What is “The Summit Bank Difference”? First, it’s about providing unsurpassed personal service. We value our customers above all else, and we want their experiences to reflect that. Every time you do business with Summit Bank, our goal is to make you feel like you’re our only customer.

It’s also about being a leader in the banking industry and in the Northwest Florida communities we serve, from Pensacola to Panama City. Finally, it’s about trust. You can count on Summit Bank to provide quality banking services, to tailor our services to meet your unique financial needs and to safeguard you and your assets.

Contact us or visit our website www.summit.bank to experience The Summit Bank Difference for yourself.


    Summit Bank is not like other banks. There’s no row of teller windows, no queue to wait in and no loan department. Instead, customers are greeted by a receptionist and catered to by a team of Private Bankers who provide personalized, one-on-one service.

    Each new customer is assigned a Private Banker to handle all their banking needs, from opening accounts and making transactions to lending and investments. Summit Private Bankers are adept at managing the complex and overlapping business and personal financial needs of our diverse clientele, which includes wealthy individuals, small business owners and professionals, such as physicians and attorneys.


    Summit Bank has always been a leader in banking technology. As advanced services like mobile banking and remote deposits have come online, we have embraced them and tailored them to better fit our clients’ needs.

    In addition to the high-tech convenience of banking whenever and wherever you want, Summit Bank is committed to keeping you and your money safe. We provide the highest levels of security available to protect your personal information and shield you from financial fraud.


    For 23 consecutive quarters, we have earned a superior 5-Star rating from Bauer Financial, Inc. The rating, the highest available for financial institutions, indicates that Summit Bank is one of the strongest in the nation, excelling in key performance factors like capital, loan quality and profitability.

    We owe our success to our people, many of whom have been with us from the beginning. From our experienced senior management team to our exceptional directors and advisory board, Summit Bank’s leadership displays the kind of vision that makes us one of the Gulf Coast’s most trusted financial institutions.

    With offices in Panama City, Panama City Beach, Fort Walton Beach, and Pensacola, Summit Bank offers a comprehensive range of personal and business accounts, lending solutions, wealth management and investment services. Our team of Private Bankers is always ready to help you—24 hours a day, 7 days a week. Whether you’re banking on your phone, from the comfort of home or the other side of the world, you’re backed by the latest technologies, customized to help ensure maximum convenience and security. And you have a strong financial partner to help you reach your goals, now and into the future.