# 1ST SUMMIT BANK
JOHNSTOWN, PA · FDIC certificate 8426 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $1.52B | |
| Deposits | $1.18B | |
| Loans and leases | $917.3M | |
| Total equity | $110.5M | |
| Loans / deposits | 77.27% (p27 of band) | 87.10% |
| Liquid assets / assets | 34.64% (p83 of band) | |
| Uninsured deposits / deposits | 29.85% (p47 of band) | 30.76% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 14.09% (p77 of band) | |
| FHLB advances / assets | 14.09% | |
| Tier 1 leverage | 8.61% (p7 of band) | 10.50% |
| Unrealized securities loss / equity | -41.10% (p4 of band) | -7.75% |
| AOCI / equity | -1.56% (p8 of band) | |
| ROA (annualized) | 0.66% (p13 of band) | 1.26% |
| Net interest margin | 2.55% (p6 of band) | 3.70% |
| Efficiency ratio | 74.72% (p87 of band) | |
| Noncurrent loans | 0.44% (p44 of band) | 0.51% |
| Net charge-offs (annualized) | -0.01% (p7 of band) | |
| Reserve coverage of noncurrent | 178.68% | |
| Real estate % of loans | 84% | |
| Construction % of loans | 42.81% (p45 of band) | |
| Auto loans | $5.8M (0.63% of loans; DQ 1.05%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -0.7% | |
| Employees | 196 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 0 |  |  |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 0 |  |  |
| 2014-12 | 0 |  |  |
| 2015-03 | 0 |  |  |
| 2015-06 | 0 |  |  |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 0 |  |  |
| 2017-09 | 0 |  |  |
| 2017-12 | 0 |  |  |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | capital falling |  |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | securities losses >30% of equity |  |
| 2022-06 | 2 | AOCI drag >20% of equity |  |
| 2022-09 | 3 | capital falling |  |
| 2022-12 | 2 |  | capital falling |
| 2023-03 | 2 | NIM <2.5% | AOCI drag >20% of equity |
| 2023-06 | 2 |  |  |
| 2023-09 | 4 | capital falling, expense ratio p90 |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 5 | losing money |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 4 |  | losing money |
| 2024-12 | 3 |  | capital falling |
| 2025-03 | 4 | charge-offs p90 |  |
| 2025-06 | 4 | capital falling | charge-offs p90 |
| 2025-09 | 4 |  |  |
| 2025-12 | 4 |  |  |
| 2026-03 | 2 |  | expense ratio p90, capital falling |
| 2026-06 | 1 |  | NIM <2.5% |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-28 [1st Summit Bank Names Joe Kelly President - pabusinesscentral.com](https://news.google.com/rss/articles/CBMijgFBVV95cUxOZ2pOdWxUTl9vR3FYaEhvSldmZ3FTRXpJNUlYOGJNdUZCLWx2blpfOFRvZU9XdnRWNXlUNi0xbk5zcWJRNnkza3N6TnNEcDU2cDQxMTdtZnZLdDh2RHVCcGpKT2dtbXBXZVdXX18zNmEtdkpnUmpvRmtZVG1ZQS1mRUx0YkI3N1lOdjlwbUZB?oc=5) · pabusinesscentral.com
- 2026-07-24 [1st Summit Bank promotes chief credit officer to president - The Business Journals](https://news.google.com/rss/articles/CBMijAFBVV95cUxOYTlELXV5ZG5JYUN5cHVQQllrZndlLXBsakxDQXZiT0hxeVhmSHVjVl83X2duMWtpeEFyUU5XOU5oQS1jRTN5ZlRzWlEyVmlJdk02SmZsci14SElXMUxLN3VsbDFSZWlaVE9uaTZXX1prVEFwa05UTlpxR2tpLVkwN2hLZUJiMWU0OExqLQ?oc=5) · The Business Journals
- 2026-05-26 [1st Summit Bank Launches ASCEND 250: The First Program in the United States to Build the Next Generation of Banking Leaders - Business Wire](https://news.google.com/rss/articles/CBMiiwJBVV95cUxQSTVzN0ZMaURkb0M2Um5GUmpkcDdFV0NyNTQxUEpyR244WkZxNXpPRUJTYjBZV2RsQjAtdzItcDRVaWJxUGRnaVQ0MGJINGV1VGZIM1hCeDZPZmlpU3lnVy1VMHdEQXJrSkRnb1E3UzRNQm83WmEzWE5EZkxZc3RzX25IUURPQTh1RjdreE5WWEFrcW5FcmR0eWcwdTJHRlc3eHJvVncxbkw1Yk8zWS0wNC1QdVVma0cxdjc5bG1GT3BVWnR0eWtrcmhWcl9FZDJ3LXpHSFQ2MzUwb0tuTjEyVE9ueTlNd1ljY1o4YXFaeEtMLVF6eEJ1eTdnVWZWeGZEVUZpUmIzanhkeVE?oc=5) · Business Wire
- 2026-06-18 [1st Summit Bank Review | Review, Fees, Offerings - SmartAsset](https://news.google.com/rss/articles/CBMifkFVX3lxTFBMYmpZbGxwMVpCTjhjdEhVLWNfN21POHVDeDZIUWNRbk1LZUJnS2NBcE02aGxMWUo5N3gwOVFQdWt2LUpnSS1XZnhQMExPTWhyS1JJZ0gwZnZ4M0FzREVNX1Q0dFR3WEZZU2NkbGNSU3JfUGNTRk9kS3IxUENMdw?oc=5) · SmartAsset
- 2025-12-18 [1st Summit Bank unveils new location focusing on wealth management, commercial lending - WJAC](https://news.google.com/rss/articles/CBMitgFBVV95cUxQcW1qR1VaMjNOTDFzWW9VbVNTeXNUSlFyZWowaDBiWDJ4T25ES0lmTk1zX2ppM21jZHVtNFFfQjIxMVFjdkp1OVRFaC15SkhYR0QtX3I0MUNuemRiM3ZRNEVyeUNBTnBCZFRjbmZLa2pDLVpNY3k4Ykx2Y1laSnQ2bldiYjFsanhjT2hYdlZHaWJsNWNZZUMxRThPa0trMFk4bHRUMS1uTVRuVTl2VlhkZDF2UHJnQQ?oc=5) · WJAC
- 2026-07-09 [Cambria City Ethnic Festival announces 1st Summit Bank sponsorship, unveils new logo - The Tribune-Democrat](https://news.google.com/rss/articles/CBMigwJBVV95cUxNWlFiYk9oRTVOTExmc2JSdGtVWlRPSHhJOF9yelRiYmlPNFlSSUdhY0FOTGJVSlg1ZncyRWNrSjBielVPQzdVMk9LOF9oTFdpZ2JabjZlVWxKakNiZmVfSjJWR0swR1g5T3J4c0Ria1ZUZU9uMzdBdzdaTHROMGkzX2dnYzNuNHZlTzQyOERxYlpzNFVDOFNQVi1ScURhNDR5UklRTU9mSzUyRmxJMnpqZ3ZKQm1Jb2VMRldmczVCX1lMS2tWa3gzYTFNZmR2NmRrRzRIVEd3M0RoN0dJTXA2VGZPQzF4aGdJaGJaeUxZNTZUc1pCSGpvcXBoc255UUhtNFN3?oc=5) · The Tribune-Democrat
- 2026-04-16 [1st Summit Bancorp of Johnstown Announces First Quarter 2026 Results - Business Wire](https://news.google.com/rss/articles/CBMiwwFBVV95cUxQTmZQcGFBU0FRY0hnS2NjN19FVkpUcTdGSDlZZVF3QlhxOElrT0lnWnRaRl9mbTVtdGJmUVdLMjVGVk5hbjRHVmJ5Y1lGS01ZbkhKRDZjdVVmS3ItajN5SUIzdG1GOTdTMU9vcUtPOXJxejlQV1Z5cTBwRmpxY1ZmaFM0X3hsNXUwd1ZxUmRTZ2JCNEFtMC1UakNKSFMxTUZTSktUV190YVpaZVRpYVJYWF96REwwV1FQSWRnWTFkaGtxLWs?oc=5) · Business Wire
- 2025-12-18 [1st Summit Bank buys landmark Crown American building in Johnstown, plans to move in - The Business Journals](https://news.google.com/rss/articles/CBMikwFBVV95cUxNM2J6NTBCbVNMNl9sdnlFa3NuVk03THByTmYtd0R3MHhIZnpiWEhUVG5aSUlJSHdKSzZNRDk1d2FhVC1oRTBQelFaTkt6alBweE5TaDB4aGY1TnIxYVgyQVV5OUg3NHhYN281Y1BzSC0tc0FiM2h5VlFoT05LNkFhNkRVajlZaXNscndlYThUYlpkaVk?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=8426 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/42.json (key "8426", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide