What is 1st Summit Bank's financial health grade?

1st Summit Bank has a TFS Financial Health Grade of D+ (score: 67.8/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does 1st Summit Bank have?

1st Summit Bank has 17 branch locations across the United States.

Is 1st Summit Bank FDIC insured?

Yes, 1st Summit Bank is FDIC insured (Certificate #8426).

What are the total assets of 1st Summit Bank?

1st Summit Bank has total assets of $1.5B as reported in its most recent FDIC filing.

1st Summit Bank

BankJohnstown, Pennsylvania

www.1stsummit.bank

Total Assets

$1.5B

Total Deposits

$1.2B

Branches

Established

1924

TFS Health Grade

D+

67.8 / 100

Below average financial health

How we grade

1st Summit Bank is a bank headquartered in Johnstown, Pennsylvania, established in 1924. With $1.5B in total assets and 17 branch locations, it has a TFS Financial Health Grade of D+ (67.8/100).

Capital & Safety

Tier 1 Capital Ratio

8.45%(8%)

Total Capital Ratio

14.57%(10%)

Non-Performing Loan Ratio

0.48%

Profitability

Return on Assets (ROA)

0.40%(1%)

Return on Equity (ROE)

5.74%(10%)

Net Interest Margin

2.26%

Efficiency Ratio

82.74%(60%)

Lending & Liquidity

Total Loans

$881.3M

Loan-to-Deposit Ratio

72.54%

Net Charge-Off Ratio

0.14%

Growth

Asset Growth (YoY)

+7.26%

Deposit Growth (YoY)

-0.17%

Net Income

$5.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
1st Summit BankHQ	125 Donald Ln	Johnstown	PA	11
1st Summit Bank	5812 6th Avenue	Altoona	PA	11
1st Summit Bank	2600 Plank Road Cmns	Altoona	PA	11
1st Summit Bank	7538 Admiral Peary Hwy	Cresson	PA	11
1st Summit Bank	512 W High St	Ebensburg	PA	11
1st Summit Bank	5150 Us - Route 30	Greensburg	PA	11
1st Summit Bank	1825 Oakland Ave	Indiana	PA	11
1st Summit Bank	454 Parkhill Dr	Johnstown	PA	11
1st Summit Bank	600 Main St	Johnstown	PA	11
1st Summit Bank	200 Town Centre Dr	Johnstown	PA	11
1st Summit Bank	1560 Menoher Blvd	Johnstown	PA	11
1st Summit Bank	332 Unity Plz	Latrobe	PA	11
1st Summit Bank	4510 William Penn Hwy	Murrysville	PA	11
1st Summit Bank	924 Main St	Portage	PA	11
1st Summit Bank	1148 Forest Hills Dr	Salix	PA	11
1st Summit Bank	367 Locust St	Sidman	PA	11
1st Summit Bank	404 N Center Ave	Somerset	PA	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.