Bk San Jacinto Cnty Coldspri vs Summit Bank
Side-by-side bank health comparison using FDIC financial data
Bk San Jacinto Cnty Coldspri (A) and Summit Bank (A) are close on the BankHealth rubric. Asset bases: $46M versus $296M.
With grades this close, the choice between banks turns more on product fit, branch convenience, rates, and digital experience than on rubric-driven safety differences.
Verdict
Bk San Jacinto Cnty Coldspri has a stronger Bank Health Score of 100/100 (A) compared to Summit Bank at 100/100 (A), a difference of 0 points. Bk San Jacinto Cnty Coldspri holds a Tier 1 capital ratio of 15.1% and an NPL ratio of 0.00%.
| Metric | Bk San Jacinto Cnty Coldspri | Summit Bank |
|---|---|---|
| Health Score Composite score (0-100) based on capital, loan quality, liquidity, and profitability | 100/100 (A) | 100/100 (A) |
| Tier 1 Capital Ratio Core equity capital as % of risk-weighted assets (8%+ is well-capitalized) | 15.1% | 21.6%* |
| NPL Ratio Nonperforming loans as % of total loans (lower is better) | 0.0% | 0.0% |
| Liquidity Ratio Cash and liquid assets vs obligations | 71.4%* | 31.0% |
| Return on Assets Profitability metric (above 1% is strong) | 2.1% | 2.2%* |
| Total Assets | $46M | $296M |
| Total Deposits | $40M | $241M |
| Location | Coldspring, Texas | Oakland, California |
Bk San Jacinto Cnty Coldspri has a stronger Bank Health Score of 100/100 (A) compared to Summit Bank at 100/100 (A), a difference of 0 points. Bk San Jacinto Cnty Coldspri holds a Tier 1 capital ratio of 15.1% and an NPL ratio of 0.00%.