Summit Bank

Eugene, OregonFDIC Cert #57706

STATEEstablished 20045 branches

Holding company: SUMMIT BANK GROUP INCRegulator: FDIC

FDICCERT + OFFDOM

Portfolio mix & concentration

Loans

The composition, growth, and concentration of the loan book using reported Call Report categories.

As of Q1 2026

Portfolio composition

Loan mix

Latest reported loan balances by category
Category	Balance
Owner CRE	$299M
Investor CRE	$274M
Multifamily	$161M
Construction	$39.5M
1–4 family	$20.3M
C&I	$337M
Agriculture	$0
Other

Loan book

Reported balances and balance-sheet intensity.

Gross loans

$1.13B

+4.9%y/y

FDICLNLSGR

Net loans

$1.12B

+5.0%y/y

FDICLNLSNET

Loans YoY

+4.98%

−48.2%y/y

FDICLNLSNET

L/D

93.9%

+0.7%y/y

FDICLNLSNET + DEP

Loans/assets

82.7%

−0.3%y/y

FDICLNLSNET + ASSET

RE loans %

70.93%

+1.1%y/y

FDICLNRE + LNLSGR

Concentration

Portfolio concentration relative to loans and risk-based capital.

CRE/capital

Dashed line: interagency cre supervisory criterion, a screening reference—not a limit or violation.

FDICLNRENROT + LNREMULT + LNRECONS + RBC

Construction/capital

Dashed line: interagency construction supervisory criterion, a screening reference—not a limit or violation.

FDICLNRECONS + RBC

Loan HHI

2,394points

+4.5%y/y

FDICLNRENROW + LNRENROT + LNREMULT + LNRECONS + LNRERES + LNCI + LNAG + LNCRCD

Owner CRE %

26.49%

+10.1%y/y

FDICLNRENROW + LNLSGR

Investor CRE %

24.22%

+0.3%y/y

FDICLNRENROT + LNLSGR

C&I %

29.79%

−1.9%y/y

FDICLNCI + LNLSGR