Somerset Trust Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Somerset Trust Company of Somerset, PA against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.19% | 1.46% | -0.27% | 43rd below |
| ROAE | 15.34% | 12.71% | +2.63% | 74th above |
| Net Interest Margin | 4.72% | 3.85% | +0.87% | 92nd top |
| Efficiency Ratio | 61.66% | 57.40% | +4.26% | 39th below |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.84% | 1.88% | -0.04% | 60th above |
| Yield on Earning Assets | 6.39% | 5.72% | +0.67% | 87th top |
| Cost of Funds | 1.71% | 2.02% | -0.31% | 69th above |
| Net Interest Spread | 4.25% | 3.18% | +1.07% | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.43% | 1.00% | +0.43% | 20th bottom |
| NPA / Total Assets | 0.95% | 0.76% | +0.19% | 26th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.08% | 0.43% | -0.35% | 31st below |
| ACL / Total Loans | 1.33% | 1.31% | +0.02% | 73rd above |
| ACL / NPLs (Coverage) | 92.91% | 543.79% | -450.88% | 26th below |
| Texas Ratio | 11.13% | 7.39% | +3.74% | 20th bottom |
| Provision / NCO | 119.39% | 619.17% | -499.78% | 41st below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 12.72% | 17.34% | -4.62% | 37th below |
| Tier 1 Ratio | 12.72% | 17.37% | -4.65% | 37th below |
| Total Capital Ratio | 13.97% | 18.42% | -4.45% | 39th below |
| Leverage Ratio | 9.10% | 11.44% | -2.34% | 14th bottom |
| Equity / Assets | 8.13% | 11.34% | -3.21% | 8th bottom |
| TCE / Tangible Assets | 8.13% | 10.50% | -2.37% | 14th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 81.30% | 86.96% | -5.66% | 67th above |
| Core Deposit Ratio | 92.65% | 85.55% | +7.10% | 72nd above |
| Uninsured Deposit Ratio Ahead of the peer average, behind the median peer. | 31.17% | 33.12% | -1.95% | 49th below |
| Wholesale Funding Ratio | 9.93% | 5.70% | +4.23% | 16th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 0.84% | 9.69% | -8.85% | 21st bottom |
| Loan Growth (Y/Y) | -1.04% | 8.06% | -9.10% | 13th bottom |
| Deposit Growth (Y/Y) | -0.76% | 7.88% | -8.64% | 15th bottom |
See Somerset Trust Company's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Somerset Trust Company, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Somerset Trust Company profile, how to read a UBPR, or how this data updates.