Bank Comparison
Somerset Trust Company vs Texasbank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
7 · 17
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Somerset Trust Company | Texasbank |
|---|---|---|
| CET1 Ratio | 12.27% | 17.59% |
| Tier 1 Capital Ratio | 12.27% | 17.59% |
| Total Capital Ratio | 13.52% | 18.84% |
| Tier 1 Leverage Ratio | 8.96% | 12.67% |
| Equity / Assets | 7.63% | 12.35% |
Profitability
| Metric | Somerset Trust Company | Texasbank |
|---|---|---|
| Return on Assets (ROA) | 1.09% | 2.32% |
| Return on Equity (ROE) | 14.37% | 18.72% |
| Net Interest Margin (NIM) | 4.18% | 4.70% |
| Yield on Earning Assets | 5.92% | 7.06% |
| Cost of Funds | 1.78% | 2.63% |
Asset quality
| Metric | Somerset Trust Company | Texasbank |
|---|---|---|
| Texas Ratio | 11.74% | 6.61% |
| Non-Performing Loan Ratio | 1.38% | 0.69% |
| Non-Performing Asset Ratio | 0.92% | 0.88% |
| Net Charge-Off Ratio | 0.16% | 0.17% |
| ACL / Loans | 1.31% | 1.20% |
Balance sheet
| Metric | Somerset Trust Company | Texasbank |
|---|---|---|
| Total Assets | $2,460M | $2,469M |
| Total Deposits | $2,016M | $2,018M |
| Total Loans | $1,627M | $2,069M |
| Total Equity | $187,790K | $304,944K |
| Net Income (quarter) | $6,765K | $14,049K |
Liquidity & funding
| Metric | Somerset Trust Company | Texasbank |
|---|---|---|
| Loan-to-Deposit Ratio | 80.74% | 102.52% |
| Core Deposit Ratio | 95.76% | 90.30% |
| Uninsured Deposit Ratio | 30.84% | 36.75% |
Identity
| Metric | Somerset Trust Company | Texasbank |
|---|---|---|
| Headquarters City | SOMERSET | FORT WORTH |
| Headquarters State | PA | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 49 | 20 |
| Employees (FTE) | 481 | 366 |
| Established | Jan. 1, 1889, midnight | March 7, 1966, 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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