Summit Bank, N.A.

Maintains Its Rating as One of the Nation's Strongest Banks

Area Banks	Bauer Financial Star Rating
Summit Bank NA
Hancock Bank (Gulfport, MS)
Trustmark
Bay Bank & Trust
First National Bank NW Florida
Regions
SunTrust
Vision Bank
Beach Community Bank
Gulf Coast Community Bank
Gulfsouth Private Bank
Superior Bank

SEPTEMBER 2011 – Summit Bank, N.A., Panama City, Florida is once again proud to be recognized as a superior 5-Star rated bank by BauerFinancial, Inc., Coral Gables, Florida, the nation’s leading bank rating and research firm. To earn this rating Summit Bank must not only report impressive capital levels, but also an enviable loan portfolio with negligible levels of delinquent loans.

That’s a combination that has been hard to come by the past couple of years. Yet, Summit Bank has managed to do it. With that, BauerFinancial bestows its highest 5-Star Superior rating on Summit Bank denoting the highest level of strength and performance that a bank can receive. In fact, Summit Bank has earned this 5-Star Superior rating for the last five consecutive quarters.

“Not only has Summit Bank proven its efficacy yesterday and today, it is also primed for whatever tomorrow may bring,” observes Karen L. Dorway, president of BauerFinancial. “The past three years have put a considerable amount of pressure on our nation’s banks and we are pleased to see community banks, like Summit Bank, still able to shine.”

Andy Stein, Summit Bank CEO, said, “This rating recognizes Summit Bank’s solid commitment to exceeding federally required capital asset ratios. Summit Bank has excellent asset quality and the highest capital to asset ratio of any bank operating in Bay County, Florida. We do this while offering a unique private banking model with a focus on a superior level of customer service.”

Established in 2008, Summit Bank NA is a Panama City-based community bank offering full range of banking services with an emphasis on exceptional client service and meeting the needs of its local community. Summit Bank is located at 101 West 23rd Street, Panama City and 109 East Garden Street, Suite A, Pensacola or online at www.summitbankna.com.

Summit Bank: See You at the Top.™

BauerFinancial, Inc., Coral Gables, Florida, the nation’s leading independent bank and credit union rating and research firm, has been reporting on and analyzing the performance of U.S. banks and credit unions since 1983. No institution pays BauerFinancial to rate it, nor can any choose to be excluded. Consumers may obtain star-ratings by visiting www.bauerfinancial.com.