Summit State Bank is a state-chartered commercial bank operating a traditional community banking business within its primary service area of Sonoma County in California. The Bank operates through approximately five offices located in Santa Rosa, Petaluma, Rohnert Park and Healdsburg. The Bank considers loans from Marin, Napa and San Francisco counties. The Bank provides a range of financial services to small-to medium-sized businesses and their owners and employees; professionals and professional associations; entrepreneurs; high net worth families; foundations; estates, and to individual consumers. The Bank offers a range of deposit products and services for both commercial and consumer customers, including electronic banking, cash management services and electronic bill payment. The Bank offers Internet banking system, accessible at the Bank's Website, www.summitstatebank.com. The Bank also offers telephone-banking services. ALTO Service Corporation is the Bank's subsidiary.