🏦Bank Scorer

1ST SUMMIT BANK

JOHNSTOWN, PA · Supervised by FDIC

Est. 1924FDIC #8,426RSSD: FDIC-8426
Part of1ST SUMMIT BCORP JOHNSTOWN INC→ View all charters
Satisfactory Same

Current rating · Exam: January 2024

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.63%

Institution Profile

FDIC BankFind

Address

125 Donald Ln, JOHNSTOWN, PA

County

Cambria County

Established

January 1, 1924

Total Assets

$1.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2024

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2028(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$1.5B

Total Deposits

$1.2B

Net Loans

$892M

Net Income

$2M

ROA

0.63%

ROE

8.83%

Risk-Based Capital

14.49%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

Mortgage Denial Rate19.95%Peer avg: 9.91%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

17

Branch Deposits

$1.2B

1-Year Change

-1

5-year net change: +1 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202444169.16%19.95%
202358774.45%17.04%
202281877.26%11.61%
202178186.94%4.99%
202055787.97%3.41%
201943188.4%1.62%
201846483.41%6.68%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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