Somerset Trust Company: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 15.05 percentage points lower than in Q1 2026, at 207.18%. Within Pennsylvania, Somerset Trust Company is 71st of 109 on loan-to-deposit ratio, 81.30% as of Q2 2026, below the middle of the field. Somerset Trust Company reported 81.30% on loan-to-deposit ratio for Q2 2026, 6.90 points below the 88.20% median for banks in the $1B-10B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $1.62B |
| Net loans and leases | $1.60B |
| Loans held for sale | $19.2M |
| Loans to total assets | 65.79% |
| Loan-to-deposit ratio | 81.30% |
| Net loans to equity capital | 7.98% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 32.36% |
| Multifamily (5+ residential) | 4.19% |
| Commercial and industrial | 20.16% |
| Consumer | 3.32% |
| Credit cards | 0.33% |
| Farm | 1.65% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 2.38% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 207.18% |
| Construction concentration (Tier 1 capital + allowance) | 52.97% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 7.34% |
| Interest income on loans | $29.8M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.37B | $1.81B | 33.17% | 22.42% | 3.55% |
| Q4 2023 | $1.44B | $1.79B | 35.19% | 20.59% | 3.40% |
| Q1 2024 | $1.50B | $1.84B | 35.58% | 20.95% | 3.32% |
| Q2 2024 | $1.49B | $1.87B | 34.91% | 20.82% | 3.42% |
| Q3 2024 | $1.52B | $1.90B | 34.99% | 20.54% | 3.39% |
| Q4 2024 | $1.54B | $1.88B | 35.12% | 19.71% | 3.39% |
| Q1 2025 | $1.57B | $1.94B | 35.20% | 19.93% | 3.33% |
| Q2 2025 | $1.64B | $2.01B | 34.51% | 20.50% | 3.23% |
| Q3 2025 | $1.64B | $2.06B | 33.62% | 20.12% | 3.29% |
| Q4 2025 | $1.61B | $2.01B | 33.15% | 19.27% | 3.32% |
| Q1 2026 | $1.63B | $2.02B | 33.31% | 19.42% | 3.26% |
| Q2 2026 | $1.62B | $2.00B | 32.36% | 20.16% | 3.32% |
Somerset Trust Company loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Somerset Trust Company, freeSource: Call Report Schedule RC-C, 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)