Pennsylvania · Q2 2026
Cambria County, Pennsylvania
0.0% of Cambria County deposits held by banks under $100B in assets sit in institutions above the regulatory CRE concentration threshold.
Counting institutions that are concentrated but do not meet the growth test, the share is 21%.
Hover or tap a county for its grade.
Banks behind this number
13 banks under $100B in assets with a branch here| Bank | Headquarters | Assets | Status | Criterion | Share of bank deposits here |
|---|---|---|---|---|---|
| 1st Summit Bank | Johnstown, PA | $1.5B | Below | — | 76.9% |
| Slovenian Savings and Loan Association of Franklin-Conemaugh | Conemaugh, PA | $0.2B | Below | — | 73.0% |
| Ameriserv Financial Bank | Johnstown, PA | $1.5B | Concentrated | 300%+, growth test not met | 60.0% |
| PennCrest Bank | Altoona, PA | $0.2B | Below | — | 58.8% |
| Somerset Trust Company | Somerset, PA | $2.5B | Below | — | 18.7% |
| InFirst Bank | Indiana, PA | $0.7B | Below | — | 12.9% |
| Marion Center Bank | Indiana, PA | $0.4B | Below | — | 8.9% |
| First Commonwealth Bank | Indiana, PA | $12B | Below | — | 4.2% |
| S&T Bank | Indiana, PA | $9.9B | Concentrated | 300%+, growth test not met | 3.0% |
| First National Bank of Pennsylvania | Greenville, PA | $51B | Below | — | 2.2% |
| CNB Bank | Clearfield, PA | $8.4B | Approaching | — | 1.8% |
| Northwest Bank | Warren, PA | $17B | Below | — | 1.1% |
| Woodforest National Bank | The Woodlands, TX | $9.0B | Below | — | 0.1% |
- 1st Summit BankBelowJohnstown, PA$1.5B—76.9% of bank deposits
- Conemaugh, PA$0.2B—73.0% of bank deposits
- Ameriserv Financial BankConcentratedJohnstown, PA$1.5B300%+, growth test not met60.0% of bank deposits
- PennCrest BankBelowAltoona, PA$0.2B—58.8% of bank deposits
- Somerset, PA$2.5B—18.7% of bank deposits
- InFirst BankBelowIndiana, PA$0.7B—12.9% of bank deposits
- Marion Center BankBelowIndiana, PA$0.4B—8.9% of bank deposits
- Indiana, PA$12B—4.2% of bank deposits
- S&T BankConcentratedIndiana, PA$9.9B300%+, growth test not met3.0% of bank deposits
- Greenville, PA$51B—2.2% of bank deposits
- CNB BankApproachingClearfield, PA$8.4B—1.8% of bank deposits
- Northwest BankBelowWarren, PA$17B—1.1% of bank deposits
- The Woodlands, TX$9.0B—0.1% of bank deposits
A bank can meet more than one condition at once, so the county counts above the table add up to more than the number of banks. Each row shows the strongest condition that bank meets.
What this means
None of the 13 banks under $100B in assets with a branch in Cambria County are above a regulatory CRE concentration threshold this quarter. Another 2 carry commercial real estate above 300% of capital without meeting the three-year growth test, which is why the broader share is 21%. 1 more sits within one quarter of a threshold.
Concentration is exposure, not loss. A bank above a threshold is one the 2006 interagency guidance expects to hold more capital and document its underwriting, not one that has lost money. We tested whether counties in the top quartile of this score went on to deteriorate faster over the following eight quarters, and found no relationship. The backtest is published in full.
Concentration measures exposure, not loss. This is a map of exposure, not a forecast: our published backtest found no relationship between a county's score and subsequent deterioration.
Nothing on this page is investment advice.