Summit State Bank (SSBI): Modelo de Negócios Canvas [Jan-2025 Atualizado]

Mergulhe no plano estratégico do Summit State Bank (SSBI), uma instituição financeira dinâmica que transforma o banco tradicional por meio de uma tela de modelo de negócios meticulosamente criada. Ao misturar a experiência do mercado local com soluções digitais de ponta, este banco da Califórnia oferece experiências bancárias personalizadas que vão além de meras transações, criando parcerias financeiras significativas para pequenas e médias empresas e clientes individuais. Descubra como o SSBI aproveita sua abordagem única para redefinir bancos focados na comunidade no cenário financeiro competitivo.

Summit State Bank (SSBI) - Modelo de Negócios: Principais Parcerias

Associações comerciais locais e câmaras de comércio

O Summit State Bank mantém parcerias estratégicas com associações comerciais locais no Condado de Sonoma, Califórnia. A partir de 2024, o banco colabora ativamente com:

Organização	Detalhes da parceria	Ano estabelecido
Câmara de Comércio de Santa Rosa	Programa de Rede de Negócios e Referência	2012
Conselho de Desenvolvimento Econômico do Condado de Sonoma	Suporte de empréstimos para pequenas empresas	2015

Provedores de serviços financeiros regionais

As principais parcerias de serviço financeiro do banco incluem:

• Banco Federal de Empréstimos à Criação de São Francisco (Associação desde 2010)
• Redes de processamento de pagamento de vistos e mastercard
• CDARS (Rede de Registro de Contas de Certificado de Depósito)

Redes de investimento comunitário

O Summit State Bank participa de redes de investimentos comunitários com as seguintes características:

Rede	Investimento total da comunidade	Número de projetos locais
Coalizão de reinvestimento da comunidade de North Bay	US $ 24,3 milhões	37
Corporação de reinvestimento da comunidade da Califórnia	US $ 18,7 milhões	22

Fornecedores de solução de tecnologia e bancos digitais

As parcerias de tecnologia bancária digital incluem:

• Jack Henry & Associados (Core Banking Platform)
• Fiserv (Digital Banking Solutions)
• APITRES (tecnologia bancária móvel e on -line)

A partir de 2024, os investimentos em parceria de tecnologia do Summit State Bank totalizam aproximadamente US $ 3,2 milhões anualmente.

Summit State Bank (SSBI) - Modelo de negócios: Atividades -chave

Serviços bancários comerciais e pessoais

No quarto trimestre 2023, o Summit State Bank registrou ativos totais de US $ 1,36 bilhão, com foco em serviços bancários comerciais e pessoais no condado de Sonoma, Califórnia.

Categoria de serviço bancário	Volume total (2023)
Portfólio de empréstimos comerciais	US $ 742,3 milhões
Contas bancárias pessoais	37.542 contas
Clientes bancários de negócios	2.186 clientes

Empréstimo e gerenciamento de crédito

As atividades de empréstimos do Summit State Bank incluem:

• Empréstimos imobiliários comerciais
• Empréstimos para pequenas empresas
• Empréstimos agrícolas
• Financiamento de construção e desenvolvimento

Tipo de empréstimo	Balanço em circulação total (2023)
Imóveis comerciais	US $ 512,6 milhões
Empréstimos para pequenas empresas	US $ 186,4 milhões
Empréstimos de construção	US $ 93,2 milhões

Ofertas de produtos de depósito e investimento

O Summit State Bank fornece diversos produtos de depósito e investimento.

Categoria de produto	Total de depósitos/investimentos (2023)
Total de depósitos	US $ 1,18 bilhão
Contas de verificação	US $ 412,7 milhões
Contas de poupança	US $ 276,5 milhões
Contas do mercado monetário	US $ 189,3 milhões

Manutenção da plataforma bancária digital

• Serviços bancários online
• Aplicativo bancário móvel
• Processamento de transações digitais
• Infraestrutura de segurança cibernética

Gerenciamento de riscos e monitoramento de conformidade

Métricas de gerenciamento de riscos para 2023:

Métrica de risco	Porcentagem/valor
Razão de empréstimos não-desempenho	0.72%
Índice de capital de camada 1	12.4%
Custo de conformidade regulatória	US $ 3,2 milhões

Summit State Bank (SSBI) - Modelo de negócios: Recursos -chave

Profissionais bancários experientes

A partir do quarto trimestre de 2023, o Summit State Bank empregou 122 profissionais bancários em período integral com uma experiência média do setor de 14,6 anos.

Categoria de funcionários	Número de funcionários	Experiência média
Gestão sênior	12	22 anos
Gestão média	37	16 anos
Especialistas bancários	73	11 anos

Forte presença do mercado local na Califórnia

O Summit State Bank opera 16 filiais exclusivamente no Condado de Sonoma, Califórnia, com ativos totais de US $ 1,47 bilhão em 31 de dezembro de 2023.

Infraestrutura bancária digital avançada

• Plataforma bancária online suportando transações 24/7
• Aplicativo bancário móvel com 89% de taxa de adoção do usuário
• Infraestrutura avançada de segurança cibernética com investimento anual de US $ 2,3 milhões

Capital financeiro robusto e reservas

Métricas financeiras em 31 de dezembro de 2023:

Métrica financeira	Quantia
Total de ativos	US $ 1,47 bilhão
Índice de capital de camada 1	13.2%
Índice total de capital baseado em risco	14.6%
Equidade dos acionistas	US $ 176,4 milhões

Sistemas de gerenciamento de relacionamento com clientes

Implementou o Salesforce CRM System com US $ 480.000 investimentos tecnológicos anuais, gerenciando 42.637 relacionamentos ativos dos clientes.

Segmento de clientes	Número de clientes
Banking de negócios	3,742
Bancos pessoais	38,895

Summit State Bank (SSBI) - Modelo de Negócios: Proposições de Valor

Soluções bancárias personalizadas para empresas locais

A partir do quarto trimestre 2023, o Summit State Bank fornece serviços bancários de negócios especializados com um portfólio total de empréstimos comerciais de US $ 385,7 milhões. As soluções bancárias de negócios locais incluem:

• Contas de corrente de negócios com zero taxas de manutenção mensal
• Empréstimos comerciais de até US $ 5 milhões
• Serviços de gerenciamento de caixa personalizados

Produto bancário	Balanço médio	Taxa de juro
Verificação de negócios	$87,500	0.25%
Empréstimos comerciais	US $ 1,2 milhão	7.35%

Taxas de juros competitivas e produtos financeiros

O Summit State Bank oferece taxas competitivas em vários produtos financeiros:

• Taxa de juros da conta de poupança de negócios: 2,15%
• Taxas de empréstimos para pequenas empresas: 6,75% - 8,25%
• Certificado de taxas de depósito: 3,50% - 4,25%

Atendimento ao cliente responsivo e orientado por relacionamento

Métricas de atendimento ao cliente para 2023:

Métrica de serviço	Desempenho
Tempo médio de resposta	24 minutos
Taxa de satisfação do cliente	92%

Mecanismos de processamento e aprovação de empréstimos rápidos

Estatísticas de processamento de empréstimos para 2023:

• Tempo médio de aprovação do empréstimo: 3,5 dias úteis
• Total de empréstimos para pequenas empresas processadas: 427
• Volume total de empréstimos: US $ 142,6 milhões

Apoio financeiro focado na comunidade

Dados de investimento comunitário para 2023:

Categoria de investimento comunitário	Quantia
Subsídios de negócios locais	US $ 1,2 milhão
Empréstimos de desenvolvimento comunitário	US $ 8,7 milhões

Summit State Bank (SSBI) - Modelo de Negócios: Relacionamentos do Cliente

Interações presenciais em locais de filiais locais

O Summit State Bank opera 7 locais de filiais no Condado de Sonoma, Califórnia, a partir de 2024. Essas agências fornecem interação direta do cliente com uma média de 3-4 representantes de atendimento ao cliente por local.

Localização da filial	Número de representantes	Interações diárias da média do cliente
Filial Principal de Santa Rosa	4	52
Ramo de Petaluma	3	37
Filial de Rohnert Park	3	41

Gerentes bancários de relacionamento dedicado

O Summit State Bank fornece 15 gerentes bancários de relacionamento dedicado Servindo clientes de negócios e bancos pessoais.

• Portfólio médio de clientes por gerente: 87 contas
• Taxa média de retenção anual de clientes: 92,4%
• Gerentes especializados para segmentos bancários de negócios e negócios pessoais

Plataformas bancárias online e móveis

Plataformas bancárias digitais a partir de 2024:

Plataforma	Número de usuários ativos	Transações mensais
Bancos online	12,453	87,642
Aplicativo bancário móvel	9,876	65,421

Serviços personalizados de consulta financeira

Remutação de serviços de consulta:

• Consultas gratuitas oferecidas: 1.245 anualmente
• Duração média da consulta: 45 minutos
• Tipos de consulta:
  • Planejamento financeiro pessoal
  • Estratégia bancária de negócios
  • Aviso de investimento

Comunicação e engajamento regulares do cliente

Canais de comunicação e frequência:

Canal de comunicação	Freqüência	Pontos de contato anuais
Boletins por e -mail	Mensal	12
Comunicação da declaração de conta	Mensal	12
Pesquisas de satisfação do cliente	Trimestral	4

Summit State Bank (SSBI) - Modelo de Negócios: Canais

Rede de agência bancária física

O Summit State Bank opera 11 localizações de serviço completo em Sonoma County, Califórnia, em 31 de dezembro de 2023.

Tipo de localização da filial	Número de ramificações
Ramos físicos totais	11
Área de Santa Rosa	7
Condado de Sonoma fora de Santa Rosa	4

Site bancário online

O Summit State Bank fornece serviços bancários digitais abrangentes por meio de sua plataforma on -line segura.

• URL do site: www.summitstatebank.com
• Recursos bancários online disponíveis 24/7
• Acesso seguro de conta e recursos de transação

Aplicativo bancário móvel

O Banco oferece um aplicativo bancário móvel compatível com plataformas iOS e Android.

Recurso de aplicativo móvel	Disponibilidade
Depósito de cheque móvel	Sim
Pagamento de contas	Sim
Alertas da conta	Sim

Serviços bancários telefônicos

O Summit State Bank fornece suporte ao cliente por meio de canais bancários telefônicos dedicados.

• Número de telefone de atendimento ao cliente: (707) 568-2800
• Horário prolongado Suporte ao cliente
• Informações da conta e assistência à transação

Rede ATM

O banco mantém uma rede de caixas eletrônicos para conveniência do cliente.

Detalhes da rede ATM	Quantidade
Total de caixas eletrônicos de propriedade de bancos	8
Locais de ATM sem sobretaxa	8
Parcerias de rede	Rede ATM AllPoint

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

Pequenas e médias empresas no norte da Califórnia

A partir do quarto trimestre de 2023, o Summit State Bank atende aproximadamente 1.247 empresas pequenas e médias no norte da Califórnia.

Segmento de negócios	Número de clientes	Tamanho médio do empréstimo
Startups de tecnologia	287	$425,000
Negócios de varejo	412	$275,000
Serviços profissionais	348	$350,000

Clientes bancários individuais locais

O Summit State Bank possui 42.563 clientes bancários individuais em 31 de dezembro de 2023.

• Saldo médio da conta: US $ 87.450
• Contas de corrente: 28.376
• Contas de poupança: 14.187

Provedores de serviços profissionais

O banco atende 673 provedores de serviços profissionais com soluções bancárias especializadas.

Categoria profissional	Contagem de clientes	Receita bancária média de negócios
Empresas jurídicas	189	$215,000
Empresas de contabilidade	247	$185,000
Empresas de consultoria	237	$195,000

Profissionais do setor imobiliário e de construção

O Summit State Bank suporta 524 clientes do setor imobiliário e de construção.

• Projetos imobiliários: 276
• Empresas de construção: 248
• Empréstimos imobiliários comerciais totais: US $ 187,3 milhões

Organizações sem fins lucrativos

O banco atende 156 organizações sem fins lucrativos no norte da Califórnia.

Setor sem fins lucrativos	Número de organizações	Total de depósitos
Educação	47	US $ 12,5 milhões
Assistência médica	38	US $ 9,7 milhões
Serviços comunitários	71	US $ 6,3 milhões

Summit State Bank (SSBI) - Modelo de negócios: estrutura de custos

Compensação e benefícios dos funcionários

A partir de 2022, o relatório anual, as despesas totais de remuneração dos funcionários do Summit State Bank foram de US $ 15,3 milhões. O colapso inclui:

Categoria de compensação	Valor ($)
Salários da base	10,200,000
Bônus de desempenho	2,500,000
Benefícios dos funcionários	2,600,000

Manutenção de tecnologia e infraestrutura digital

Os custos de infraestrutura de tecnologia para 2022 totalizaram US $ 3,8 milhões, incluindo:

• Manutenção dos sistemas bancários do núcleo: US $ 1.500.000
• Infraestrutura de segurança cibernética: US $ 1.200.000
• Atualizações da plataforma bancária digital: US $ 800.000
• Suporte e hardware de TI: $ 300.000

Despesas de conformidade regulatória

Os custos relacionados à conformidade em 2022 totalizaram US $ 2,5 milhões, com a seguinte alocação:

Área de conformidade	Valor ($)
Relatórios legais e regulatórios	1,000,000
Sistemas de gerenciamento de riscos	800,000
Auditoria e controles internos	700,000

Custos operacionais de ramificação

As despesas operacionais totais de ramificação para 2022 foram de US $ 4,2 milhões, compreendendo:

• Aluguel e ocupação: US $ 1.800.000
• Utilitários: US $ 600.000
• Manutenção e reparos: US $ 500.000
• Equipamentos e suprimentos de ramificação: US $ 300.000

Despesas de marketing e aquisição de clientes

As despesas de marketing em 2022 totalizaram US $ 1,6 milhão:

Canal de marketing	Valor ($)
Marketing digital	700,000
Publicidade tradicional	500,000
Patrocínio da comunidade	400,000

Summit State Bank (SSBI) - Modelo de negócios: fluxos de receita

Receita de juros de empréstimos e produtos de crédito

Para o ano fiscal de 2023, o Summit State Bank registrou receita de juros líquidos de US $ 32,4 milhões. A quebra da carteira de empréstimos inclui:

Categoria de empréstimo	Balanço total	Receita de juros
Imóveis comerciais	US $ 487,6 milhões	US $ 15,2 milhões
Comercial & Empréstimos industriais	US $ 213,4 milhões	US $ 7,8 milhões
Imóveis residenciais	US $ 356,2 milhões	US $ 9,4 milhões

Taxas de serviço bancário

A receita da taxa de serviço para 2023 totalizou US $ 5,7 milhões, com a seguinte quebra:

• Taxas de manutenção de conta: US $ 2,1 milhões
• Taxas de transferência de fio: US $ 1,3 milhão
• Taxas de transação ATM: US $ 0,8 milhão
• Taxas de cheque especial: US $ 1,5 milhão

Comissões de produtos de investimento

Os serviços de investimento geraram US $ 3,2 milhões em comissões durante 2023:

Produto de investimento	Receita da Comissão
Serviços de gerenciamento de patrimônio	US $ 1,9 milhão
Serviços de corretagem	US $ 0,8 milhão
Planejamento de aposentadoria	US $ 0,5 milhão

Taxas de transação

A receita da taxa de transação para 2023 foi de US $ 2,6 milhões:

• Taxas de transação do cartão de débito: US $ 1,4 milhão
• Taxas de processamento de cartão de crédito: US $ 0,7 milhão
• Taxas eletrônicas de pagamento: US $ 0,5 milhão

Taxas de manutenção de conta

A receita de manutenção de conta em 2023 atingiu US $ 2,1 milhões, incluindo:

• Taxas de conta corrente: US $ 1,2 milhão
• Taxas da conta poupança: US $ 0,6 milhão
• Taxas de manutenção de contas comerciais: US $ 0,3 milhão

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.