1st Summit Bank
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Data as of · sourced from FFIEC call reports. How we update
1st Summit Bank is an FDIC-insured commercial bank headquartered in Johnstown, PA, established in 1924 (FDIC certificate 8426), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $1.52B, up 5.7% from Q2 2025, the 34th largest of 109 banks headquartered in Pennsylvania. Its CET1 capital ratio was 13.74% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 8426
- Headquarters
- Johnstown, PA
- Established
- 1924
- Total assets, Q2 2026
- $1.52B
- Assets vs Q2 2025
- +5.7%
- CET1 ratio, Q2 2026
- 13.74%
- Domestic offices
- 17 FDIC institution directory, current count
- Routing number
- 031316815
- Latest call report
- Q2 2026, FFIEC 051 · 1st Summit Bank call report
- Holding company
- 1ST SUMMIT BANCORP OF JOHNSTOWN, INC.
- Asset rank in state
- 34th of 109 in Pennsylvania
1st Summit Bank, based in Johnstown, Pennsylvania, reported $1.5 billion in assets at June 30, 2026, up 5.7% from a year earlier. It keeps 2.69 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 of the 895 banks with $1 billion to $10 billion in assets (median 3.71 cents). It also funds 8.61% of its assets with Tier 1 capital, lower than about 9 in 10 banks its size (median 10.52%).
Earnings jumped: net income for the quarter was $2.6 million, 102% above the same quarter a year earlier. Over the same year, loans grew 12.7% and deposits shrank 0.7%. Profitability lags: it earns about $0.69 a year on every $100 of assets, about half the median of $1.29 for banks its size.
As of June 30, 2026, 1st Summit Bank reported a CET1 capital ratio of 13.74%, a return on assets of 0.69%, a nonperforming-loan ratio of 0.44% and a Texas ratio of 3.60%. The figures come from its call report filed with the FFIEC.
Of the 109 banks headquartered in Pennsylvania, 1st Summit Bank is the 34th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.6% to $1.52B, loans rose 2.1% and deposits fell 1.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 46.2% of total loans, followed by non-owner-occupied commercial real estate loans at 17.4%. Its 17 offices in the FDIC Summary of Deposits are in 12 cities in PA; its Johnstown 5 offices book 49% of its branch deposits. By the capital ratios in its Q2 2026 call report, 1st Summit Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 125 Donald Ln, Johnstown, PA 15904
- County
- Cambria
- Metro Area
- Johnstown, PA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 3, Philadelphia
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1924
- Former names
- Summit Bank (1982-1996)
- Domestic offices
- 17 FDIC institution directory, current count
- Employees (FTE)
- 196
- Domestic deposits
- $1.18B
- Allowance for credit losses
- $7.2M
- Net charge-offs (YTD)
- -$49K
- Average total assets
- $1.52B
- Average total loans
- $910.0M
- Average interest-bearing deposits
- $1.13B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 8426
- Fed RSSD
- 526519
- Website
- www.1stsummit.bank →
- Parent Holding Company
- 1ST SUMMIT BANCORP OF JOHNSTOWN, INC. (RSSD 1830240)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, 1st Summit Bank's total assets ranged from $1.34B (Q3 2023) to $1.52B (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$1.52B total assets against $1.44B; $1.41B total liabilities against $1.34B.
$910.1M net loans and leases against $807.7M; $1.18B total deposits against $1.19B.
$507.0M securities against $531.9M; $19.6M cash and balances due against $24.4M.
$16.9M total interest income against $14.9M; $7.5M total interest expense against $7.4M.
$9.4M net interest income against $7.5M.
$2.2M total noninterest income against $2.1M; $8.4M total noninterest expense against $8.2M.
$200K provision for credit losses against $125K.
$2.6M net income against $1.3M.
0.69% return on assets against 0.36%; 2.69% net interest margin against 2.25%.
13.74% CET1 capital ratio against 14.49%; 8.61% tier 1 leverage ratio against 8.69%.
Inside the full 1st Summit Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Held-to-maturity securities carry unrealized losses worth 10–25% of book equity. Carried at amortized cost, they do not reduce reported capital, but they shrink the bank's true mark-to-market cushion if the securities ever have to be sold. BankRegReports analysis, HTM marks aren't a reported regulatory metric.
1st Summit Bank rankings
Its closest position to the top of a national ranking is 727 of 4,196, for total assets; its furthest is 3,036 of 3,611, for ROA.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.13% (Q3 2024) to 0.93% (Q4 2024) and its net interest margin ran from 1.70% (Q3 2024) to 2.69% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.74% | 0.69% | 0.44% | 3.60% | 2.69% |
| Q1 2026 | 13.72% | 0.63% | 0.45% | 3.76% | 2.54% |
| Q4 2025 | 13.80% | 0.48% | 0.48% | 3.88% | 2.46% |
| Q3 2025 | 14.20% | 0.48% | 0.49% | 3.99% | 2.39% |
| Q2 2025 | 14.49% | 0.36% | 0.40% | 3.64% | 2.25% |
| Q1 2025 | 14.80% | 0.24% | 0.33% | 2.95% | 2.05% |
| Q4 2024 | 14.91% | 0.93% | 0.54% | 4.68% | 2.23% |
| Q3 2024 | 15.30% | 0.13% | 0.57% | 4.94% | 1.70% |
Swipe the table sideways to see every column.
Branch Network
View all 17 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 1st Summit Bank (main office) | Johnstown , PA | 15904 | $271.8M |
| Westmont Branch | Johnstown , PA | 15905 | $128.9M |
| Downtown Branch | Johnstown , PA | 15901 | $123.3M |
| Portage Branch | Portage , PA | 15946 | $80.7M |
| Sidman Branch | Sidman , PA | 15955 | $78.9M |
| Cresson Branch | Cresson , PA | 16630 | $64.3M |
| Ebensburg Branch | Ebensburg , PA | 15931 | $63.7M |
| Indiana Branch | Indiana , PA | 15701 | $58.8M |
| Somerset Branch | Somerset , PA | 15501 | $53.6M |
| Eldorado Office Branch | Altoona , PA | 16602 | $43.1M |
| Altoona Walmart Branch | Altoona , PA | 16601 | $42.3M |
| Salix Branch | Salix , PA | 15952 | $35.8M |
| Latrobe Branch | Latrobe , PA | 15650 | $32.6M |
| Greenburg Branch Office | Greensburg , PA | 15601 | $28.1M |
| Park Hill Branch | Johnstown , PA | 15909 | $24.5M |
| William Penn Highway Branch Office | Murrysville , PA | 15668 | $23.9M |
| Johnstown Walmart Branch | Johnstown , PA | 15904 | $23.6M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.2% of deposits in PA, rank 51 of 145 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 540 applications, 332 loans originated, $69.5M originated, across 9 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $1.3M approved, $1.3M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about 1st Summit Bank
What are 1st Summit Bank's total assets?
As of the Q2 2026 filing, 1st Summit Bank reported total assets of $1.52 billion in its FFIEC call report.
Where is 1st Summit Bank headquartered?
It is headquartered in Johnstown, PA, United States.
When was 1st Summit Bank founded?
It was established in 1924, per the FDIC institution directory.
Is 1st Summit Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #8426). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates 1st Summit Bank?
1st Summit Bank's primary federal regulator is the FDIC.
What is 1st Summit Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 13.74% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does 1st Summit Bank operate?
It operates 17 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is 1st Summit Bank's Texas Ratio?
Its Texas Ratio is 3.60% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was 1st Summit Bank previously called?
The charter now named 1st Summit Bank has also operated as Summit Bank (1982-1996), per FDIC structure-change records.
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