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1St Summit Bank
Johnstown, PA · FDIC Certificate #8426 · Chartered 01/0
Total assets
$1.52B
Total deposits
$1.18B
Total equity
$110.55M
Net loans
$910.07M
Branches (offices)
17
Net income (YTD)
$4.99M
Rank: #735 of 4,213 U.S. banks by assets · #34 of 109 in Pennsylvania. Assets changed 5.7% and deposits -0.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.66% |
| Return on equity | 9.19% |
| Net interest margin (YTD) | 2.55% |
| Equity to assets | 7.27% |
| Tier 1 leverage ratio | 8.61% |
| Uninsured deposits (share of deposits) | 29.8% |
| Noncurrent loans (share of loans) | 0.44% |
| Net charge-offs (share of loans) | -0.01% |
| Loans to deposits | 77.3% |
| Real estate loans (share of loans) | 84.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $770.95M | 84.7% | |
| Commercial & industrial | $91.53M | 10.1% | |
| Consumer / individual | $13.49M | 1.5% | |
| Construction & development | $47.32M | 5.2% | |
| Agricultural | $525.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.33B | $1.16B | $6.11M | $93.79M |
| Jun 2023 | $1.35B | $1.15B | $3.07M | $94.77M |
| Jun 2024 | $1.36B | $1.20B | -$115.00K | $92.27M |
| Jun 2025 | $1.44B | $1.19B | $2.17M | $98.57M |
| Jun 2026 | $1.52B | $1.18B | $4.99M | $110.55M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $1.18B | 17 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.18B.
Similar-sized banks
Greenfield Savings Bank ($1.52B) · Deerwood Bank ($1.52B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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