Somerville Bank
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Data as of · sourced from FFIEC call reports. How we update
Somerville Bank is an FDIC-insured commercial bank headquartered in Eaton, OH, established in 1910 (FDIC certificate 6700), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $290.6M, up 5.4% from Q2 2025, the 76th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.54% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 6700
- Headquarters
- Eaton, OH
- Established
- 1910
- Total assets, Q2 2026
- $290.6M
- Assets vs Q2 2025
- +5.4%
- Tier 1 leverage ratio, Q2 2026
- 9.54%
- Domestic offices
- 8 FDIC institution directory, current count
- Routing number
- 042211572
- Latest call report
- Q2 2026, FFIEC 041 · Somerville Bank call report
- Holding company
- SOMERVILLE BANCORP
- Asset rank in state
- 76th of 154 in Ohio
Problem loans are rising at Somerville Bank. The Eaton, Ohio bank had $291 million in assets at June 30, 2026, up 5.4% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.10% of loans from 0.56% a year earlier. It holds commercial real estate loans equal to only 28% of its capital, a small fraction of the median of 1.2 times for the 2,660 banks with $100 million to $1 billion in assets. It also shrank its loan book 0.8% over the year, lower than about three-quarters of banks its size (median 5.5%).
Earnings jumped: net income for the quarter was $614,000, 68% above the same quarter a year earlier. Over the same year, loans shrank 0.8% and deposits grew 4.6%. Costs are the weak spot: it spends about 74 cents to bring in each dollar of revenue, higher than about three-quarters of banks its size (median 61 cents).
As of June 30, 2026, Somerville Bank reported a return on assets of 0.82%, a nonperforming-loan ratio of 1.10% and a Texas ratio of 8.83%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, Somerville Bank is the 76th largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 1.2% to $290.6M, loans fell 1.1% and deposits fell 1.9%. Its loan book on June 30, 2026 was led by owner-occupied commercial real estate loans, at 38.3% of total loans, followed by farmland and other real estate loans at 17.7%. The FDIC Summary of Deposits lists 8 offices for it, in 7 cities in OH; its Eaton 2 offices book 49% of its branch deposits. By the capital ratios in its Q2 2026 call report, Somerville Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 601 Hillcrest Dr, Eaton, OH 45320
- County
- Preble
- Metro Area
- Cincinnati, Oh-KY-In
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- October 10, 1910
- Former names
- The Somerville National Bank (2016-2017)
- Domestic offices
- 8 FDIC institution directory, current count
- Employees (FTE)
- 56
- Domestic deposits
- $260.7M
- Allowance for credit losses
- $2.2M
- Net charge-offs (YTD)
- $6K
- Average total assets
- $299.7M
- Average total loans
- $201.3M
- Average interest-bearing deposits
- $210.2M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 6700
- Fed RSSD
- 411624
- Website
- www.somervillebank.net →
- Parent Holding Company
- SOMERVILLE BANCORP (RSSD 5169667)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Somerville Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Somerville Bank's total assets ranged from $255.8M (Q3 2023) to $294.3M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$290.6M total assets against $275.6M; $267.6M total liabilities against $256.9M.
$197.9M net loans and leases against $199.4M; $260.7M total deposits against $249.3M.
$71.2M securities against $56.5M; $11.5M cash and balances due against $9.4M.
$3.7M total interest income against $3.4M; $1.3M total interest expense against $1.3M.
$2.4M net interest income against $2.1M.
$93K total noninterest income against $87K; $1.9M total noninterest expense against $1.7M.
$0 provision for credit losses against $45K.
$614K net income against $365K.
0.82% return on assets against 0.51%; 3.42% net interest margin against 3.16%.
9.54% tier 1 leverage ratio against 9.64%.
Inside the full Somerville Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSomerville Bank rankings
Its closest position to the top of a national ranking is 742 of 3,640, for Texas Ratio; its furthest is 3,002 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.43% (Q3 2024) to 0.82% (Q2 2026) and its net interest margin ran from 2.94% (Q4 2024) to 3.42% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.54% | 0.82% | 1.10% | 8.83% | 3.42% |
| Q1 2026 | 9.46% | 0.62% | 1.41% | 12.12% | 3.20% |
| Q4 2025 | 9.57% | 0.64% | 1.13% | 9.90% | 3.23% |
| Q3 2025 | 9.63% | 0.48% | 1.67% | 14.54% | 3.23% |
| Q2 2025 | 9.64% | 0.51% | 0.56% | 5.44% | 3.16% |
| Q1 2025 | 9.77% | 0.62% | 1.44% | 13.09% | 3.00% |
| Q4 2024 | 9.72% | 0.73% | 1.10% | 9.71% | 2.94% |
| Q3 2024 | 9.85% | 0.43% | 1.17% | 9.33% | 3.01% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Somerville Bank (main office) | Eaton , OH | 45320 | $74.8M |
| Eaton Branch | Eaton , OH | 45320 | $52.7M |
| Hamilton Branch | Hamilton , OH | 45013 | $31.9M |
| Camden Branch | Camden , OH | 45311 | $30.0M |
| Oxford Branch | Oxford , OH | 45056 | $29.6M |
| Somerville Branch | Somerville , OH | 45064 | $25.4M |
| New Lebanon Branch | New Lebanon , OH | 45345 | $10.1M |
| West Chester Branch | West Chester , OH | 45069 | $6.1M |
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.
| Date | Category | Event | Source |
|---|---|---|---|
| June 1, 1985 | Structure Change | Acquired Somerville Building, Loan, & Savings Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 4 against the institution (OCC); 1 against individuals associated with it
- March 29, 2016, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The Somerville National Bank
- May 29, 2014, OCC: Civil Money Penalty (CMP): The Somerville National Bank
- June 12, 2013, OCC: Formal Agreement: The Somerville National Bank
- June 3, 2003, OCC: Formal Agreement: The Somerville National Bank
- Period: Most recent institution action March 29, 2016. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in OH, rank 86 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 112 applications, 85 loans originated, $17.1M originated, across 4 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Somerville Bank
What are Somerville Bank's total assets?
As of the Q2 2026 filing, Somerville Bank reported total assets of $290.6 million in its FFIEC call report.
Where is Somerville Bank headquartered?
It is headquartered in Eaton, OH, United States.
When was Somerville Bank founded?
It was established in 1910, per the FDIC institution directory.
Is Somerville Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #6700). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Somerville Bank?
Somerville Bank's primary federal regulator is the FDIC.
How many branches does Somerville Bank operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Somerville Bank's Texas Ratio?
Its Texas Ratio is 8.83% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Somerville Bank previously called?
The charter now named Somerville Bank has also operated as The Somerville National Bank (2016-2017), per FDIC structure-change records.
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