Somerset Trust Company: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income climbed 19.3% in Q2 2026, from -$34.1M to -$27.5M. It was the largest change from Q1 2026 among the key lines here. Somerset Trust Company ranks 50th of 72 Pennsylvania banks on CET1 ratio, in the lower half at 12.72% (Q2 2026). The median for banks in the $1B-10B asset tier is 13.48% on CET1 ratio. Somerset Trust Company sits 0.76 points lower, at 12.72% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.72% |
| Tier 1 risk-based capital ratio | 12.72% |
| Total risk-based capital ratio | 13.97% |
| Tier 1 leverage ratio | 9.10% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $228.2M |
| Tier 1 capital | $228.2M |
| Total risk-based capital | $250.6M |
| Total equity capital | $200.7M |
| Risk-weighted assets | $1.79B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.13% |
| Tangible equity to tangible assets | 8.13% |
| Equity capital to average assets | 8.00% |
| Internal capital growth rate | 13.50% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $613K |
| Common stock surplus | $5.9M |
| Retained earnings | $221.7M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$27.5M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.11% | 11.11% | 12.31% | 8.30% | $1.56B |
| Q4 2023 | 10.74% | 10.74% | 11.98% | 8.23% | $1.63B |
| Q1 2024 | 10.66% | 10.66% | 11.86% | 8.11% | $1.68B |
| Q2 2024 | 11.02% | 11.02% | 12.20% | 8.11% | $1.67B |
| Q3 2024 | 11.14% | 11.14% | 12.30% | 8.23% | $1.70B |
| Q4 2024 | 11.42% | 11.42% | 12.59% | 8.43% | $1.72B |
| Q1 2025 | 11.38% | 11.38% | 12.59% | 8.57% | $1.76B |
| Q2 2025 | 11.24% | 11.24% | 12.45% | 8.35% | $1.83B |
| Q3 2025 | 11.41% | 11.41% | 12.64% | 8.42% | $1.86B |
| Q4 2025 | 12.09% | 12.09% | 13.35% | 8.64% | $1.79B |
| Q1 2026 | 12.27% | 12.27% | 13.52% | 8.96% | $1.81B |
| Q2 2026 | 12.72% | 12.72% | 13.97% | 9.10% | $1.79B |
Somerset Trust Company regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Somerset Trust Company, freeSource: Call Report Schedule RC-R, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Somerset Trust Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11112) · FFIEC NIC profile (RSSD 212522)