Somerset, PA · Cert 11112 · Somerset Trust Holding Co.
State charter, non-member · FDIC · 48 branches
Q2 2026
Market Position · Pittsburgh, PA · 2026 SOD (annual) · 0.3% share · #18 of 48 inst. · $0.7B of $209.3B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.06% | 1.07% | 0.89% | 0.99% | 1.04% | 1.04% | 1.10% | 1.16% | +17 bps | |
| Return on Equity | 16.47% | 16.65% | 13.57% | 15.10% | 15.46% | 15.02% | 14.37% | 14.77% | -32 bps | |
| Net Interest Margin | 3.46% | 3.43% | 3.52% | 3.56% | 3.45% | 3.56% | 3.74% | 3.96% | +40 bps | |
| Efficiency Ratio | 69.80% | 69.77% | 70.02% | 68.28% | 67.71% | 67.87% | 69.71% | 66.33% | -195 bps | |
| Non-Interest Burden | 2.16% | 2.14% | 2.24% | 2.19% | 2.09% | 2.16% | 2.37% | 2.36% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 12.09% | 5.27% | 6.17% | 6.60% | 5.87% | 5.39% | 2.72% | 0.76% | -584 bps | |
| Loan Growth (YoY) | 11.28% | 6.97% | 4.98% | 10.35% | 8.37% | 4.43% | 3.70% | -1.16% | -1,151 bps | |
| Deposit Growth (YoY) | 4.99% | 5.26% | 5.42% | 7.63% | 8.25% | 6.65% | 3.67% | -0.76% | -840 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 1.27% | 1.38% | 1.41% | 2.34% | 1.84% | 2.11% | 1.49% | 1.49% | -85 bps | |
| Net Charge-Offs / Loans | 0.09% | 0.04% | 0.06% | 0.06% | 0.05% | 0.06% | 0.16% | 0.12% | +7 bps | |
| Allowance / Loans | 1.20% | 1.22% | 1.24% | 1.24% | 1.28% | 1.32% | 1.31% | 1.33% | +8 bps | |
| Allowance Coverage of NPLs | 0.9x | 0.9x | 0.9x | 0.5x | 0.7x | 0.6x | 0.9x | 0.9x | +0.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.23% | 8.43% | 8.57% | 8.56% | 8.42% | 8.64% | 8.96% | 9.10% | +54 bps | |
| Total Risk-Based Capital | 12.30% | 12.59% | 12.59% | 12.44% | 12.63% | 13.35% | 13.52% | 13.97% | +153 bps | |
| Equity / Assets | 6.78% | 6.53% | 6.64% | 6.45% | 7.15% | 7.73% | 7.63% | 8.13% | +168 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.78% | 82.00% | 80.72% | 81.62% | 79.88% | 80.29% | 80.74% | 81.30% | -32 bps | |
| Liquid Assets / Assets | 2.28% | 0.57% | 2.01% | 0.87% | 1.93% | 0.56% | 0.92% | 0.34% | -52 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 363% | 347% | 341% | n/a | n/a | |