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1st Summit Bank

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

Designations: ✓ Community bank

Johnstown, PA

17 branches across PA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
  • Deposits -0.7% year over year ($1.2B on the books).
  • Delinquency rate 0.45%.
  • Return on assets 0.66%.
  • Efficiency ratio 74.72% vs a 59.73% peer average.
  • Loan-to-deposit ratio 77.27% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

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

1st Summit Bank has 1 strength but faces 4 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 0.42% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 21.8% in tier
  • - Net Interest Margin 1.32% below tier average
  • - ROA 0.73% below tier average
  • - Efficiency Ratio 14.99% above tier average
Get updates when 1st Summit Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $1.5B
+5.7% YoY +0.6% QoQ
-$1.3B $2.8B
-0.6% YoY
$3.1B
+7.3% YoY
$6.3B
+7.7% YoY
35%
Total Loans ? $910.1M
+12.7% YoY +2.1% QoQ
-$1.1B $2.0B
-0.3% YoY
$2.3B
+8.0% YoY
$3.2B
+9.4% YoY
26%
Total Deposits ? $1.2B
-0.7% YoY -1.2% QoQ
-$1.1B $2.3B
-0.5% YoY
$2.6B
+7.1% YoY
$4.9B
+7.3% YoY
28%
Return on Assets ? 0.66%
+116.4% YoY +4.8% QoQ
-0.73% 1.39%
+17.0% YoY
1.63%
+26.6% YoY
1.30%
+12.1% YoY
Bottom 12.1% in tier
Net Interest Margin ? 2.55%
+19.7% YoY +3.5% QoQ
-1.32% 3.87%
+6.2% YoY
3.40%
+8.7% YoY
3.95%
+4.9% YoY
Bottom 5.2% in tier
Efficiency Ratio ? 74.72%
-14.9% YoY -3.3% QoQ
+14.99% 59.73%
-12.6% YoY
66.68%
-6.6% YoY
70.05%
+2.5% YoY
Bottom 13.2% in tier
Delinquency Rate ? 0.45%
+9.2% YoY -2.6% QoQ
-0.42% 0.87%
+11.7% YoY
0.92%
+32.0% YoY
0.98%
+16.3% YoY
57%
Loan-to-Deposit Ratio ? 77.27%
+13.4% YoY +3.3% QoQ
-7.77% 85.04%
-0.1% YoY
84.75%
+0.9% YoY
79.03%
+2.3% YoY
73%
Non-Interest-Bearing Deposit Share ? 11.28%
+6.5% YoY +0.0% QoQ
-9.99% 21.27%
-1.5% YoY
18.04%
+1.4% YoY
21.98%
-0.6% YoY
Bottom 13.8% in tier
Nonperforming Asset Ratio ? 0.28%
+5.3% YoY -1.1% QoQ
-0.40% 0.67%
+11.7% YoY
0.67%
+21.3% YoY
0.69%
+15.8% YoY
64%
Tier 1 Capital Ratio ? 13.74%
-5.2% YoY +0.2% QoQ
-1.10% 14.84%
-0.4% YoY
19.93%
+0.1% YoY
17.09%
+0.8% YoY
60%
Non-Interest Income / Assets ? 0.27%
-0.9% YoY +115.8% QoQ
-0.26% 0.53%
+2.5% YoY
1.47%
+21.0% YoY
0.66%
+5.2% YoY
45%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Noninterest-Bearing 11.3%
+0.7pp YoY
0.0pp QoQ
 -10.1pp 21.4% 18.7% 22.2% 13%
Brokered Deposits n/a n/a 9.5% 6.8% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
C&I 10.1%
-2.4pp YoY
-0.8pp QoQ
 -3.9pp 14.0% 8.6% 12.5% 45%
CRE 38.0%
+6.0pp YoY
+1.2pp QoQ
 -12.0pp 50.0% 37.9% 41.4% 20%
1-4 Family 46.6%
-3.0pp YoY
-1.1pp QoQ
 +20.2pp 26.4% 47.8% 31.3% 88%
Consumer 1.5%
-0.5pp YoY
-0.1pp QoQ
 -3.2pp 4.7% 3.8% 5.0% 55%

Capital

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
CET1 Ratio 13.7%
-0.8pp YoY
0.0pp QoQ
 -1.9pp 15.6% 22.3% 19.7% 54%
Leverage Ratio 8.6%
-0.1pp YoY
0.0pp QoQ
 -2.7pp 11.3% 13.2% 12.6% 6%
Total Capital Ratio 14.5%
-0.7pp YoY
0.0pp QoQ
 -2.2pp 16.7% 23.3% 20.8% 47%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Full-Time Employees 196
-8 (-3.9%) YoY
-3 (-1.5%) QoQ
 -118 313 299 482 40%
Assets per Employee ($) $7.8M
+10.0% YoY
+2.1% QoQ
 -$2.7M $10.5M $9.2M $8.8M 36%
Branch Count 17
0 YoY
0 QoQ
 -3 20 20 18 57%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Past Due 90+ Days 0.1%
0.0pp YoY
0.0pp QoQ
 -0.1pp 0.2% 0.2% 0.4% 66%
Nonaccrual 0.4%
0.0pp YoY
0.0pp QoQ
 -0.4pp 0.8% 0.9% 1.0% 39%
Allowance Coverage 1.79x
-5.8% YoY
+4.5% QoQ
 -16.92x 18.71x 3.63x 20.23x 44%
Net Charge-off Rate (YTD) -0.0%
-0.3pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.1% 0.2% 6%

Profitability

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
ROE 9.2%
+4.7pp YoY
+0.4pp QoQ
 -3.4pp 12.6% 10.2% 11.6% 27%
Cost of Funds (YTD) 2.1%
-0.2pp YoY
0.0pp QoQ
 +0.2pp 1.9% 1.8% 1.7% 64%
Net Income ($, YTD) $5.0M
+130.1% YoY
— QoQ
 -$14.2M $19.2M $18.2M $40.4M 11%

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 (1)

Credit Quality Pressure

risk
#108 of 492 • Bottom 21.8% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.45%
(Tier: 0.87%, National: 0.98%)
better than tier avg
492 of 492 Mid-Market banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

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 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (4 metrics)

840
Net Interest Margin
profitability
Value: 2.55%
Peer Median: 3.87%
#840 of 885 Bottom 5.2% in $1B-$10B
779
Return on Assets
profitability
Value: 0.66%
Peer Median: 1.39%
#779 of 885 Bottom 12.1% in $1B-$10B
769
Efficiency Ratio
profitability
Value: 74.72%
Peer Median: 59.73%
#769 of 885 Bottom 13.2% in $1B-$10B
764
Non-Interest-Bearing Deposit Share
funding
Value: 11.28%
Peer Median: 21.27%
#764 of 885 Bottom 13.8% in $1B-$10B
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