BlastPoint's Banking Scorecard
1st Summit Bank
Community
Specialty: Commercial
PA
FDIC cert 8426
Johnstown, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
1st Summit Bank faces 3 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 38% in Community
- - Return on Assets 0.77% below tier
- - Net Interest Margin 1.40% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$1.5B
+7.3% YoY
+2.5% QoQ
|
+$120.5M |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
70% |
| Total Loans ? |
$874.5M
+12.7% YoY
+3.5% QoQ
|
-$101.0M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
62% |
| Total Deposits ? |
$1.2B
-0.2% YoY
+0.6% QoQ
|
+$40.8M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
68% |
| Return on Assets ? |
0.40%
+51.2% YoY
+8.0% QoQ
|
-0.77% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
2.26%
+28.2% YoY
+2.3% QoQ
|
-1.40% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
Bottom 3% in tier |
| Efficiency Ratio ? |
82.74%
-7.7% YoY
-2.1% QoQ
|
+20.11% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 8% in tier |
| Delinquency Rate ? |
0.49%
-9.7% YoY
-1.4% QoQ
|
-0.14% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
72.54%
+12.9% YoY
+2.9% QoQ
|
-10.52% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
76% |
| Non-Interest-Bearing Deposit Share ? |
10.44%
+3.9% YoY
+3.0% QoQ
|
-10.61% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
0.30%
-10.0% YoY
-2.2% QoQ
|
-0.20% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
55% |
| Tier 1 Capital Ratio ? |
13.80%
-7.5% YoY
-2.9% QoQ
|
+3.55% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.52%
-39.5% YoY
+31.1% QoQ
|
-0.22% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (3)
Efficiency Drag
risk
#58 of 152 · Bottom 38% in Community
Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.
Why this signature
Efficiency Ratio:
82.74%
(Tier: 62.63%, National: 65.09%)
152 of 152 Community banks match
·
163 nationally
→ Stable
-9 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Bottom 8%
in Community
Why this stands out
Current:
0.40%
(Tier avg: 1.16%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 3%
in Community
Why this stands out
Current:
2.26%
(Tier avg: 3.66%, National avg: 3.75%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
76
76th pctile
Loan-to-Deposit Ratio
Current: 72.54% · Tier avg: 83.06%
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
66
66th pctile
Tier 1 Capital Ratio
Current: 13.80% · Tier avg: 10.24%
62
62th pctile
Total Loans
Current: $874.5M · Tier avg: $975.5M
55
55th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
50
50th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
47
47th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.44% · Tier avg: 21.05%
8
8th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.16%
8
8th pctile
Efficiency Ratio
Current: 82.74% · Tier avg: 62.63%
3
3th pctile
Net Interest Margin
Current: 2.26% · Tier avg: 3.66%
Top Weaknesses
3
3th pctile
Net Interest Margin
Current: 2.26% · Tier avg: 3.66%
8
8th pctile
Efficiency Ratio
Current: 82.74% · Tier avg: 62.63%
8
8th pctile
Return on Assets
Current: 0.40% · Tier avg: 1.16%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 10.44% · Tier avg: 21.05%
47
47th pctile
Delinquency Rate
Current: 0.49% · Tier avg: 0.63%
50
50th pctile
Non-Interest Income / Assets
Current: 0.52% · Tier avg: 0.74%
55
55th pctile
Nonperforming Asset Ratio
Current: 0.30% · Tier avg: 0.50%
62
62th pctile
Total Loans
Current: $874.5M · Tier avg: $975.5M
66
66th pctile
Tier 1 Capital Ratio
Current: 13.80% · Tier avg: 10.24%
68
68th pctile
Total Deposits
Current: $1.2B · Tier avg: $1.2B
70
70th pctile
Total Assets
Current: $1.5B · Tier avg: $1.4B
76
76th pctile
Loan-to-Deposit Ratio
Current: 72.54% · Tier avg: 83.06%