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Summit State Bank
Summit State Bank (SSBI) investor relations material
Summit State Bank Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary27 Jan, 2026
Executive summary
Achieved net income of $1.07M ($0.16 per diluted share) in Q4 2025, reversing a net loss of $7.14M ($1.06 loss per share) in Q4 2024 and up from $818K in Q3 2025.
Full-year 2025 net income was $6.80M ($1.01 per share), compared to a net loss of $4.19M ($0.62 loss per share) in 2024.
Focused on strengthening core banking operations, improving net interest margin, and disciplined expense management.
Financial highlights
Net interest margin rose to 3.62% in Q4 2025 from 2.88% in Q4 2024 and 3.51% in Q3 2025.
Noninterest income dropped to a loss of $1.40M in Q4 2025, mainly due to a $2.14M loss on other real estate valuation.
Operating expenses fell to $5.74M in Q4 2025 from $10.20M in Q4 2024, reflecting the absence of a prior-year $4.12M goodwill impairment.
Book value per share increased to $14.94 at year-end 2025 from $13.53 a year earlier.
Outlook and guidance
Management remains optimistic about continued progress, with a focus on risk reduction, operational efficiency, and serving local businesses and families.
Forward-looking statements caution that results may differ due to economic and regulatory uncertainties.
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Next Summit State Bank earnings date
Q1 202628 Apr, 2026
Summit State Bank
Next Summit State Bank earnings date
Q1 202628 Apr, 2026
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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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