1st Summit Bank

1st Summit Bank overview

1st Summit Bank is listed in the LoanCompanies.com directory as FDIC-insured bank. Our current record places its headquarters in Johnstown, PA. The institution is associated with FDIC certificate 8426. This profile is designed as a research page, not an endorsement. It brings together public regulatory information, branch data, company-supplied facts when available, and independently maintained directory information so that a visitor can understand what the institution is, where it operates, and which details still need confirmation before using a financial product.

The most important distinction on this page is between verified institutional facts and product terms. Institutional facts such as an FDIC certificate number, headquarters address, office location, regulator, and branch record can often be checked against authoritative public data. Loan products, APRs, fees, approval standards, funding times, promotional offers, and geographic eligibility can change much more frequently. For that reason, LoanCompanies.com does not fill missing product fields with estimates. When a rate, fee, amount, term, or eligibility rule has not been verified from a current source, the page says so rather than presenting a guessed value.

Address, contact information and main office

The primary physical location currently associated with 1st Summit Bank is 125 Donald Ln, Johnstown, PA, 15904.

A verified public phone number is not yet stored in our current FDIC-derived record for 1st Summit Bank. The institution's reported public website is https://1stsummit.bank. Visitors who need a current telephone number, branch hours, appointment availability, accessibility information, or a department-specific contact should confirm those details on the official site before traveling or sending sensitive information. Branch hours and telephone routing can change without appearing immediately in regulatory datasets, so the contact section is intentionally conservative.

Branch network and nearby offices

Our directory currently contains 0 branch or office location records linked to 1st Summit Bank. The institution-level FDIC record reports 17 offices, while the branch table is maintained separately and may update on a different schedule. The nearby-office list below is calculated from the main office coordinates when latitude and longitude are available. This is a geographic proximity aid only. It does not mean every listed office accepts walk-in loan applications, offers every product, keeps the same hours, or provides the same service type.

No additional branch records have been loaded for this institution yet. The directory will display nearby offices automatically after branch data is imported.

If you are comparing branches, use the address and map as a starting point and then verify the branch directly. Some regulatory location records represent administrative offices, loan-production offices, drive-through facilities, mobile offices, trust offices, or other limited-service locations rather than traditional full-service branches. A branch that is geographically closest may therefore not be the best place for a specific banking or lending task.

Regulation, identifiers and verification

FDIC is recorded as the primary federal regulator code for 1st Summit Bank. Regulatory identifiers help distinguish institutions that may have similar names and are especially useful when verifying that a website or branch belongs to the intended company. FDIC certificate 8426 is the key identifier used to connect this profile to FDIC institution and branch records. The page also stores source dates so readers can see when the underlying information was last checked.

• FDIC_CERT: 8426 · verified 2026-09-18

Verification does not mean that LoanCompanies.com recommends an institution, guarantees a product, or confirms the accuracy of every statement made by the company. It means that specific directory facts have been checked against the cited source or submitted through an approved company-verification process. We keep commercial placement, sponsored advertising, organic directory results, and editorial research separate so that payment does not silently turn into an organic ranking signal.

Institution size and operating context

The latest institution data loaded into this profile records total assets of approximately $1,520,450,000. Recorded deposits are approximately $1,177,819,000. These figures come from regulatory reporting and should be read as a snapshot tied to the source reporting period rather than a live balance. They are useful for understanding the scale of an institution, but they do not by themselves indicate customer service quality, loan pricing, approval likelihood, financial advice quality, or whether a particular product is appropriate for an individual borrower.

The current bank-class code stored for the institution is NM. The community-bank indicator in the imported regulatory record is yes. These fields are descriptive regulatory attributes. They should not be treated as ratings. Borrowers comparing institutions should focus on the actual product being considered, including APR, fees, term length, collateral requirements, repayment schedule, prepayment rules, late-payment treatment, customer support, and whether the lender is authorized to offer that product in the borrower's state.

Loan products and terms

When product data is present, compare the complete cost rather than a single advertised rate. APR is useful because it can incorporate interest and certain finance charges, but borrowers should still review origination fees, late fees, optional products, collateral requirements, payment frequency, maturity, and any conditions attached to a promotional rate. For secured loans, also consider the consequences of default and the value of the property securing the obligation. For variable-rate products, verify how and when the rate can change.

Specialties and typical use cases

1st Summit Bank is currently categorized in our structured directory for these verified specialties: community banking, general bank lending. These labels describe sourced product focus or common borrowing use cases. They are not an endorsement, a prediction of approval, or a statement that a company is suitable for every borrower.

State availability and who should verify eligibility

Our structured product records currently show availability in: PA. A branch existing in a state does not automatically prove that every loan product is offered to every resident of that state. Conversely, some institutions offer online products outside the immediate footprint of their physical branches. Product eligibility can depend on residence, membership, collateral location, income, credit history, account relationship, loan purpose, and other underwriting factors.

Before applying, confirm that you are dealing with the intended institution, that the product is actually available where you live, and that the terms shown by the lender match the terms you are prepared to accept. Avoid sending Social Security numbers, bank credentials, identification documents, or other sensitive information to a website merely because its name resembles the institution shown here. Use the official website and regulatory identifiers on this page as part of your verification process.

How to use this 1st Summit Bank profile

This page is most useful as a due-diligence starting point. First, confirm the institution name, address, regulatory identifier, and official website. Second, review the branch network if an in-person visit matters to you. Third, compare any verified product information with competing offers using the same loan amount and repayment period. Fourth, read the lender's current disclosures before submitting an application. Finally, keep a copy of the terms you were offered so you can compare the final agreement with the information you relied on when making your decision.

LoanCompanies.com separates factual directory data from independent editorial content and from commercial relationships. A company can request factual corrections or ask to be suppressed from the commercial directory through the company link in the site footer. A company cannot use that process to silently rewrite independent editorial analysis, erase public regulatory facts, or convert a sponsored relationship into an organic recommendation. This separation is part of how the directory is intended to remain useful to borrowers while still allowing institutions to correct inaccurate operational details.

What borrowers should verify before applying

A directory profile can narrow the field, but the final decision should be made from the lender's current disclosures. Confirm the exact legal lender named in the application, the APR and interest rate, any origination or processing fee, the amount you will actually receive after fees, the required payment, the number of payments, the total amount repaid, and whether the loan is secured or unsecured. If the product is offered through a bank partner, verify which institution will originate the credit and which company will service it. These details matter because a familiar consumer brand may operate as a marketplace or technology platform while the legal loan is made by a separate bank.

State availability deserves a second check at application time. The states listed on this page are based on the cited source and verification date, but lenders can add or remove states, change minimum amounts, or alter product availability. A state appearing in the directory means we found a source supporting availability for the relevant product at the time of review. It does not guarantee approval, a particular rate, or that every product from the same company is available there.

How to compare this company with alternatives

Use the same requested amount and a similar repayment term when comparing lenders. A lower monthly payment can result from a longer term and may increase total interest even when the payment looks easier to manage. Compare APR, fees, net proceeds, term length, funding timing, credit requirements, secured versus unsecured status, and whether direct creditor payoff is available for consolidation loans. If two offers have different origination fees, compare how much cash reaches you rather than comparing only the headline loan amount.

For debt consolidation, compare the new loan's total repayment cost with the debts being replaced and consider whether closing paid-off revolving accounts would affect your broader credit strategy. For home improvement or major purchases, compare a personal loan with any secured options available to you while recognizing that secured credit places collateral at risk. For emergency borrowing, funding speed can matter, but it should not replace a review of total cost and repayment affordability.

Customer service, servicing and account management

Borrowers should identify who handles payments after funding, how to contact servicing, which payment methods are accepted, whether automatic payments are optional, how payoff quotes are requested, and how the company handles returned payments or late payments. Online lenders may provide most servicing through an app or web account, while branch-based lenders may also support in-person service. The contact information on this profile is intended to help confirm the company, but account-specific questions should be handled through the official channels shown by the lender after authentication.

Before sending documents, confirm the website domain and avoid responding to unsolicited messages that request gift cards, cryptocurrency, wire transfers, or upfront payment as a condition of receiving ordinary consumer loan proceeds. Legitimate lenders may charge disclosed loan fees, but those charges should appear in the loan disclosures and agreement. If a caller or message conflicts with information on the official website, stop and verify the contact independently.

Sources and freshness

• FDIC BankFind Suite (fdic) · verified 2026-09-18 · source
• FDIC BankFind regulatory profile (fdic_regulatory_profile) · verified 2026-09-18 · source

The profile was last marked verified on 2026-09-18. Branch records may have their own run dates because FDIC location data is maintained separately from institution-level data. If you notice an address, phone number, website, office status, or other factual field that appears outdated, use the Claim / remove company link in the footer to reach the company-data workflow.