Contrary to its name, Summit State Bank does business in both the hills and the valleys of Sonoma County in western California. Serving consumers and small to midsized businesses, the bank offers standard deposit services like checking, savings, and retirement accounts, as well as lending services such as real estate and commercial loans. Commercial real estate loans account for about 40% of the bank's loan portfolio, while commercial and agriculture loans make up about 20%. Its other lending products include single-family and multifamily mortgages, construction loans, and consumer loans. Summit State Bank operates about half a dozen branches in Petaluma, Rohnert Park, Santa Rosa, and Windsor.