Bank Comparison
Somerset Trust Company vs First United 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 | First United Bank |
|---|---|---|
| CET1 Ratio | 12.27% | 15.90% |
| Tier 1 Capital Ratio | 12.27% | 15.90% |
| Total Capital Ratio | 13.52% | 17.15% |
| Tier 1 Leverage Ratio | 8.96% | 11.08% |
| Equity / Assets | 7.63% | 10.06% |
Profitability
| Metric | Somerset Trust Company | First United Bank |
|---|---|---|
| Return on Assets (ROA) | 1.09% | 1.93% |
| Return on Equity (ROE) | 14.37% | 19.62% |
| Net Interest Margin (NIM) | 4.18% | 3.84% |
| Yield on Earning Assets | 5.92% | 5.63% |
| Cost of Funds | 1.78% | 1.94% |
Asset quality
| Metric | Somerset Trust Company | First United Bank |
|---|---|---|
| Texas Ratio | 11.74% | 6.96% |
| Non-Performing Loan Ratio | 1.38% | 1.13% |
| Non-Performing Asset Ratio | 0.92% | 0.68% |
| Net Charge-Off Ratio | 0.16% | -0.04% |
| ACL / Loans | 1.31% | 1.40% |
Balance sheet
| Metric | Somerset Trust Company | First United Bank |
|---|---|---|
| Total Assets | $2,460M | $2,449M |
| Total Deposits | $2,016M | $2,184M |
| Total Loans | $1,627M | $1,489M |
| Total Equity | $187,790K | $246,294K |
| Net Income (quarter) | $6,765K | $12,081K |
Liquidity & funding
| Metric | Somerset Trust Company | First United Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 80.74% | 68.16% |
| Core Deposit Ratio | 95.76% | 85.65% |
| Uninsured Deposit Ratio | 30.84% | 51.34% |
Identity
| Metric | Somerset Trust Company | First United Bank |
|---|---|---|
| Headquarters City | SOMERSET | DIMMITT |
| Headquarters State | PA | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 49 | 25 |
| Employees (FTE) | 481 | 301 |
| Established | Jan. 1, 1889, midnight | March 7, 1907, 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 First United Bank profile | Browse all bank comparisons