TellerScore

1st Summit Bank (FDIC certificate #8426) is based in Johnstown, Pennsylvania. Its Q2 2026 call report shows $1.5B in total assets and $1.2B in deposits and 17 offices.

Based on its Q2 2026 filing, 1st Summit Bank scores 60/100, which we describe as moderate. That is higher than only 21% of 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 81st. Its strongest component is problem-loan coverage (93/100; 3.6%), and its lowest is capital cushion (36/100; 8.61%).

TellerScore · Q2 2026

Scorecard

Capital cushion36/100
Tier 1 leverage ratio: 8.61%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.44%
Earnings46/100
Return on assets (annualized): 0.66%
Funding & liquidity66/100
Loans ÷ deposits and uninsured-deposit share: 77.3% · 29.8% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.59%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (60 → 60).

TellerScore
565961Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202456
Q3 202457
Q4 202459
Q1 202560
Q2 202560
Q3 202559
Q4 202558
Q1 202661
Q2 202660
Tier 1 leverage ratio
5.00%6.98%8.95%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 20248.86%
Q3 20248.86%
Q4 20248.95%
Q1 20258.71%
Q2 20258.69%
Q3 20258.47%
Q4 20258.45%
Q1 20268.58%
Q2 20268.61%
Noncurrent loans
0.33%0.46%0.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.60%
Q3 20240.57%
Q4 20240.54%
Q1 20250.33%
Q2 20250.40%
Q3 20250.49%
Q4 20250.48%
Q1 20260.45%
Q2 20260.44%
Return on assets
-0.02%0.32%0.66%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 2024-0.02%
Q3 20240.03%
Q4 20240.26%
Q1 20250.25%
Q2 20250.30%
Q3 20250.37%
Q4 20250.40%
Q1 20260.63%
Q2 20260.66%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$1.5B8.61%0.44%0.66%77.3%
Q1 202661$1.5B8.58%0.45%0.63%74.8%
Q4 202558$1.5B8.45%0.48%0.40%72.5%
Q3 202559$1.5B8.47%0.49%0.37%70.5%
Q2 202560$1.4B8.69%0.40%0.30%68.1%
Q1 202560$1.4B8.71%0.33%0.25%66.0%
Q4 202459$1.4B8.95%0.54%0.26%64.2%
Q3 202457$1.4B8.86%0.57%0.03%62.8%
Q2 202456$1.4B8.86%0.60%-0.02%63.4%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.61%
7th
Total risk-based capital14.54%
60th
Problem loans0.44%
56th
Net charge-offs-0.01%
94th
Return on assets0.66%
13th
Net interest margin2.55%
6th
Efficiency ratio74.7%
13th
Loans to deposits77.3%
73rd
Uninsured deposits29.8%
54th
Loan-loss reserves0.79%
15th
Texas ratio3.6%
50th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
First Keystone Community BankBank Berwick, PA50 out of 100, Below average$1.6B9.7%2.11%vs
Ameriserv Financial BankBank Johnstown, PA60 out of 100, Moderate$1.5B9.5%0.76%vs
Marquette Savings BankBank Erie, PA73 out of 100, Strong$1.4B13.6%0.66%vs
Washington Financial BankBank Washington, PA81 out of 100, Strong$1.4B14.7%0.46%vs
Community BankBank Carmichaels, PA66 out of 100, Moderate$1.7B9.9%0.29%vs
Journey BankBank Bloomsburg, PA71 out of 100, Strong$1.7B10.2%0.74%vs

Deposit insurance

Is my money safe at 1st Summit Bank?

Yes. 1st Summit Bank is an FDIC-insured institution (FDIC certificate #8426). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 29.8% of deposits ($351.6M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 8.61%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.54% (benchmark: 10%).

Check how much of your own balance is covered

17 locations

Branches

1st Summit Bank lists 17 offices in 12 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, 1st Summit Bank reported 469 home-loan applications under HMDA (LEI 5493009HFRW3TN5NRR78): 332 originated ($69,460,000 total), 83 denied, and 53 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
1st Summit Bank
Former names
Summit Bank; Salix State Bank
Type
State-chartered bank
FDIC certificate #
8426
RSSD ID
526519
Primary regulator
FDIC
Holding company
1st Summit Bcorp Johnstown Inc
Established
January 1, 1924
Headquarters
125 Donald Ln, Johnstown, PA 15904
Employees
196

Quick answers

1st Summit Bank: common questions

Is 1st Summit Bank FDIC insured?

Yes. 1st Summit Bank is an FDIC-insured institution (FDIC certificate #8426). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is 1st Summit Bank's TellerScore?

60 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has 1st Summit Bank ever failed?

There is no failure record for FDIC certificate #8426 in the FDIC failed bank list.

How many branches does 1st Summit Bank have?

17 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Johnstown

InstitutionScoreAssetsCapitalProblem loansCompare
C-B-W Schools Federal Credit UnionCredit union Sidman, PA91 out of 100, Very strong$131.8M29.8%0.33%vs
A.B. Federal Credit UnionCredit union Duncansville, PA91 out of 100, Very strong$10.5M14.8%0.08%vs
G.A.P. Federal Credit UnionCredit union Johnstown, PA87 out of 100, Very strong$79.0M13.7%0.74%vs
Commercial Bank and Trust of PABank Latrobe, PA86 out of 100, Very strong$357.5M14.7%0.14%vs
Franklin Johnstown Federal Credit UnionCredit union Johnstown, PA79 out of 100, Strong$37.3M13.7%0.42%vs
Ussco Johnstown Federal Credit UnionCredit union Johnstown, PA78 out of 100, Strong$173.7M12.5%0.37%vs