Banks1ST SUMMIT BANK

1ST SUMMIT BANK

JOHNSTOWN, PALargeEst. Jan. 1, 1924, midnightFDIC #8426RSSD #526519FDIC
Latest · 2025-12-31

1ST SUMMIT BANK is an 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%. CET1 capital ratio: 13.80%, well above regulatory minimums. NPL ratio: 0.44% · Texas Ratio: 3.53%. Operates 17 domestic branches.

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 Margin2.47%
Yield on Assets4.74%
Cost of Funds2.29%

Asset Quality

NPL Ratio0.44%
Net Charge-Off Ratio0.13%
Texas Ratio3.53%
NPA Ratio0.27%
ACL / Loans0.77%

Capital & Liquidity

CET1 Ratio13.80%
Tier 1 Capital13.80%
Total Capital Ratio14.57%
Leverage Ratio8.45%
Loan-to-Deposit73.11%

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