Bank Comparison
Somerset Trust Company vs Ephrata National Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
9 · 15
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Somerset Trust Company | Ephrata National Bank |
|---|---|---|
| CET1 Ratio | 12.27% | 13.03% |
| Tier 1 Capital Ratio | 12.27% | 13.03% |
| Total Capital Ratio | 13.52% | 14.19% |
| Tier 1 Leverage Ratio | 8.96% | 9.50% |
| Equity / Assets | 7.63% | 8.95% |
Profitability
| Metric | Somerset Trust Company | Ephrata National Bank |
|---|---|---|
| Return on Assets (ROA) | 1.09% | 0.90% |
| Return on Equity (ROE) | 14.37% | 10.29% |
| Net Interest Margin (NIM) | 4.18% | 3.60% |
| Yield on Earning Assets | 5.92% | 4.96% |
| Cost of Funds | 1.78% | 1.45% |
Asset quality
| Metric | Somerset Trust Company | Ephrata National Bank |
|---|---|---|
| Texas Ratio | 11.74% | 6.69% |
| Non-Performing Loan Ratio | 1.38% | 0.92% |
| Non-Performing Asset Ratio | 0.92% | 0.62% |
| Net Charge-Off Ratio | 0.16% | 0.00% |
| ACL / Loans | 1.31% | 1.15% |
Balance sheet
| Metric | Somerset Trust Company | Ephrata National Bank |
|---|---|---|
| Total Assets | $2,460M | $2,423M |
| Total Deposits | $2,016M | $2,074M |
| Total Loans | $1,627M | $1,649M |
| Total Equity | $187,790K | $216,795K |
| Net Income (quarter) | $6,765K | $5,346K |
Liquidity & funding
| Metric | Somerset Trust Company | Ephrata National Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 80.74% | 79.51% |
| Core Deposit Ratio | 95.76% | 96.10% |
| Uninsured Deposit Ratio | 30.84% | 11.41% |
Identity
| Metric | Somerset Trust Company | Ephrata National Bank |
|---|---|---|
| Headquarters City | SOMERSET | EPHRATA |
| Headquarters State | PA | PA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 2515 |
| Regulator | FDIC | OCC |
| Domestic Branches | 49 | 23 |
| Employees (FTE) | 481 | 352 |
| Established | Jan. 1, 1889, midnight | March 17, 1881, 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.
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