president and ceo of summit state bank brian reedWe take our role as your community bank seriously and want to assure you that our focus is on the health and wellbeing of our employees, customers and community, while continuing our commitment to serve you and providing you access to tools to manage your financial needs.

Our team is committed to assist you in navigating these uncertain times by providing you resources and guidance you need to manage your finances - especially if you have been impacted by the COVID - 19 pandemic.

We also recognize the importance of providing you timely and accurate information as it becomes available. We have created this webpage to provide you with another way to access timely information on the Paycheck Protection Program (PPP) and resources associated with the program. We will be updating this page as new information is released and continue to connect with you via social media and emails. We hope you will stay connected with us and informed.

Our highest priority is keeping our employees and customers safe; working with our small business customers and non-profits so they too can continue their businesses and services to our community.

Thank you for choosing Summit as your banking partner.

Wishing you and your family all our best.

Brian Reed, President & CEO


The Small Business Administration (SBA) is continually updating the information pertaining to the Payroll Protection Program (PPP). As we receive updated information, we will be publishing it on this webpage, so we encourage you to bookmark this page and visit periodically.

The Paycheck Protection Flexibility Act of 2020 was approved by the President and gives businesses more time and flexibility to spend their PPP funds, while maintaining their eligibility for forgiveness. Here are some of the features of the program:

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

  • Timeline for using the PPP funds have been extended from 8 weeks to 24 weeks
  • Extended the timeline to restore your payroll and rehire employees and/or bring wages back to 75% of pre-Covid levels from June 30 to December 31
  • More flexibility with how PPP loan funds is used with up to 40% for eligible non-payroll expenses (rent (business) utilities, mortgage interest – while still being eligible for forgiveness.
  • Extends the period after the PPP loan was funded for businesses to submit their forgiveness application.


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:

December 3, 2020 December 2, 2020 November 6, 2020 October 9, 2020 October 1, 2020 September 10, 2020 July 30, 2020 July 10, 2020 July 6, 2020 June 22, 2020 June 11, 2020 June 5, 2020 May 19, 2020 May 14, 2020 April 30, 2020 April 24, 2020 April 23, 2020 April 21, 2020 April 20, 2020 April 16, 2020 April 11, 2020 April 3, 2020 April 2, 2020


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.


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 Instructions for Form 3508S for loans of $50,000 or less (11-30-20)

Click here for PPP Application for Form 3508S for loans of $50,000 or less (11-30-20)

Click here for PPP Instructions for Form 3508EZ (11-30-20)

Click here for PPP Applications for Form 3508EZ (11-30-20)

Click here to download Instructions for the PPP Loan Forgiveness Application (11-30-20) »
Click here to download Application for the PPP Loan Forgiveness Application (11-30-20) »

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.

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.

Downwload our Devoted to Business PDF »

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.