Peer Analysis


Performance Ratios (%) SBKO Peer Median Peer Average
ROAA 1.45 1.07 1.01
ROAE 14.79 9.93 10.48
Net Interest Margin 5.58 4.21 4.29
Efficiency Ratio 54.79 74.65 78.29
Loans / Deposits 96.76 85.68 80.03
Asset Quality Ratios (%)
NPAs / Assets 0.28 0.10 0.40
NCOs / Avg Loans 0.37 0.00 0.01
Reserves / Loans 1.52 1.25 1.21
Reserves / NPAs 458.87 213.73 392.30
Capital Ratios (%)
Tier 1 Capital 10.18 15.55 19.49
Tangible Equity / Tangible Assets 9.43 11.47 11.12
Total Equity / Total Assets 9.43 11.76 13.94
Market Ratios
Price / Earnings (x) 13.09 12.83 13.81
Price / Book (%) 179.32 109.74 122.74
Dividend Yield (%) 0.00 0.95 1.24
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 6/30/2019.

Peer financial data is as of 6/30/2019 except for these companies:

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