1st Summit Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income climbed 10.6% in Q2 2026, from -$23.2M to -$20.7M. It was the largest change from Q1 2026 among the key lines here. 1st Summit Bank ranks 38th of 72 Pennsylvania banks on CET1 ratio, in the lower half at 13.74% (Q2 2026). At 13.74%, 1st Summit Bank's CET1 ratio is close to the 13.48% median for banks in the $1B-10B asset tier (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 13.74% |
| Tier 1 risk-based capital ratio | 13.74% |
| Total risk-based capital ratio | 14.54% |
| Tier 1 leverage ratio | 8.61% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $130.9M |
| Tier 1 capital | $130.9M |
| Total risk-based capital | $138.5M |
| Total equity capital | $110.5M |
| Risk-weighted assets | $952.9M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 7.27% |
| Tangible equity to tangible assets | 7.25% |
| Equity capital to average assets | 7.27% |
| Internal capital growth rate | 6.41% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $771K |
| Common stock surplus | $9.4M |
| Retained earnings | $121.1M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$20.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 15.44% | 15.44% | 16.42% | 9.08% | $811.8M |
| Q4 2023 | 15.29% | 15.29% | 16.26% | 9.03% | $816.4M |
| Q1 2024 | 15.18% | 15.18% | 16.14% | 8.88% | $812.7M |
| Q2 2024 | 15.16% | 15.16% | 16.20% | 8.86% | $810.6M |
| Q3 2024 | 15.30% | 15.30% | 16.26% | 8.86% | $799.7M |
| Q4 2024 | 14.91% | 14.91% | 15.81% | 8.95% | $836.3M |
| Q1 2025 | 14.80% | 14.80% | 15.57% | 8.71% | $848.3M |
| Q2 2025 | 14.49% | 14.49% | 15.26% | 8.69% | $869.1M |
| Q3 2025 | 14.20% | 14.20% | 14.98% | 8.47% | $893.2M |
| Q4 2025 | 13.80% | 13.80% | 14.57% | 8.45% | $926.1M |
| Q1 2026 | 13.72% | 13.72% | 14.49% | 8.58% | $942.2M |
| Q2 2026 | 13.74% | 13.74% | 14.54% | 8.61% | $952.9M |
1st Summit Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Summit Bank, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full 1st Summit Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8426) · FFIEC NIC profile (RSSD 526519)