Private Banking Capitalize on Summit Bank's Private Banker model to deliver highly personalized services and cross sell lending, cash management, and wealth offerings to affluent individuals and small business owners in Northwest Florida.

Wealth and SMB With a comprehensive suite including personal and business accounts, lending, wealth management, and investment services, there is a clear cross selling opportunity for growing small businesses and entrepreneurs connected to the bank's regional footprint.

Digital Security Summit Bank's emphasis on technology and security, including mobile banking and remote deposits, presents opportunities to offer cybersecurity and fintech partnerships that enhance client digital channels and risk management for SMBs and affluent clients.

Regional Growth Regional footprint across Panama City, Panama City Beach, Fort Walton Beach and Pensacola positions the bank to capture mid market opportunities in hospitality, real estate, and professional services with tailored treasury, cash management, and lending programs.

Credibility Stability A longstanding Bauer five star rating underscores strength and stability, a compelling differentiator to attract risk averse deposit and borrowing clients and to grow core depository relationships and related services.