1st Summit Bank (FDIC #8426): Bank Stress & Real-Estate Credit Exposure
1st Summit Bank (FDIC Cert #8426): bank stress 87/100, severe, STABLE over 7 days; parent 1ST SUMMIT BCORP JOHNSTOWN INC.
1st Summit Bank (#8426) lends in 5 counties across 1 state; 1st Summit Bank (#8426) reaches 236 ZIP codes: Pennsylvania 5 counties, 236 ZIPs.
1st Summit Bank (#8426) largest markets: Westmoreland County, PA (267 branches, 89 ZIPs) (#8426), Indiana County, PA (53 branches, 53 ZIPs) (#8426), Cambria County, PA (520 branches, 52 ZIPs) (#8426), Somerset County, PA (41 branches, 41 ZIPs) (#8426), Blair County, PA (40 branches, 20 ZIPs) (#8426).
1st Summit Bank (#8426) reports $1.52 billion in total assets; 1st Summit Bank (#8426) equity $110.5 million (7.3% of 1st Summit Bank (#8426) assets); 1st Summit Bank (#8426) domestic deposits $1.18 billion; 1st Summit Bank (#8426) net income $5.0 million; 1st Summit Bank (#8426) return on assets 0.66%; 1st Summit Bank (#8426) return on equity 9.19%; 1st Summit Bank (#8426) net interest income $18.1 million; 1st Summit Bank (#8426) call report June 30, 2026.
1st Summit Bank (#8426) noncurrent real-estate loans: none reported; 1st Summit Bank (#8426) residential -0.07%; 1st Summit Bank (#8426) net charge-offs on real estate 0.42%; 1st Summit Bank (#8426) residential charge-offs 0.92%.
1st Summit Bank (#8426) net interest margin 2.55% against an eight-quarter 1st Summit Bank (#8426) average of 2.14% (1st Summit Bank (#8426) compression -0.41 points); 1st Summit Bank (#8426) non-residential real estate 92.0% of equity; 1st Summit Bank (#8426) rate-exposure score 40/100, 1st Summit Bank (#8426) fixed-rate trap 40/100; 1st Summit Bank (#8426) risk type credit driven; 1st Summit Bank (#8426) rate regime rates elevated, 1st Summit Bank (#8426) snapshot October 19, 2026.
1st Summit Bank (#8426) stress score moved from 86.8 on June 22, 2026 to 86.9 on October 20, 2026; 1st Summit Bank (#8426) ranged 86.8 to 86.9 over 117 snapshots.
1st Summit Bank (#8426) alerts: 5 counties; top 1st Summit Bank (#8426) alert scores: Somerset County, PA 55 (elevated); Indiana County, PA 43 (moderate); Altoona County, PA 28 (low); Murrysville County, PA 28 (low); Sidman County, PA 28 (low).