Is 1st Summit Bank Safe?
1st Summit Bank has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (15/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 15.16% | 100/100 |
| Nonperforming Loan Ratio | 0.60% | 88/100 |
| Liquidity Ratio | 38.81% | 100/100 |
| Return on Assets | -0.13% | 15/100 |
| Total Assets | $1.4B | |
How does 1st Summit Bank compare?
With a Bank Health Score of 88/100, 1st Summit Bank sits 18.0 points above the national average of 70/100 for FDIC-insured banks. Within Pennsylvania, where 119 FDIC-insured banks are headquartered, 1st Summit Bank ranks above the state average of 70/100 (Grade B).
The bank's Tier 1 capital ratio of 15.16% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.60% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, 1st Summit Bank's Bank Health Score improved by 1.0 points to 88/100. Tier 1 capital weakened by 0.28 percentage points to 15.16%. Quarter-over-quarter, the score rose by 2.0 points.
1st Summit Bank has a Bank Health Score of 88/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (15/100).