Summit State Bank (California) (SSBI) Financial Statements

Income statement

Metric	TTM	2025	2024	2023	2022
Revenue
Total Revenue	57.1M	58.8M	62.0M	65.1M	56.2M
Cost of Revenue	32.7M	26.0M	37.2M	25.1M	9.1M
Gross Profit	24.4M	32.8M	24.8M	40.0M	47.1M
Operating Expenses
R&D Expense	—	—	—	—	—
SG&A Expense	16.8M	16.3M	18.4M	18.4M	17.7M
General & Admin Expense	16.4M	16.3M	17.4M	17.1M	16.2M
Selling & Marketing Expense	370.0K	—	965.0K	1.3M	1.5M
Other Expenses	7.6M	7.6M	10.8M	6.3M	5.5M
Total Operating Expenses	24.4M	23.8M	29.2M	24.7M	23.2M
Cost and Expenses	57.1M	49.9M	66.4M	49.8M	32.3M
Operating Income (EBIT)	18.0K	9.0M	(4.4M)	15.3M	23.9M
Non-Operating
Interest Income	55.9M	58.4M	58.2M	59.8M	48.7M
Interest Expense	19.6M	23.5M	29.3M	24.8M	6.5M
Net Interest Income	36.3M	34.9M	29.0M	35.0M	42.1M
Other Non-Op Income/Expense	—	—	—	—	—
Non-Operating Income (excl Interest)	—	—	—	—	—
EBT (Pre-Tax Income)	18.0K	9.0M	(4.4M)	15.3M	23.9M
Income Tax Expense	(318.0K)	2.2M	(195.0K)	4.5M	6.9M
Bottom Line
Net Income	336.0K	6.8M	(4.2M)	10.8M	17.0M
Earnings from Cont. Ops	336.0K	6.8M	(4.2M)	10.8M	17.0M
Earnings from Discont. Ops	—	—	—	—	—
Bottom Line Net Income	336.0K	6.8M	(4.2M)	10.8M	17.0M
Per Share
Basic EPS	$0.06	$1.01	($0.62)	$1.62	$2.54
Diluted EPS	$0.06	$1.01	($0.62)	$1.62	$2.54
Revenue Per Share	$8.47	$8.74	$9.24	$9.72	$8.40
Shares
Basic Shares Outstanding	6.7M	6.7M	6.7M	6.7M	6.7M
Diluted Shares Outstanding	6.7M	6.7M	6.7M	6.7M	6.7M
Profitability Metrics
EBITDA	197.0K	9.3M	(4.0M)	15.7M	24.3M
D&A	179.0K	380.0K	392.0K	385.0K	391.0K
EBIT	18.0K	9.0M	(4.4M)	15.3M	23.9M

As reported, in the filing currency · TTM sums the four latest quarters; MRQ is the latest quarter · Negatives in parentheses; a dash is a line the filing does not carry · Data as of Sep 1, 2026