Total Assets
$1.5B
Total balance-sheet footings
FDIC Cert #8426 · Johnstown, Pennsylvania · Est. 1924
1st Summit Bank - FDIC Bank Health Profile
A community-scale look at 1st Summit Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $1.5B
- Total assets
- C
- Health grade · Fair
- 0.40%
- Return on assets
- 13.8%
- Tier 1 capital
Data updated July 2026
The verdict
1st Summit Bank earns a PlainBankData health grade of C (62/100), with well-capitalized at 13.80% Tier 1, 0.40% ROA, 83% efficiency ratio.
- #746
- largest of 4,313 FDIC banks by assets
- 83rd
- percentile by asset size, nationally
- 13.80%
- Tier 1 ratio - above the 10% well-capitalized line
- 12th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How 1st Summit Bank's 62/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
1st Summit Bank's composite health score
Tier 1 Capital Ratio (13.80%) 35/40
Return on Assets (ROA) (0.40%) 7/25
Texas Ratio (3.69%) 20/20
Efficiency Ratio (82.74%) 0/15
62 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$1.2B
Customer-funded liabilities
Net Loans
$874M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where 1st Summit Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. 1st Summit Bank's score of 62/100 falls in the highlighted band.
1st Summit Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). 1st Summit Bank's $1.5B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
13.80% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.80%
Texas Ratio
3.69%
Equity Capital
$109M
Profitability metrics
Return on Assets (ROA)
12th percentile nationally
0.40%
Return on Equity (ROE)
5.74%
Efficiency Ratio
82.74%
What the numbers say about 1st Summit Bank
1st Summit Bank is an FDIC-insured institution (Certificate #8426) headquartered in Johnstown, Pennsylvania, established in 1924. It holds $1.5B in total assets - 746th of 4,313 FDIC-insured banks, $1.2B in customer deposits, and $874M in net loans. Capital-wise, the Tier 1 ratio sits at 13.80%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 3.69%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of C (62 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
1st Summit Bank sits 35th of 112 banks headquartered in Pennsylvania by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$62M
Interest Income
$8M
Non-Interest Income
$32M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. 1st Summit Bank reports a Texas Ratio of 3.69% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
3.69% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Pennsylvania by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) 1st Summit Bank (FDIC Cert #8426) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of PennsylvaniaGreenville | $50.0B | A | 1.29% |
| Fulton Bank, National AssociationLancaster | $32.0B | A | 1.33% |
| BNY Mellon, National AssociationPittsburgh | $31.3B | B | 0.94% |
| Customers BankMalvern | $24.9B | A | 1.01% |
| TriState Capital BankPittsburgh | $23.3B | A | 0.78% |
| Northwest BankWarren | $16.8B | B | 0.92% |
| Dollar Bank, Federal Savings BankPittsburgh | $12.5B | B | 0.53% |
| First Commonwealth BankIndiana | $12.3B | B | 1.33% |
Frequently asked questions
What is 1st Summit Bank's health grade?▼
1st Summit Bank receives a health grade of C (62/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is 1st Summit Bank?▼
1st Summit Bank holds $1.5B in total assets and $1.2B in deposits, ranking 746th of 4,313 FDIC-insured banks by asset size. It is headquartered in Johnstown, Pennsylvania.
Is my money safe at 1st Summit Bank?▼
Yes, deposits at 1st Summit Bank (Certificate #8426) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is 1st Summit Bank's Tier 1 Capital Ratio?▼
1st Summit Bank has a Tier 1 Capital Ratio of 13.80%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for 1st Summit Bank?▼
1st Summit Bank has a Texas Ratio of 3.69%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is 1st Summit Bank?▼
1st Summit Bank has an Efficiency Ratio of 82.74%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read 1st Summit Bank's profile as a depositor or analyst.
- 1st Summit Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare 1st Summit Bank against other Pennsylvania banks before moving funds. Pennsylvania banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.