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1st Summit Bank

$1B-$10B Specialty: Commercial PA FDIC cert 8426

Designations: ✓ Community bank

Johnstown, PA

17 branches across PA

884 banks in the $1B-$10B peer group nationally 37 in PA
View $1B-$10B leaderboard (PA) →

1st Summit Bank has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Delinquency Rate 0.43% below tier average

Key Concerns

Areas that may need attention

  • - Net Interest Margin 1.36% below tier average
  • - ROA 0.74% below tier average
  • - Efficiency Ratio 16.17% above tier average
Get updates when 1st Summit Bank releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $1.5B
+6.0% YoY +0.0% QoQ
-$1.3B $2.8B
-0.1% YoY
$3.1B
+7.0% YoY
$6.2B
+9.1% YoY
35%
Total Loans ? $891.6M
+13.7% YoY +2.0% QoQ
-$1.1B $2.0B
+0.6% YoY
$2.2B
+7.7% YoY
$3.2B
+10.8% YoY
24%
Total Deposits ? $1.2B
+0.3% YoY -1.1% QoQ
-$1.2B $2.3B
-0.3% YoY
$2.6B
+7.1% YoY
$4.8B
+8.2% YoY
30%
Return on Assets ? 0.63%
+155.3% YoY +58.1% QoQ
-0.74% 1.37%
+19.6% YoY
1.46%
+26.2% YoY
1.23%
+13.4% YoY
Bottom 13.6% in tier
Net Interest Margin ? 2.46%
+21.1% YoY +8.9% QoQ
-1.36% 3.82%
+6.9% YoY
3.32%
+8.7% YoY
3.89%
+5.7% YoY
Bottom 5.1% in tier
Efficiency Ratio ? 77.23%
-13.8% YoY -6.7% QoQ
+16.17% 61.06%
-4.6% YoY
69.09%
-7.7% YoY
66.95%
-4.1% YoY
Bottom 11.5% in tier
Delinquency Rate ? 0.46%
+38.9% YoY -6.5% QoQ
-0.43% 0.89%
+14.1% YoY
0.92%
+20.5% YoY
0.95%
+18.8% YoY
56%
Loan-to-Deposit Ratio ? 74.77%
+13.4% YoY +3.1% QoQ
-9.43% 84.20%
+0.3% YoY
83.35%
-0.2% YoY
76.70%
+0.9% YoY
76%
Non-Interest-Bearing Deposit Share ? 11.28%
+4.8% YoY +8.0% QoQ
-10.01% 21.29%
-2.5% YoY
17.71%
-0.1% YoY
22.01%
-1.2% YoY
Bottom 14.8% in tier
Nonperforming Asset Ratio ? 0.28%
+32.3% YoY -5.3% QoQ
-0.39% 0.67%
+15.6% YoY
0.67%
+14.7% YoY
0.67%
+19.3% YoY
65%
Tier 1 Capital Ratio ? 13.72%
-7.4% YoY -0.6% QoQ
-1.44% 15.16%
+2.0% YoY
20.10%
+0.3% YoY
17.06%
+0.8% YoY
59%
Non-Interest Income / Assets ? 0.13%
-3.9% YoY -75.9% QoQ
-0.13% 0.26%
+1.6% YoY
0.69%
+18.0% YoY
0.32%
+4.1% YoY
42%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (1 metrics)

210
Loan-to-Deposit Ratio
liquidity
Value: 74.77%
Peer Median: 84.20%
#210 of 884 Top 23.6% in $1B-$10B

Top Weaknesses (5 metrics)

840
Net Interest Margin
profitability
Value: 2.46%
Peer Median: 3.82%
#840 of 884 Bottom 5.1% in $1B-$10B
783
Efficiency Ratio
profitability
Value: 77.23%
Peer Median: 61.06%
#783 of 884 Bottom 11.5% in $1B-$10B
765
Return on Assets
profitability
Value: 0.63%
Peer Median: 1.37%
#765 of 884 Bottom 13.6% in $1B-$10B
754
Non-Interest-Bearing Deposit Share
funding
Value: 11.28%
Peer Median: 21.29%
#754 of 884 Bottom 14.8% in $1B-$10B
673
Total Loans
size
Value: $891.58M
Peer Median: $1.96B
#673 of 884 Bottom 24.0% in $1B-$10B
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