Bank Comparison
Somerset Trust Company vs American National Bank & Trust
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 13
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Somerset Trust Company | American National Bank & Trust |
|---|---|---|
| CET1 Ratio | 12.27% | 12.59% |
| Tier 1 Capital Ratio | 12.27% | 12.59% |
| Total Capital Ratio | 13.52% | 13.68% |
| Tier 1 Leverage Ratio | 8.96% | 10.18% |
| Equity / Assets | 7.63% | 10.17% |
Profitability
| Metric | Somerset Trust Company | American National Bank & Trust |
|---|---|---|
| Return on Assets (ROA) | 1.09% | 0.89% |
| Return on Equity (ROE) | 14.37% | 8.76% |
| Net Interest Margin (NIM) | 4.18% | 3.12% |
| Yield on Earning Assets | 5.92% | 5.73% |
| Cost of Funds | 1.78% | 2.87% |
Asset quality
| Metric | Somerset Trust Company | American National Bank & Trust |
|---|---|---|
| Texas Ratio | 11.74% | 7.15% |
| Non-Performing Loan Ratio | 1.38% | 0.83% |
| Non-Performing Asset Ratio | 0.92% | 0.77% |
| Net Charge-Off Ratio | 0.16% | 0.00% |
| ACL / Loans | 1.31% | 1.06% |
Balance sheet
| Metric | Somerset Trust Company | American National Bank & Trust |
|---|---|---|
| Total Assets | $2,460M | $2,470M |
| Total Deposits | $2,016M | $2,191M |
| Total Loans | $1,627M | $1,887M |
| Total Equity | $187,790K | $251,118K |
| Net Income (quarter) | $6,765K | $5,463K |
Liquidity & funding
| Metric | Somerset Trust Company | American National Bank & Trust |
|---|---|---|
| Loan-to-Deposit Ratio | 80.74% | 86.14% |
| Core Deposit Ratio | 95.76% | 82.96% |
| Uninsured Deposit Ratio | 30.84% | 38.40% |
Identity
| Metric | Somerset Trust Company | American National Bank & Trust |
|---|---|---|
| Headquarters City | SOMERSET | WICHITA FALLS |
| Headquarters State | PA | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 16617 |
| Regulator | FDIC | OCC |
| Domestic Branches | 49 | 14 |
| Employees (FTE) | 481 | 323 |
| Established | Jan. 1, 1889, midnight | Nov. 29, 1976, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Somerset Trust Company profile | View full American National Bank & Trust profile | Browse all bank comparisons