Summit Bank, N.A.

11 STRAIGHT QUARTERS AS One of the Nation's Strongest Banks

Area BanksBauer Financial Rating
Summit Bank NA5 Stars
Centennial Bank5 Stars
Hancock Bank (Gulfport, MS)5 Stars
Trustmark5 Stars
Cadence Bank5 Stars
SunTrust0 Stars
SmartBank (formerly Gulfsouth)0 Stars
Innovations F.C.U.3 Stars
Regions 3 Stars
First National Bank NW Florida 3 Stars
Beach Community Bank0 Stars
Gulf Coast Community Bank0 Stars

JUNE 2013: Once again BAUERFINANCIAL, Inc., the nation’s leading bank rating and research firm, has recognized Summit Bank, NA, Panama City, Florida as a 5-Star Superior bank. A 5-Star rating indicates Summit Bank is one of the strongest banks in the nation. To earn this prestigious 5-Star rating, Summit Bank must excel in areas of capital quality, asset quality, profitability and much more. In fact, Summit Bank has earned this 5-Star Superior rating for the latest eleven consecutive quarters.

“As big banks grow increasingly complex and inflexible,” remarks Karen L. Dorway, president of the rating firm, “it’s encouraging to know that there are still community banks, like Summit Bank, that have mastered the three R’s of banking. Summit Bank is 1) Responsive to its customers’ needs, 2) Responsible in its underwriting and investments, and 3) Respected by the nation’s premier bank rating and research firm as well as its customers.”

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’s main office is located at 101 West 23rd Street, Panama City, with additional offices in Pensacola, Crestview, and Fort Walton Beach. Find Summit Bank online at

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

“Profitability has increased every year and we expect that trend to continue.” said Stein. “As we look to the future, we see limitless opportunity.

“The Summit Board has provided quality oversight requiring the bank has the processes, policies and resources to insure its growth is profitable and its service quality excellent. It also insures the risks of managing our business are mitigated,” he continued.

“We have been fortunate, as well, that the talent of the staff has increased as the size of the bank has increased.”

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

©2009-2013 Summit Bank NA, Panama City, FL, USA | NMLS ID# 491542