SBA lender profile
Summit State Bank
Summit State Bank appears in the public SBA loan data with 242 funded 7(a) loans since FY2010, totaling $470.8M, an average of $1.9M per loan, and an estimated 4,526 jobs supported. Its SBA lending concentrates in California and the Accommodation and Food Services sector. Across its 7(a) loans, the charge-off rate is 0.0%. 97.1% of its 7(a) loans were processed under delegated PLP authority.
By Mario Bailey · Source: SBA FOIA 7(a) and 504 data, FY2010–2026 (as of 2026-03-31)
- Track record 93
- Scale 82
- Activity 87
- Consistency 62
A relative profile signal from the public SBA record, not a prediction of approval or a guarantee.
Is Summit State Bank the right lender for you?
Lenders fund what they know. Summit State Bank's SBA lending concentrates in California (189 loans) and Accommodation and Food Services (80 loans), at an average loan of $1.9M. If your business does not look like that, a different SBA lender is likely the better fit.
See which SBA lenders fund businesses like yours →Ranked on the funded-loan record, not on who pays. Free, and your details go only to the lenders we match you to.
Bank profile
via FDIC- Total assets
- $996M
- Headquarters
- Santa Rosa, CA
- FDIC cert
- #32203
- Status
- Active
Where Summit State Bank lends
Top states by funded SBA volume.
| State | Loans | Total volume |
|---|---|---|
| California | 189 | $369.0M |
| Arizona | 19 | $44.5M |
| Washington | 18 | $37.1M |
| Utah | 2 | $5.2M |
| Nevada | 2 | $3.5M |
| Colorado | 2 | $3.3M |
Metro areas where Summit State Bank funds
What Summit State Bank funds
Top industries by funded SBA volume.
| Industry | Loans | Total volume |
|---|---|---|
| Accommodation and Food Services | 80 | $210.1M |
| Retail Trade | 39 | $80.1M |
| Other Services | 25 | $36.5M |
| Health Care and Social Assistance | 16 | $33.5M |
| Manufacturing | 21 | $24.5M |
| Professional and Technical Services | 12 | $19.9M |
Summit State Bank SBA lending by year
Funded SBA volume by approval fiscal year (FY2010–2026).
| Fiscal year | Loans | Total volume |
|---|---|---|
| 2010 | 1 | $100K |
| 2011 | 3 | $3.1M |
| 2017 | 6 | $7.7M |
| 2018 | 15 | $20.9M |
| 2019 | 34 | $55.7M |
| 2020 | 28 | $55.6M |
| 2021 | 57 | $153.5M |
| 2022 | 28 | $67.4M |
| 2023 | 20 | $30.8M |
| 2024 | 24 | $38.8M |
| 2025 | 16 | $23.4M |
| 2026 | 10 | $13.8M |
Related SBA lenders
Other lenders active in California or in Accommodation and Food Services.
Comparing lenders? See how to choose an SBA lender by track record.
Summit State Bank: frequently asked questions
Does Summit State Bank offer SBA loans?
Yes. Summit State Bank appears in the public SBA data with 242 funded SBA 7(a) loans totaling $470.8M.
How many SBA loans has Summit State Bank made?
Summit State Bank is associated with 242 SBA 7(a) loans totaling $470.8M in the public SBA data (as of 2026-03-31).
What is Summit State Bank's SBA charge-off rate?
About 0.0% of Summit State Bank's 7(a) loans in the data have been charged off. A lower rate is generally a better sign, but it is not a lifetime default rate; see our methodology for how it is calculated.
Where does Summit State Bank do most of its SBA lending?
Summit State Bank's SBA lending in the data is most concentrated in California, and by industry in Accommodation and Food Services.
Is Summit State Bank an SBA Preferred Lender (PLP)?
The loan record shows Summit State Bank operating under PLP delegated authority: 235 of its 7(a) loans (97.1%) were processed through the Preferred Lenders Program, including 49 in FY2024–2026. The SBA grants and renews PLP status and publishes no public roster, so this is the processing record, not a certification.
This page is the public view of your institution's SBA record: rank, trajectory, and market position, computed from the complete public 7(a)/504 dataset. The full competitive picture (your share against named competitors by state and industry, and the growing markets you're absent from) is available to your team.
Request your institution's benchmarking →Mario Bailey. (2026). Summit State Bank SBA lending profile. SBA Loan Index. https://sbaloanindex.com/lenders/summit-state-bank/
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