Peer Analysis


Performance Ratios (%) SBKO Peer Median Peer Average
ROAA 1.00 0.98 1.22
ROAE 11.35 9.64 10.77
Net Interest Margin 4.91 4.08 3.99
Efficiency Ratio 58.55 68.74 74.73
Loans / Deposits 100.86 88.97 81.05
Asset Quality Ratios (%)
NPAs / Assets 0.28 0.26 0.31
NCOs / Avg Loans 0.55 0.00 0.01
Reserves / Loans 1.25 1.11 1.28
Reserves / NPAs 369.21 230.22 280.20
Capital Ratios (%)
Tier 1 Capital NA 17.30 17.15
Tangible Equity / Tangible Assets 7.97 10.20 10.17
Total Equity / Total Assets 7.97 10.42 11.15
Market Ratios
Price / Earnings (x) 10.70 7.95 10.69
Price / Book (%) 111.92 78.06 92.86
Dividend Yield (%) 0.00 1.36 1.78
Data for trailing four quarters

Summit Bank's peer group consists of the following: Baker Boyer Bancorp (BBBK), Citizens Bancorp (CZBC), Clatsop Community Bank, Lewis & Clark Bancorp (LWCL), Oregon Bancorp, Inc. (ORBN), Oregon Pacific Bancorp (ORPB), Pacific Financial Corporation (PFLC), Pacific West Bank (PWBO), People's Bank of Commerce (PBCO), Willamette Community Bank (WMCB)

Summit Bank's financial data is as of 6/30/2020.

Peer financial data is as of 6/30/2020 except for these companies:

Clatsop Community Bank's financial data is as of 3/31/2019.