SOMERSET TRUST COMPANY

SOMERSET, PA | Large | Est. Jan. 1, 1889, midnight | FDIC #11112 | RSSD #212522 | FDIC
Latest Report: 2025-12-31

SOMERSET TRUST COMPANY is aln large FDIC-insured commercial bank headquartered in SOMERSET, PA, established in Jan. 1, 1889, midnight. As of 2025-12-31, the bank reported total assets of $2.4B and total deposits of $2.0B. Profitability stands at 1.03% ROA and 13.83% ROE, with a net interest margin of 4.13%. The bank's CET1 capital ratio is 12.09%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.37% and a Texas Ratio of 10.57%. FDIC Certificate #11112.

Assets

$2.4B

Deposits

$2.0B

Loans

$1.6B

Equity

$189M

Profitability

Return on Assets (ROA) 1.03%
Return on Equity (ROE) 13.83%
Net Interest Margin (NIM) 4.13%
Yield on Assets 6.07%
Cost of Funds 2.51%

Asset Quality

NPL Ratio 1.37%
Net Charge-Off Ratio 0.06%
Texas Ratio 10.57%
NPA Ratio 0.91%
ACL / Loans 1.32%

Capital & Liquidity

CET1 Ratio 12.09%
Tier 1 Capital 12.09%
Total Capital Ratio 13.34%
Leverage Ratio 8.63%
Loan-to-Deposit 80.39%

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