1st Summit Bank: Bank Stress & Real-Estate Credit Exposure

DLRadar scores 1st Summit Bank (FDIC Cert #8426) at 87/100 for bank stress — a severe level of financial pressure. The score is derived deterministically from the bank's public FDIC call-report financials — asset quality, capital adequacy, earnings and real-estate loan concentration — then weighted by where it actually lends.

The combination of a severe reading and a compact footprint is what makes 1st Summit Bank worth watching as a supply signal. The recent trend is stable. Momentum matters as much as the level — a rising score means the lenders behind a market are tightening, and financing tends to seize up before distress reaches listings. The value is in the linkage: 1st Summit Bank's severe reading is mapped onto 236 ZIP codes and 5 counties where DLRadar independently tracks foreclosures, tax liens and ownership turnover, so credit pressure and physical distress line up on one timeline. Because 1st Summit Bank is rescored on each quarterly FDIC filing and graded on the identical model applied to every U.S. bank, its 87/100 reading stays current and directly comparable — a like-for-like number across 1 state and against any other institution. 1st Summit Bank runs a compact, single-state real-estate lending footprint — 5 U.S. counties across 1 state, spanning 236 ZIP codes. Its heaviest exposure sits in Pennsylvania (5 counties). At the county level, 1st Summit Bank finances markets like Westmoreland County, PA, Indiana County, PA, Cambria County, PA, Somerset County, PA — the specific places where its credit posture translates into local lending capacity. 1st Summit Bank's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. 1st Summit Bank is held under 1st Summit Bcorp Johnstown Inc, so its disclosures are public and its stress trajectory is externally verifiable.

The acquisition angle is simple — lending capacity is what moves deals. As 1st Summit Bank tightens across its markets, refinances fail, builders lose credit, and over-levered owners are pushed toward default and forced exit. Watching lender stress is therefore an upstream, leading signal of where distressed inventory surfaces next.

Across the country DLRadar applies the identical model to every FDIC bank, then ties each institution to parcel-level foreclosure, lien and ownership data where it lends. That lets you move ahead of the market, with each number sourced from public federal filings.