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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 8426 · PA C · 62/100

GRADE-C · LOWER-Q · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL

  • GRADE-C C (62/100)
  • LOWER-Q #3618/4307
  • PHOTO-FINISH O'Bannon Banking Com… · MO
  • TIER1-WELL 13.8% Tier 1
  • TEXAS-CLEAN 3.7% Texas
  • ROA-THIN 0.40% ROA
  • SIZE-REGIONAL $1–10B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Pennsylvania: O'Bannon Banking Company, MO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around 1st Summit Bank

Lowest and highest poles plus nearest scored peers outside Pennsylvania, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/1001st Summit Bank · PA · this …62/100Alton Bank · MO · near62/100First State Bank · NE · near62/100I3 Bank · NE · near62/100O'Bannon Banking Com… · MO ·…62/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around 1st Summit Bank · July 2026

Call Report read for 1st Summit Bank in a high-failure state

1st Summit Bank (FDIC Cert #8426) carries a PlainBankData health grade of C at 62/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #3,618 of 4,307. Tier 1 capital prints at 13.80%, clearing the 10% well-capitalized line. The Texas Ratio is 3.69%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.40%. Balance-sheet scale is $1.5B, 746th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is O'Bannon Banking Company (MO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around 1st Summit Bank

11 FAILURE resolutions in Pennsylvania since 2000, heavy vs the state corpus

1st Summit Bank sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2024). The list below is state history from the Failed Bank List, not a claim about 1st Summit Bank's current Call Report.

  • REPUBLIC BANK PHILADELPHIA, PA 2024 → FULTON BANK, NATIONAL ASSOCIATION
  • FIRST CORNERSTONE BANK KING OF PRUSSIA, PA 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • VANTAGE POINT BANK HORSHAM, PA 2014 → FIRST CHOICE BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Pennsylvania banks.

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.

0/100100/100National avg77/10062/100
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 Assets

$1.5B

Total balance-sheet footings

Total Deposits

$1.2B

Customer-funded liabilities

Net Loans

$874M

Outstanding loan book

Net Income

$6M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 12.4% 13.8% 15.2%
Basel III capital ratios - 1st Summit Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

62 16th percentile higher than 16% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. 1st Summit Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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.

Capital & credit buffers at 1st Summit Bank

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

What these ratios mean →

Profitability metrics: 1st Summit Bank

Return on Assets (ROA)
12th percentile nationally
0.40%
Return on Equity (ROE)
5.74%
Efficiency Ratio
82.74%

What these mean →

Income & expense at 1st Summit Bank

$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.

FDIC Failed Bank List → View 1st Summit Bank on FDIC BankFind →

Top banks in Pennsylvania by total assets

Largest banks headquartered in Pennsylvania
  1. 1
    First National Bank of Pennsylvania $50.0B

    Greenville, PA · Grade A

  2. 2
    Fulton Bank $32.0B

    Lancaster, PA · Grade A

  3. 3
    BNY Mellon $31.3B

    Pittsburgh, PA · Grade B

  4. 4
    Customers Bank $24.9B

    Malvern, PA · Grade A

  5. 5
    TriState Capital Bank $23.3B

    Pittsburgh, PA · Grade A

Top 5 banks in Pennsylvania ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($1.5B here), outside Pennsylvania so the neighborhood is not state containment.

The Citizens Bank of Philadelphia, Mi… $1.5B · MS American State Bank $1.5B · IA Riverview Bank $1.5B · WA CorTrust Bank $1.5B · SD

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.

1st Summit Bank Call Report profile · FDIC Failed Bank List · Pennsylvania FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Pennsylvania

All Pennsylvania banks →
BankAssetsGradeROA
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%