1st Summit Bank
Johnstown, PA
IDRSSD: 526519
Total Assets
$1.48B
Latest filing
Total Deposits
$1.20B
Latest filing
Net Interest Margin
2.37%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
1st Summit Bank
125 Donald Ln
Johnstown, PA 15904
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1924FDIC Certificate 5363
Branches (16)
Page 1 of 3| Name | Address | City / State |
|---|---|---|
| 1st Summit Bank (Main) | 125 Donald Ln | Johnstown, PA |
| SIDMAN BRANCH | 367 Locust St | Sidman, PA |
| SALIX BRANCH | 1148 Forest Hills Dr | Salix, PA |
| DOWNTOWN BRANCH | 600 Main St | Johnstown, PA |
| PORTAGE BRANCH | 924 Main St | Portage, PA |
| WESTMONT BRANCH | 1560 Menoher Blvd | Johnstown, PA |
| CRESSON BRANCH | 7538 Admiral Peary Hwy | Cresson, PA |
| PARK HILL BRANCH | 454 Parkhill Dr | Johnstown, PA |
Showing 7 of 16
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1924 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 15904 |
| State and County Number | 42021 |
| Subchapter S Corporations | No |
| Trust Powers | Limited Trust Powers Granted |
| Federal Reserve ID Number | 03 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Johnstown, PA |
Operational Info
| Number of Employees | 204 |
| Domestic Offices | 17 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.1stsummit.bank |
| Data Updated | 11/14/2025 |
| CERT | 8426 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.48B |
| Total Deposits | $1.20B |
| Total Liabilities | $1.37B |
| Total Equity Capital | $106.05M |
| Net Income | $1.80M |
| Net Loans and Leases | $844.58M |
| Assets Per Employee ($Millions) | $7.34M |
| Bank Premises and Fixed Assets | $19.51M |
| Cash and Balances due from Depository Institutions | $16.49M |
| Deposits Held in Domestic Offices | $1.20B |
Key Performance Ratios
| Return on Assets (ROA) | 0.49% |
| Return on Equity (ROE) | 7.03% |
| Net Interest Margin | 2.37% |
| Efficiency Ratio | 78.5% |
| Tier 1 Risk-Based Capital Ratio | 14.203% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.186% |
| Earning Assets to total Assets | 94.35% |
Income and Expense
| Total Interest Income | $16.11M |
| Total Noninterest Income | $1.93M |
| Total Interest Expense | $7.97M |
| Total Noninterest Expense | $7.90M |
| Net Interest Income | $8.14M |
| Pre-tax Net Operating Income | $1.91M |
| Provision for Credit Losses | $250.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $289.00k |
| Other borrowed funds | $151.33M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $19.81M |
| Total Liabilities and Capital | $1.48B |
Securities
| Securities | $541.50M |
| Available-for-sale debt securities | $340.49M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $200.56M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of 1st Summit Bank?
$1.48B as of the latest filing.
How much are 1st Summit Bank's total deposits?
$1.20B in total deposits.
Where is 1st Summit Bank located?
Johnstown, PA.
What is the Net Interest Margin?
2.37%.
How many domestic offices does it operate?
17.
When was it established?
01/01/1924.
What is the Return on Assets (ROA)?
0.49%.
How much are total loans and leases?
$844.58M (latest filing).
What is the total interest income (latest filing)?
$16.11M.