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Advertiser Disclosure
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 Summit State Bank Rates & Review March 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 15, 2026
Summit State Bank's Individual Retirement Account Certificates of Deposit 6-Month rates are at 2.92%, Individual Retirement Account Certificates of Deposit 1 Year rates are at 2.77%, Individual Retirement Account Certificates of Deposit 24-Month rates are at 2.00%. Summit State Bank's savings rates are at 0.00%. Summit State Bank's money market rates are at 0.00%. MonitorBankRates evaluates the financial stability of Summit State Bank with a 5.0 Star Rating, an B- Overall Health Grade, and a Texas Ratio of 37.86%. Rates were last updated on 03/15/2026. Summit State Bank money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Summit State Bank? Share your experience about Summit State Bank by leaving a review below, or read customer reviews before you decide to use Summit State Bank. 
Summit State Bank CD Rates
Summit State Bank Savings Rates
Summit State Bank Money Market Rates
Summit State Bank Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Summit State Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Summit State Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Summit State Bank's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Summit State Bank
FDIC Certificate #
32203
Address
500 Bicentennial Way,
Santa Rosa, CA 95403 · Sonoma
Website
https://www.summitstatebank.com
Established
01/01/1982
FDIC Insurance Date
08/09/1989
Domestic Offices
5
Total Branches
5
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsB-
Overall Health Grade
Score: 81/100
5.0
Exceptional
Out of 5.0 Stars
37.86%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
1.0415%
Return on Equity (ROE)
12.8900%
Non-Performing Loans (NPL)
3.52%
Total Assets
$1,004,586,000
Total Deposits
$891,111,000
Equity Capital
$101,171,000
Net Income
$6,796,000
Headquarters
Santa Rosa
Total Offices
5
Source: FDIC | Last Updated 12/31/2025
Frequently Asked Questions About Summit State BankIs Summit State Bank a safe place to deposit money?Yes, Summit State Bank is considered a safe financial institution. With a Texas Ratio of 37.859994220829%, the institution's financial health is rated as stable. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category. How many branches does Summit State Bank operate?Summit State Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Summit State Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Summit State Bank provides members with tools to manage their accounts and build a solid financial history. Does Summit State Bank offer online and mobile banking?Most modern institutions like Summit State Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.summitstatebank.com. Current Summit State Bank Rates
Retrieved from our database of financial products. Rates subject to change.
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