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To our Panama City community, we hope that you and your family are safe. Our thoughts are with our neighbors and friends as the recovery efforts begin. Summit Bank is here to help. We will continue to share updates and work to provide the same private banking service you’ve come to expect.

We will open in Suite A at 11 W. 23rd St. office in Panama City as soon as possible. The Panama City Beach office will open with drive-thru service only. As always, you can use any ATM without any service fees. For Bay County-related questions, please contact Frank Hall, EVP/COO, at 850-814-9091. Our Fort Walton Beach and Pensacola locations are open to assist Summit Bank clients: (Pensacola) 850-433-5950 or (Fort Walton) 850-362-1220.

All of us at Summit Bank are dedicated to coming back stronger than ever. Thank you for your patience and understanding. Together, we are #PanhandleStrong.

To report a lost or stolen Summit Bank Debit Card, please call 1-800-500-1044

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ADA Compliance - Summit Bank has an ongoing commitment to assure our website is easy for all of our customers to use, including people with disabilities. We continually enhance the accessibility and usability of our website based upon standards recommended by the World Wide Web Consortium (W3C) in its Web Content Accessibility Guidelines 2.0.In the event that a user with a disability experiences accessibility issues with our website, please notify us by sending an email to or calling us at 1-850-784-5005. In your communication to us, please specify the nature of the accessibility difficulty, including the URL/web address that may have presented an accessibility challenge.