1st Summit Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 7.22 percentage points in Q2 2026, from 182.52% to 189.75%. It was the largest change from Q1 2026 among the key lines here. Within Pennsylvania, 1st Summit Bank is 79th of 109 on loan-to-deposit ratio, 77.88% as of Q2 2026, below the middle of the field. 1st Summit Bank reported 77.88% on loan-to-deposit ratio for Q2 2026, 10.32 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $917.3M |
| Net loans and leases | $910.1M |
| Loans held for sale | $0 |
| Loans to total assets | 60.33% |
| Loan-to-deposit ratio | 77.88% |
| Net loans to equity capital | 8.23% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 26.55% |
| Multifamily (5+ residential) | 5.98% |
| Commercial and industrial | 9.98% |
| Consumer | 1.47% |
| Credit cards | 0.00% |
| Farm | 0.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 4.45% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 189.75% |
| Construction concentration (Tier 1 capital + allowance) | 34.25% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 5.54% |
| Interest income on loans | $12.6M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $757.8M | $1.17B | 22.06% | 13.37% | 3.81% |
| Q4 2023 | $762.4M | $1.19B | 22.13% | 13.28% | 3.68% |
| Q1 2024 | $764.7M | $1.20B | 22.54% | 13.06% | 3.39% |
| Q2 2024 | $770.5M | $1.20B | 22.81% | 13.39% | 3.23% |
| Q3 2024 | $767.6M | $1.21B | 23.36% | 12.59% | 3.07% |
| Q4 2024 | $782.8M | $1.21B | 24.80% | 13.02% | 2.39% |
| Q1 2025 | $790.6M | $1.19B | 25.80% | 12.80% | 2.13% |
| Q2 2025 | $814.0M | $1.19B | 27.09% | 12.39% | 2.00% |
| Q3 2025 | $851.1M | $1.20B | 26.35% | 12.37% | 1.87% |
| Q4 2025 | $881.3M | $1.21B | 25.66% | 10.90% | 1.70% |
| Q1 2026 | $898.5M | $1.19B | 25.74% | 10.78% | 1.54% |
| Q2 2026 | $917.3M | $1.18B | 26.55% | 9.98% | 1.47% |
1st Summit Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Summit Bank, freeSource: Call Report Schedule RC-C, 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)