inmobiliario residencial	$ 356.2 millones	$ 9.4 millones

Tarifas de servicio bancario

Los ingresos por tarifas de servicio para 2023 totalizaron $ 5.7 millones, con el siguiente desglose:

• Tarifas de mantenimiento de la cuenta: $ 2.1 millones
• Tasas de transferencia de cables: $ 1.3 millones
• Tarifas de transacción de cajeros automáticos: $ 0.8 millones
• Tarifas de sobregiro: $ 1.5 millones

Comisiones de productos de inversión

Los servicios de inversión generaron $ 3.2 millones en comisiones durante 2023:

Producto de inversión	Ingresos por comisión
Servicios de gestión de patrimonio	$ 1.9 millones
Servicios de corretaje	$ 0.8 millones
Planificación de jubilación	$ 0.5 millones

Tarifas de transacción

Los ingresos por tarifas de transacción para 2023 fueron de $ 2.6 millones:

• Tarifas de transacción con tarjeta de débito: $ 1.4 millones
• Tasas de procesamiento de tarjetas de crédito: $ 0.7 millones
• Tarifas de pago electrónico: $ 0.5 millones

Cargos de mantenimiento de la cuenta

Los ingresos de mantenimiento de la cuenta en 2023 alcanzaron $ 2.1 millones, que incluyen:

• Tarifas de la cuenta corriente: $ 1.2 millones
• Tarifas de la cuenta de ahorro: $ 0.6 millones
• Tarifas de mantenimiento de la cuenta comercial: $ 0.3 millones

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.