1st Summit Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 9.32 percentage points higher than in Q1 2026, at 204.69%. 1st Summit Bank ranks 80th of 109 Pennsylvania banks on return on assets, in the lower half at 0.69% (Q2 2026). 1st Summit Bank reported 0.69% on return on assets for Q2 2026, 0.59 points below the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.74% |
| Tier 1 risk-based capital ratio | 13.74% |
| Total risk-based capital ratio | 14.54% |
| Tier 1 leverage ratio | 8.61% |
| Equity capital to assets | 7.27% |
| Tangible equity to tangible assets | 7.25% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.39% |
| Non-performing assets ratio | 0.24% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 3.60% |
| Allowance for credit losses to loans | 0.79% |
| Reserve coverage of non-performing loans | 204.69% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.69% |
| Return on equity | 9.65% |
| Net interest margin | 2.69% |
| Efficiency ratio | 70.21% |
| Yield on earning assets | 4.77% |
| Cost of funds | 2.04% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.88% |
| Core deposits to total deposits | 91.26% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 77.47% |
| Securities to assets | 33.35% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 15.44% | 15.44% | 16.42% | 9.08% | 0.09% |
| Q4 2023 | 15.29% | 15.29% | 16.26% | 9.03% | 0.14% |
| Q1 2024 | 15.18% | 15.18% | 16.14% | 8.88% | -0.17% |
| Q2 2024 | 15.16% | 15.16% | 16.20% | 8.86% | 0.14% |
| Q3 2024 | 15.30% | 15.30% | 16.26% | 8.86% | 0.13% |
| Q4 2024 | 14.91% | 14.91% | 15.81% | 8.95% | 0.93% |
| Q1 2025 | 14.80% | 14.80% | 15.57% | 8.71% | 0.24% |
| Q2 2025 | 14.49% | 14.49% | 15.26% | 8.69% | 0.36% |
| Q3 2025 | 14.20% | 14.20% | 14.98% | 8.47% | 0.48% |
| Q4 2025 | 13.80% | 13.80% | 14.57% | 8.45% | 0.48% |
| Q1 2026 | 13.72% | 13.72% | 14.49% | 8.58% | 0.63% |
| Q2 2026 | 13.74% | 13.74% | 14.54% | 8.61% | 0.69% |
1st Summit Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock 1st Summit Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)