1ST SUMMIT BANK

JOHNSTOWN, PA | Large | Est. Jan. 1, 1924, midnight | FDIC #8426 | RSSD #526519 | FDIC
Latest Report: 2025-12-31

1ST SUMMIT BANK is aln large FDIC-insured commercial bank headquartered in JOHNSTOWN, PA, established in Jan. 1, 1924, midnight. As of 2025-12-31, the bank reported total assets of $1.5B and total deposits of $1.2B. Profitability stands at 0.48% ROA and 6.72% ROE, with a net interest margin of 2.47%. The bank's CET1 capital ratio is 13.80%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.44% and a Texas Ratio of 3.53%. FDIC Certificate #8426.

Assets

$1.5B

Deposits

$1.2B

Loans

$881M

Equity

$109M

Profitability

Return on Assets (ROA) 0.48%
Return on Equity (ROE) 6.72%
Net Interest Margin (NIM) 2.47%
Yield on Assets 4.74%
Cost of Funds 2.37%

Asset Quality

NPL Ratio 0.44%
Net Charge-Off Ratio 0.13%
Texas Ratio 3.53%
NPA Ratio 0.27%
ACL / Loans 0.77%

Capital & Liquidity

CET1 Ratio 13.80%
Tier 1 Capital 13.80%
Total Capital Ratio 14.57%
Leverage Ratio 8.45%
Loan-to-Deposit 73.11%

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