Somerset Trust Company
Somerset, PA · Cert 11112 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Somerset Trust Holding Co.
State charter, non-member · FDIC · 48 branches
Q2 2026
$2.5BAssets
$1.6BLoans
$2.0BDeposits
$200.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 78% of banks $1B-$10B in assets operating regionally (rank 39 of 176).
- Widest gap: equity / assets trails 90% of banks $1B-$10B in assets operating regionally (rank 159 of 176).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.15%
Rank 103 of 176
Net Interest Margin
3.96%
Rank 39 of 176
Efficiency Ratio
66.33%
Rank 127 of 176
Equity / Assets
8.13%
Rank 159 of 176
Non-interest income vs. expense
Unfavorable gap of $59.1M · efficiency ratio beats 28% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.15% | 0.93% | 1.26% | 1.54% | Beats 41% | 103 / 176 | |
| Return on Equity | 14.17% | 9.26% | 11.89% | 14.46% | Beats 72% | 50 / 176 | |
| Net Interest Margin | 3.96% | 3.25% | 3.59% | 3.93% | Beats 78% | 39 / 176 | |
| Efficiency Ratio | 66.33% | 52.79% | 59.55% | 67.66% | Beats 28% | 127 / 176 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.49% | 0.30% | 0.64% | 1.32% | Beats 17% | 147 / 176 | |
| Net Charge-Offs / Loans | 0.08% | 0.01% | 0.04% | 0.10% | Beats 33% | 119 / 176 | |
| Capital |
| Tier 1 Capital Ratio | 12.72% | 11.15% | 12.72% | 14.15% | Beats 50% | 88 / 176 | |
| Total Risk-Based Capital Ratio | 13.97% | 11.81% | 13.63% | 15.33% | Beats 56% | 77 / 176 | |
| Equity / Assets | 8.13% | 9.16% | 10.35% | 11.80% | Beats 10% | 159 / 176 | |
| Liquidity & Funding |
| Loans / Deposits | 81.30% | 80.94% | 89.73% | 97.21% | 26th pctl | 130 / 176 | |
| Loans / Assets | 65.79% | 69.25% | 75.12% | 80.82% | 15th pctl | 149 / 176 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |