Side-by-side · Q2 2026 data
1st Summit Bank vs Embassy Bank for the Lehigh Valley
Metric by metric
| Measure | 1st Summit Bank | Embassy Bank for the Lehigh Valley |
|---|---|---|
| TellerScore | 60 | 66 (stronger) |
| Capital cushion | 36 | 38 (stronger) |
| Loan quality | 85 | 98 (stronger) |
| Earnings | 46 | 56 (stronger) |
| Funding & liquidity | 66 (stronger) | 62 |
| Problem-loan coverage | 93 | 99 (stronger) |
| Peer percentile | 21st | 40th |
| Total assets | $1.5B | $1.9B |
| Deposits / shares | $1.2B | $1.7B |
| Capital ratio | 8.61% | 8.83% (stronger) |
| Problem loans | 0.44% | 0.05% (stronger) |
| Net charge-offs | -0.01% (stronger) | 0.00% |
| Return on assets | 0.66% | 0.89% (stronger) |
| Loans ÷ deposits | 77.3% | 77.0% (stronger) |
| Uninsured deposits | 29.8% (stronger) | 34.5% |
| Offices | 17 | 10 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 20.0% | 16.4% |
Embassy Bank for the Lehigh Valley has the higher TellerScore (66 vs 60). On the 7 directional measures above (where higher or lower is clearly better), 1st Summit Bank leads on 2 and Embassy Bank for the Lehigh Valley on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.