1st Summit Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks 1st Summit Bank of Johnstown, PA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.69% | 1.44% | -0.75% | 15th bottom |
| ROAE | 9.65% | 12.51% | -2.86% | 29th below |
| Net Interest Margin | 2.69% | 3.84% | -1.15% | 7th bottom |
| Efficiency Ratio | 70.21% | 58.86% | +11.35% | 20th bottom |
| PPNR / Avg Assets | 0.84% | 1.78% | -0.94% | 10th bottom |
| Yield on Earning Assets | 4.77% | 5.71% | -0.94% | 13th bottom |
| Cost of Funds | 2.04% | 2.03% | +0.01% | 49th below |
| Net Interest Spread | 2.38% | 3.18% | -0.80% | 16th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.39% | 0.96% | -0.57% | 66th above |
| NPA / Total Assets | 0.24% | 0.75% | -0.51% | 70th above |
| NCO / Avg Loans | -0.03% | 0.31% | -0.34% | 96th top |
| ACL / Total Loans | 0.79% | 1.25% | -0.46% | 13th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 204.69% | 699.39% | -494.70% | 56th above |
| Texas Ratio | 3.60% | 7.17% | -3.57% | 60th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 13.74% | 17.41% | -3.67% | 54th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 13.74% | 17.45% | -3.71% | 54th above |
| Total Capital Ratio | 14.54% | 18.50% | -3.96% | 48th below |
| Leverage Ratio | 8.61% | 11.60% | -2.99% | 6th bottom |
| Equity / Assets | 7.27% | 11.34% | -4.07% | 4th bottom |
| TCE / Tangible Assets | 7.25% | 10.65% | -3.40% | 6th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 77.88% | 86.36% | -8.48% | 74th above |
| Core Deposit Ratio | 91.26% | 85.55% | +5.71% | 64th above |
| Uninsured Deposit Ratio | 29.85% | 32.71% | -2.86% | 55th above |
| Wholesale Funding Ratio | 14.09% | 5.44% | +8.65% | 7th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.68% | 10.46% | -4.78% | 53rd above |
| Loan Growth (Y/Y) | 12.70% | 7.99% | +4.71% | 80th top |
| Deposit Growth (Y/Y) | -0.66% | 7.99% | -8.65% | 15th bottom |
See 1st Summit Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock 1st Summit Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full 1st Summit Bank profile, how to read a UBPR, or how this data updates.