FSMK (1st Summit Bancorp Johnstown) LT-Debt-to-Total-Asset: 0.14 (As of Mar. 2026)

What is 1st Summit Bancorp Johnstown LT-Debt-to-Total-Asset?

1st Summit Bancorp Johnstown FSMK 45 LT-Debt-to-Total-Asset is 0.14 as of Mar. 2026. GuruFocus rates FSMK with a GF Score™ of 45/100 and a GF Value™ of $39.44 (Fairly Valued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. 1st Summit Bancorp Johnstown's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.14.

1st Summit Bancorp Johnstown's long-term debt to total assets ratio increased from Mar. 2025 (0.10) to Mar. 2026 (0.14). It may suggest that 1st Summit Bancorp Johnstown is progressively becoming more dependent on debt to grow their business.

1st Summit Bancorp Johnstown (OTCPK:FSMK) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

1st Summit Bancorp Johnstown LT-Debt-to-Total-Asset Related Terms

1st Summit Bancorp Johnstown LT-Debt-to-Total-Asset Historical Data

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The historical data trend for 1st Summit Bancorp Johnstown's LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

1st Summit Bancorp Johnstown LT-Debt-to-Total-Asset Chart

1st Summit Bancorp Johnstown Annual Data

Trend

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

LT-Debt-to-Total-Asset

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0.04

0.07

0.06

0.08

0.13

1st Summit Bancorp Johnstown Quarterly Data
	Jun21	Sep21	Dec21	Mar22	Jun22	Sep22	Dec22	Mar23	Jun23	Sep23	Dec23	Mar24	Jun24	Sep24	Dec24	Mar25	Jun25	Sep25	Dec25	Mar26
LT-Debt-to-Total-Asset	Get a 7-Day Free Trial															0.10	0.10	0.11	0.13	0.14

45GF Score

1st Summit Bancorp Johnstown Inc FSMK

LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.

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1st Summit Bancorp Johnstown LT-Debt-to-Total-Asset Calculation

1st Summit Bancorp Johnstown's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )	=	Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )	/	Total Assets (A: Dec. 2025 )
	=	192.103	/	1517.332
	=	0.13

1st Summit Bancorp Johnstown's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )	=	Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )	/	Total Assets (Q: Mar. 2026 )
	=	209.421	/	1517.317
	=	0.14

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →

What does a LT-Debt-to-Total-Asset of 0.14 mean?

1st Summit Bancorp Johnstown (FSMK) has a LT-Debt-to-Total-Asset of 0.14 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on 1st Summit Bancorp Johnstown and its competitors.

Is 1st Summit Bancorp Johnstown's LT-Debt-to-Total-Asset too high?

1st Summit Bancorp Johnstown's current LT-Debt-to-Total-Asset is 0.14. Overall, 1st Summit Bancorp Johnstown has a GF Score™ of 45/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.

How does 1st Summit Bancorp Johnstown's LT-Debt-to-Total-Asset compare to CZBT and UWHR?

1st Summit Bancorp Johnstown's LT-Debt-to-Total-Asset of 0.14 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good LT-Debt-to-Total-Asset for a Banks company?

A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high LT-Debt-to-Total-Asset mean?

A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on 1st Summit Bancorp Johnstown and its competitors. 1st Summit Bancorp Johnstown's current LT-Debt-to-Total-Asset is 0.14. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is 1st Summit Bancorp Johnstown stock overvalued right now?

Based on GuruFocus' analysis, 1st Summit Bancorp Johnstown (FSMK) is currently considered Fairly Valued. The stock's GF Value™ is $39.44, compared to a current price of $38.55 — trading 2.3% below its estimated fair value. The current LT-Debt-to-Total-Asset is 0.14. 1st Summit Bancorp Johnstown's overall GF Score™ is 45/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is LT-Debt-to-Total-Asset calculated?

LT-Debt-to-Total-Asset is calculated from a company's financial statements. For 1st Summit Bancorp Johnstown (FSMK), the current LT-Debt-to-Total-Asset is 0.14 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is 1st Summit Bancorp Johnstown (FSMK) Overvalued in 2026?

Based on GuruFocus' analysis, 1st Summit Bancorp Johnstown stock appears to be undervalued. The current stock price of $38.55 is trading 2.3% below its estimated GF Value™ of $39.44. GuruFocus considers 1st Summit Bancorp Johnstown to be Fairly Valued.

Key valuation signals for FSMK:

LT-Debt-to-Total-Asset: 0.14
GF Value™: $39.44 vs. price of $38.55 (2.3% below fair value)
GF Score™: 45/100 with 6 warning signs

No single metric tells the full story. See the FSMK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

1st Summit Bancorp Johnstown Business Description

Industry Financial Services Banks

Comparable Companies CZBT UWHR HMLN IBTN ORPB CZBC KLIB KSBI FDSB SOBS SHSE:600036 SGX:D05 MIL:UCG NSE:HDFCBANK XPAR:BNP MIL:ISP TSE:8411 SAU:1120 NSE:ICICIBANK XMAD:CABK

Address 125 Donald Lane, P.O. Box 5480, Johnstown, PA, USA, 15904

Website https://www.1stsummit.bank

1st Summit Bancorp Johnstown Inc is the holding company of the Bank. The Bank is a state-chartered bank located in Pennsylvania. The company's principal sources of revenue emanate from its portfolio of residential real estate, commercial mortgage, commercial, and consumer loans, its investment portfolio, as well as trust and a variety of deposit services to its customers through Bank offices and a Bank Loan Production Office. The Bank has the following portfolio segments: Commercial and industrial loans, commercial real estate-nonowner occupied, commercial real estate-all other, construction, residential real estate, and consumer loans.

45GF Score

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$38.55

Price

$39.44

GF Value

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