Paycheck Protection Program Update

The Economic Aid to Hard-Hit Small Businesses, Nonprofits and Venues Act signed into law on December 27, 2020 establishes an additional $284 billion in additional Paycheck Protection Program (PPP) funding to assist eligible small businesses that continue to face hardships during the pandemic.

We are pleased to share with you that Summit State Bank is planning to participate in the Small Business Administration’s (SBA) program and will support our customers through the process. We continue to work on the details and will provide you updates as new information becomes available.

Summit State Bank customers who are interested in participating should review the documents on the Resource Page below in preparation for next steps.

Summit State Bank is currently focused on helping our existing small business customers and nonprofits gain access to these additional PPP funds. To participate in the SBA’s PPP through Summit State Bank, the applicant must have had a Summit State Bank checking account which they use as their primary business account as of December 27, 2020, when the legislation was signed into law.

Please note that the information provided is for informational purposes only and we strongly recommend consulting a Certified Public Accountant (CPA) to ensure your unique circumstances are being considered.

The Application Process

Due to the overwhelming number of PPP requests, we ask that you refrain from sending any applications or documents at this time. You will be guided by your dedicated Relationship Manager or our PPP team when we are accepting online applications. Please continue to the Resource Page below for the application that applies to your business or organization.


It is our priority to keep you informed of all the update and changes to the PPP and PPPFA. Posted below are the communications and information we sent to you as one of our PPP loan customers:

January 22, 2021 January 14, 2021 January 13, 2021 January 8, 2021



Summit State Bank instructions on how to load your completed Forgiveness Application and send it to the Bank. Click here for complete details.

Click here for PPP Forgiveness Factsheet

Click here for PPP as Amended by the Economic Aid Act

Click here for PPP Instructions/Application for Form 3508S for loans of $150,000 or less (1-19-21)

Click here to download Application for the PPP Loan Forgiveness Application (1-19-21) »


PPP applications are now being accepted for applicants who had a Summit State Bank checking account which they use as their primary business account as of December 27, 2020, when the legislation was signed into law. SBA Application window closes on March 31, 2021.

The SBA has provided detailed information about the Coronavirus Relief Options (

Eligibility Information and Applications 

Please review the latest interim final rules IFR: Paycheck Protection Program (PPP) as Amended by the Economic Aid Act ( and IFR: Paycheck Protection Program (PPP) Second Draw Loans ( and the Borrowers Application and Second Draw Application form with your legal, tax and accounting advisors to understand how they apply to your business and in preparation for your application.

First draw customers, please see How to Apply on Summit’s PPP website and the SBA website for common questions and answers. 

PPP Forgiveness

The following is the list of items you will need in order to complete the PPP Forgiveness Application:

  • Copies of payroll tax reports filed with the IRS (including Forms 941, state income and unemployment tax filing reports) or equivalent third-party payroll service provider reports.
  • Copies of payroll reports for each pay period (including partial pay periods in some cases).  Gross wages including Paid Time Off (PTO), which might include vacation, sick and other PTO, in addition to supporting documentation for the Full-time Equivalent (FTE) calculations should be included.
  • Documentation reflecting the health insurance premiums paid by the company under a group health plan including owners of the company.  Copies of monthly invoices should suffice.
  • Documentation of all retirement plan funding by the employer.  Copies of workpapers, schedules and remittances to the retirement plan administrator should be available.
  • Copies of all real estate lease agreements incurred prior to February 15, 2020 should be presented along with proof of payment.  Cancelled checks should be sufficient and/or;
  • Copies of all mortgage statements of interest paid on company occupied commercial real estate for debt obligations incurred prior to February 15, 2020 should be presented along with proof of payment.  Cancelled checks should be sufficient.
  • Copies of cancelled checks, statements or other evidence of eligible utilities paid.

For Self-Employed Income for single-member LLCs, sole-proprietorships, Independent Contractors, Self-employed individuals please include the following information:

Evidence via cancelled checks of total amount paid to owner-employee/self-employed individual/general partners not to exceed $20,833 in cash compensation for line 1 of the PPP Schedule A in the loan forgiveness application.
Once you've completed the Forgiveness Application, please send it back to Summit from your account.

Here’s how to log in:

  1. Go to
  2. Enter your email/username
  3. Enter your password
  4. Click Log In

Forgot your password? No worries: Just click the Forgot Password link.

U.S. Treasury »

Small Business Administration (SBA) »


Summit State Bank is committed to protecting you from identity theft, scams and fraud. We ask that you join us by being diligent in reviewing your account activity and contacting us as soon as you notice something unusual.

Please note that Summit State Bank will never phone, text, or email you to request private information such as your account number, social security number, card number or password.

If you receive a call or are contacted by someone who purports to be from Summit State Bank, who is asking for personal and account information, please contact us immediately at 707-568-6000 for assistance.

Federal Deposit Insurance Corporation (FDIC) »
Federal Trade Commission (FTC) »
Sonoma County District Attorney Consumer Alerts »


With our focus on employee and community well-being, we have implemented mandatory social distancing practices and masks are required at all our branches. In addition, we have limited the number of customers allowed in each lobby at any given time. All our branch locations are open Monday through Friday, 9:00 am - 5:00 pm.

We are monitoring information from the Centers for Disease Control and Prevention (CDC) and other federal, state and local agencies to ensure that the actions we are taking are in line with the latest CDC recommendations.

CDC's website »

We are keeping our employees informed and sharing information as it becomes available to ensure the health of our employees and our customers.

We are ensuring that our employees are trained on and practicing proper preventative actions. As a precautionary step we have installed stations in all our branches, equipped with hand sanitizer and disinfectant spray/wipes for use by both our employees and customers.


The Summit State Bank team has been working tirelessly to assist our community with the Paycheck Protection Program through the Small Business Administration.

We are grateful to our entire team who stepped up to assist with the unplanned financial stress the pandemic has placed on our community.