1st Summit Bank
Total assets
$1.52B
▲ +5.7% YoY
Deposits
$1.18B
▼ -0.7% YoY
Loans
$910.1M
▲ +12.7% YoY
Offices
17
1ST SUMMIT BCORP JOHNSTOWN INC
ROA (annualized)
0.66%
peers 1.26%
ROE (annualized)
9.19%
peers 12.17%
Peer comparison 887 banks with 1B-10B in assets
| Metric | 1st Summit Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.7% | +5.5% | +0.2 pts |
| Deposit growth (YoY) | -0.7% | +5.1% | -5.7 pts |
| Loan growth (YoY) | +12.7% | +5.9% | +6.8 pts |
| ROA | 0.66% | 1.26% | -0.6 pts |
| ROE | 9.2% | 12.2% | -3.0 pts |
ROA ranks in the 12th percentile of its peer group · Q2 2026
Profile
- Established
- 1924
- Charter
- State
- Primary regulator
- FDIC
- Holding company
- 1ST SUMMIT BCORP JOHNSTOWN INC
- Specialization
- Commercial Lending Specialization
- Address
- 125 Donald Ln, Johnstown, PA, 15904
- County
- Cambria
- Metro area
- Johnstown, PA
- Offices
- 17
- FDIC cert #
- 8426
- RSSD ID
- 526519
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.52B | $1.18B | $910.1M | $110.5M | $5.0M | 0.66% | 2.55% | 0.28% |
| Q1 2026 | $1.51B | $1.19B | $891.6M | $106.4M | $2.4M | 0.63% | 2.46% | 0.28% |
| Q4 2025 | $1.51B | $1.21B | $874.5M | $109.1M | $5.8M | 0.40% | 2.26% | 0.30% |
| Q3 2025 | $1.48B | $1.20B | $844.6M | $106.0M | $4.0M | 0.37% | 2.21% | 0.30% |
| Q2 2025 | $1.44B | $1.19B | $807.7M | $98.6M | $2.2M | 0.30% | 2.13% | 0.26% |
| Q1 2025 | $1.43B | $1.19B | $784.5M | $96.9M | $873K | 0.25% | 2.03% | 0.21% |
| Q4 2024 | $1.41B | $1.21B | $775.6M | $92.5M | $3.6M | 0.26% | 1.76% | 0.33% |
| Q3 2024 | $1.35B | $1.21B | $760.0M | $99.3M | $346K | 0.03% | 1.73% | 0.39% |
Loan mix (Q2 2026): real estate $771.0M · commercial $91.5M · consumer $13.5M · securities $507.0M
Ratio pack Q2 2026 · peer medians from 887 institutions
Profitability
| Ratio | 1st Summit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.66% | 1.26% | 12th | |
Return on equity Annualized net income ÷ equity or net worth | 9.2% | 12.2% | 27th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.55% | 3.70% | 6th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.7% | 59.0% | 87th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | 1st Summit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | 1st Summit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | 1st Summit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | 1st Summit Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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