Somerset Trust Company
Headquartered in Somerset, Somerset Trust Company serves the Pennsylvania market as a community-focused commercial bank. Total assets stand at $2.5B. Profitability tracks the broader industry — ROA 1.09%, ROE 14.37%, NIM 4.18%. Regulatory capital is solid — 12.27% CET1 and 13.52% total risk-based capital ratio. Asset quality is solid — 1.38% nonperforming loans and a 11.74% Texas Ratio. Somerset Trust Company operates a 49-branch network.
Headquarters Profile
- Address
- 151 W Main St, SOMERSET, PA 15501
- County
- Somerset
- Metro Area
- SOMERSET, PA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 2
- Established
- January 1, 1889
- Branches
- 49 domestic
- Employees (FTE)
- 481
- FDIC Cert
- 11112
- Fed RSSD
- 212522
- Website
- somersettrust.com →
- Parent Holding Company
- SOMERSET TRUST HOLDING COMPANY (RSSD 2914857)
Capital & Liquidity
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Somerset Trust Company rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Similar banks
Compare Somerset Trust Company with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet — pick a peer to view the full head-to-head.
Frequently asked about Somerset Trust Company
What are Somerset Trust Company's total assets?
As of the Q1 2026 filing, Somerset Trust Company reported total assets of $2.46 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Somerset Trust Company headquartered?
Somerset Trust Company is headquartered in SOMERSET, PA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Somerset Trust Company founded?
Somerset Trust Company was established in 1889, per the FDIC institution directory.
Is Somerset Trust Company FDIC-insured?
Yes. Somerset Trust Company is an FDIC-insured commercial bank (FDIC Certificate #11112). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Somerset Trust Company?
Somerset Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Somerset Trust Company's CET1 capital ratio?
Somerset Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 12.27% in its most recent quarterly filing — above regulatory minimums.
How many branches does Somerset Trust Company operate?
Somerset Trust Company operates 49 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Somerset Trust Company's Texas Ratio?
Somerset Trust Company's Texas Ratio is 11.74% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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