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Summit State BankSSBI 60 Equity-to-Asset is 0.10 as of Mar. 2026, which is 11% above its 10-year median of 0.09. GuruFocus rates SSBI with a GF Score™ of 60/100 and a GF Value™ of $9.88 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,518 Banks companies, Summit State Bank ranks better than 63.9% on this metric.
Equity to Asset ratio is calculated as total stockholders equity divided by total asset. Summit State Bank's Total Stockholders Equity for the quarter that ended in Mar. 2026 was $102.66 Mil. Summit State Bank's Total Assets for the quarter that ended in Mar. 2026 was $995.92 Mil.
Therefore, Summit State Bank's Equity to Asset Ratio for the quarter that ended in Mar. 2026 was 0.10.
The historical rank and industry rank for Summit State Bank's Equity-to-Asset or its related term are showing as below:
SSBI'
s Equity-to-Asset Range Over the Past 10 Years
Min: 0.08 Med: 0.09 Max: 0.12
Current: 0.11
During the past 13 years, the highest Equity to Asset Ratio of Summit State Bank was 0.12. The lowest was 0.08. And the median was 0.09.
SSBI's Equity-to-Asset is ranked better than 63.9% of 1518
companies
in the Banks industry
Industry Median: 0.1
vs SSBI: 0.11
Summit State Bank (NAS:SSBI) Equity-to-Asset Explanation
Equity to Asset ratio can vary greatly across different industries, as they have different capital structure. A company with smaller Equity to Asset ratio (more leveraged) may have higher ROE % because of the leverage.
For banks, the required minimum Equity to Asset ratio by regulation is 5%. Some stronger banks may have Equity to Asset Ratio of more than 10%.
Summit State Bank Equity-to-Asset Related Terms
Summit State Bank Equity-to-Asset Historical Data
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The historical data trend for Summit State Bank's Equity-to-Asset can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
SSBI vs BKOR, CIWV, SLRK: Equity-to-Asset Comparison
For the Banks - Regional subindustry, Summit State Bank's Equity-to-Asset, along with its competitors' market caps and Equity-to-Asset data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Summit State Bank Equity-to-Asset vs Banks Industry
For the Banks industry and Financial Services sector, Summit State Bank's Equity-to-Asset distribution charts can be found below:
* The bar in red indicates where Summit State Bank's Equity-to-Asset falls into.
Equity to Asset ratio measures the ratios of the portion of the asset owned by shareholders out of the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Equity to Asset ratio is calculated by dividing total stockholders equity by total asset.
Summit State Bank's Equity to Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Summit State Bank (SSBI) has a Equity-to-Asset of 0.10 as of Mar. 2026. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Summit State Bank and its competitors. This is 11% above median its historical median of 0.09. Over the past decade, Summit State Bank's Equity-to-Asset has ranged from 0.08 to 0.12. According to the industry distribution chart, Summit State Bank ranks #548 out of 1518 companies in the Banks industry, placing it in the top 36.1%.
Is Summit State Bank's Equity-to-Asset too high?
Summit State Bank's current Equity-to-Asset of 0.10 is 11% above median its 10-year median of 0.09. Over the past 10 years, this metric has ranged from a low of 0.08 to a high of 0.12. The Banks industry median Equity-to-Asset is 0.10. Summit State Bank's value of 0.10 is 0% at this industry median. Based on the distribution chart, Summit State Bank ranks #548 out of 1518 companies in the Banks industry, which is above the industry midpoint. Overall, Summit State Bank has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Summit State Bank's Equity-to-Asset compare to BKOR and CIWV?
According to the Banks industry distribution chart, Summit State Bank ranks #548 out of 1518 companies for Equity-to-Asset. This puts Summit State Bank in the upper half of its industry. The industry median Equity-to-Asset is 0.10. Summit State Bank's value of 0.10 is 0% at this benchmark. Historically, Summit State Bank's own Equity-to-Asset has ranged from 0.08 to 0.12 over the past decade. While the company's 10-year median is 0.09 vs. the industry median of 0.10, Summit State Bank has consistently been at the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Equity-to-Asset for a Banks company?
The median Equity-to-Asset among Banks companies is 0.10, based on 1,518 companies in the industry. Companies in the top quartile (top 25%) have a Equity-to-Asset significantly above this median, while those in the bottom quartile fall well below. However, Equity-to-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Summit State Bank's current Equity-to-Asset of 0.10 is 0% at the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Equity-to-Asset mean?
A high Equity-to-Asset can signal that a stock is expensive relative to its fundamentals. Equity-to-asset ratio equals total company equity divided by total assets. It measures financial leverage. View historical data on Summit State Bank and its competitors. For the Banks industry, the median Equity-to-Asset is 0.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Summit State Bank's current Equity-to-Asset is 0.10, which is 11% above median its own 10-year median of 0.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Summit State Bank stock overvalued right now?
Based on GuruFocus' analysis, Summit State Bank (SSBI) is currently considered Modestly Overvalued. The stock's GF Value™ is $9.88, compared to a current price of $12.74 — trading 28.9% above its estimated fair value. The current Equity-to-Asset is 0.10, which is 11% above median its 10-year median of 0.09 and 0% at the Banks industry median of 0.10. Summit State Bank's overall GF Score™ is 60/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Equity-to-Asset calculated?
Equity-to-Asset is calculated from a company's financial statements. For Summit State Bank (SSBI), the current Equity-to-Asset is 0.10 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Summit State Bank (SSBI) Overvalued in 2026?
Based on GuruFocus' analysis, Summit State Bank stock appears to be overvalued.
The current stock price of $12.74 is trading 28.9% above its estimated GF Value™ of $9.88.
GuruFocus considers Summit State Bank to be Modestly Overvalued.
Key valuation signals for SSBI:
Equity-to-Asset: 0.10 (11% above median its 10-year median of 0.09)
GF Value™: $9.88 vs. price of $12.74 (28.9% above fair value)
Industry Position: 0% at the Banks median (#548 of 1518)
No single metric tells the full story. See the SSBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Summit State Bank provides various banking products and services to individuals and businesses in Sonoma County, California. It offers personal and business checking, money market, sweep, savings, and demand accounts; time certificates of deposit; and specialized deposit accounts, such as professional, small business packaged, tiered, and retirement plan accounts. The company also provides loans, including commercial loans and leases; lines of credit; commercial real estate, small business administration, residential mortgage, and construction loans; home equity lines of credit; and term and equipment loans, as well as loans to agriculture-related businesses.
60GF Score
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