Peer Analysis


Performance Ratios (%) SBKO Peer Median Peer Average
ROAA 1.24 1.11 1.23
ROAE 12.87 10.40 11.25
Net Interest Margin 5.17 4.29 4.23
Efficiency Ratio 58.68 71.87 75.85
Loans / Deposits 98.36 83.70 80.49
Asset Quality Ratios (%)
NPAs / Assets 0.25 0.30 0.45
NCOs / Avg Loans 0.39 0.00 (0.01)
Reserves / Loans 1.49 1.19 1.23
Reserves / NPAs 510.29 234.16 287.71
Capital Ratios (%)
Tier 1 Capital 9.79 16.31 17.77
Tangible Equity / Tangible Assets 9.23 11.43 11.47
Total Equity / Total Assets 9.23 11.75 13.33
Market Ratios
Price / Earnings (x) 9.46 7.74 9.64
Price / Book (%) 112.21 84.11 91.71
Dividend Yield (%) 0.00 1.64 2.22
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 Bank (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 12/31/2019.

Peer financial data is as of 12/31/2019 except for these companies:

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