Compared with Pennsylvania
12 of 20
compared fees are above the median.
5 below, 3 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
86th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Pennsylvania median
of 20 compared; 5 below, 3 about the same
See the feesFee schedule read Mar 11, 2026
Call-report figures are for 1st Summit Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Pennsylvania median | Published fees above the Pennsylvania median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | 1st Summit Bank's published fee schedule; Bank Fee Index medians | Current schedule | Mar 11, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 4.5% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (86th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $524K in Q2 2026, 4.4% above the same quarter a year earlier ($502K).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
12 of 20 compared published fees sit above the Pennsylvania median; 5 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Pennsylvania medians for fees published by banks and credit unions.
Non-Network ATM
Monthly Maintenance
Stop Payment
Each amount links to the fee schedule it was read from. Medians for Pennsylvania, the Philadelphia district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income fell 1.3% from Q3 2025 to Q2 2026, to $524K. Its share of revenue, 4.5%, is above the 2.2% median for banks with $1B to $10B in assets.
$524K
1st Summit BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
1st Summit Bank · $1.5B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| 1st Summit Bank(this institution) | Johnstown, PA | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| American Heritage Bank | Sapulpa, OK | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Ameriserv Financial Bank | Johnstown, PA | $1.5B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Central Bank Illinois | Geneseo, IL | $1.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Citizens Bank and Trust | Frostproof, FL | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| CorTrust Bank National Association | Mitchell, SD | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Dieterich Bank | Effingham, IL | $1.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Elkhorn Valley Bank & Trust | Norfolk, NE | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First Bank Richmond | Richmond, IN | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| First National Bank of Pulaski | Pulaski, TN | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| First State Bank | Mendota, IL | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Greenfield Savings Bank | Greenfield, MA | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Main Street Bank Corp. | Wooster, OH | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Newburyport Five Cents Savings Bank | Newburyport, MA | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| North State Bank | Raleigh, NC | $1.5B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Northfield Savings Bank | Northfield, VT | $1.6B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Pathfinder Bank | Oswego, NY | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Peoples State Bank | Wausau, WI | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Providence Bank | Rocky Mount, NC | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Rhinebeck Bank | Rhinebeck, NY | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Saco & Biddeford Savings Institution | Saco, ME | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| The Citizens Bank of Philadelphia, Mississippi | Philadelphia, MS | $1.6B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| The Moody National Bank | Galveston, TX | $1.5B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Union Bank | Morrisville, VT | $1.6B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Union County Savings Bank | Elizabeth, NJ | $1.5B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| United Bank | Atmore, AL | $1.5B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 19 publish this fee(monthly maintenance)
6 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $2, against a peer median of $7 among 19 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Oct 26, 2026. Total assets from FDIC and NCUA records.
Call reports for 1st Summit Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $524K | +$10K | +1.9% |
| Q1 2026 | $514K | +$12K | +2.4% |
| Q4 2025 | $502K | −$29K | −5.5% |
| Q3 2025 | $531K | +$29K | +5.8% |
| Q2 2025 | $502K | −$27K | −5.1% |
| Q1 2025 | $529K | +$2K | +0.4% |
| Q4 2024 | $527K | +$8K | +1.5% |
| Q3 2024 | $519K | −$2K | −0.4% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, 1st Summit Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to 1st Summit Bank by share.
Amounts from 1st Summit Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Monthly Maintenance | $2Below the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Early Close-out Deposit Account | $25Inside the U.S. middle 50% ($10 to $25 nationally) | Not stated | None |
| Dormant Account/Inactivity Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Escheat Account Processing | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Paper Statement | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Returned Mail (statements) | $5Inside the U.S. middle 50% ($5 to $7.50 nationally) | Not stated | None |
ATM & Card | |||
| Non 1ST SUMMIT ATM use | $3Above the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card Reissue or Replacement | $6Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Expedited Debit Card Delivery | $35Inside the U.S. middle 50% ($30 to $50 nationally) | per item | None |
| Debit Card International Transaction Fee (audience not stated, treated as personal) | 1%of the transaction | Not stated | None |
Check Services | |||
| Treasurer’s Check | $6Inside the U.S. middle 50% ($3 to $6 nationally) | Not stated | None |
| Money Orders (up to $500) | $5Above the U.S. middle 50% ($2 to $3 nationally) | Not stated | None |
| Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Counter Checks | $1Inside the U.S. middle 50% ($1 to $4 nationally) | Not stated | None |
Digital & Electronic | |||
| Online Bill Pay | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Zelle® Person to Person Payments | No chargeInside the U.S. middle 50% ($0 to $6 nationally) | Not stated | None |
| Mobile Deposit | No chargeInside the U.S. middle 50% ($0 to $0 nationally) | Not stated | None |
Cash & Deposit | |||
| Deposited Item Return | $10Inside the U.S. middle 50% ($8.81 to $25 nationally) | Not stated | None |
Account Services | |||
| Notary Service (per document) | $4Inside the U.S. middle 50% ($0 to $5 nationally) | per item | None |
| Key Replacement | $25Not compared: Box drilling or key fee | Not stated | None |
| Garnishments | $250Above the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
| IRS Levies / Domestic Relations Freezes | $75Inside the U.S. middle 50% ($30 to $85 nationally) | Not stated | None |
Retirement & IRA | |||
| IRA Transfer Fee | $50Above the U.S. middle 50% ($25 to $35 nationally) | per item | None |
Gift & Prepaid Cards | |||
| Gift Card | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
| Prepaid Card | $5Above the U.S. middle 50% ($3 to $4.95 nationally) | Not stated | None |
Other Fees | |||
| Interim Statement Request (audience not stated, treated as personal) | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Photocopies (per page) | $1Not compared: Charged per page; comparison unavailable | per page | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Mar 11, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where 1st Summit Bank operates, and what regulators and customers have on file.
Branch footprint
17 offices in 1 state, $1.2B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 10 | $895.5M | |
| Outside a metro area | 2 | $112.4M |
| 2 | $85.4M | |
| 3 | $84.6M |
Johnstown, PA
22.1% of bank deposits, #1 of 13, down 0.5 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| Ameriserv Financial Bank | 21% |
| First National Bank of Pennsylvania | 20.7% |
| First Commonwealth Bank | 10.6% |
| Somerset Trust Company | 6.6% |
| S&T Bank | 5.6% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Johnstown, PA, 1st Summit Bank holds 22.1% of bank deposits, #1 of 13, with 10 offices.
77 offices of 22 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 13 institutions shown. $4.1B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 22.1% share, 10 offices, #1 of 13
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
19 offices of 9 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.