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Summit State Bank (SSBI) investor relations material
Summit State Bank Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary28 Jul, 2025
Executive summary
Net income for Q2 2025 was $2.4 million ($0.36 per diluted share), up from $0.9 million ($0.14 per share) in Q2 2024; six-month net income was $4.9 million, up from $2.3 million year-over-year.
Strong operating results driven by robust net interest income and margin expansion; significant reduction in non-performing assets.
Strategic suspension of Q3 2025 cash dividend to strengthen capital and liquidity.
Financial highlights
Net interest margin improved to 3.66% in Q2 2025 from 2.71% in Q2 2024 and 3.19% in Q1 2025.
Interest and dividend income increased 6% year-over-year to $15.2 million; interest expense decreased 18% to $6.0 million.
Noninterest income fell to $263,000 from $801,000 year-over-year, mainly due to lower gains on SBA loan sales.
Operating expenses decreased to $6.3 million from $6.6 million year-over-year, aided by workforce reduction and insurance reimbursement.
Book value per share was $14.49 at June 30, 2025, up from $14.44 a year ago.
Outlook and guidance
Management expects continued variability in credit loss provisions due to economic conditions and CECL model sensitivity.
Management anticipates further net interest margin upside as deposits and loans continue to reprice.
Continued improvement in credit quality expected as asset resolution efforts progress.
The bank is focused on increasing local deposits, reducing wholesale funding, and maintaining strong liquidity.
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Next Summit State Bank earnings date
Q3 202527 Oct, 2025
Next Summit State Bank earnings date
Q3 202527 Oct, 2025
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Frequently asked questions
Summit State Bank is a state-chartered commercial bank based in Santa Rosa, California. It provides a range of banking products and services primarily to individuals and businesses in Sonoma County and the surrounding areas. The bank's offerings include personal and business checking accounts, savings accounts, money market accounts, and time certificates of deposit. Summit State Bank also provides a variety of loan products, such as commercial loans, real estate loans, and lines of credit, as well as specialized services including electronic banking, cash management, and notary services. The company is headquartered in Santa Rosa, California, and its shares are listed on the NASDAQ.
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