SOMERVILLE BANK

EATON, OH | Small | Est. Oct. 10, 1910, midnight | FDIC #6700 | RSSD #411624 | FDIC
Latest Report: 2025-12-31

SOMERVILLE BANK is asn small FDIC-insured commercial bank headquartered in EATON, OH, established in Oct. 10, 1910, midnight. As of 2025-12-31, the bank reported total assets of $287M and total deposits of $258M. Profitability stands at 0.66% ROA and 8.79% ROE, with a net interest margin of 3.32%. The bank's CET1 capital ratio is 7.37%. Asset quality metrics show a non-performing loan ratio of 0.46% and a Texas Ratio of 3.97%. FDIC Certificate #6700.

Assets

$287M

Deposits

$258M

Loans

$207M

Equity

$22M

Profitability

Return on Assets (ROA) 0.66%
Return on Equity (ROE) 8.79%
Net Interest Margin (NIM) 3.32%
Yield on Assets 5.42%
Cost of Funds 2.09%

Asset Quality

NPL Ratio 0.46%
Net Charge-Off Ratio 0.04%
Texas Ratio 3.97%
NPA Ratio 0.33%
ACL / Loans 1.06%

Capital & Liquidity

CET1 Ratio 7.37%
Tier 1 Capital 7.37%
Total Capital Ratio 7.74%
Leverage Ratio 9.57%
Loan-to-Deposit 80.17%

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