Somerville Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Core deposits to total deposits: 1.00 percentage points higher than in Q1 2026, at 89.10%. Somerville Bank ranks 102nd of 156 Ohio banks on return on assets, in the lower half at 0.82% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Somerville Bank sits 0.43 points lower, at 0.82% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.54% |
| Equity capital to assets | 7.91% |
| Tangible equity to tangible assets | 7.84% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.84% |
| Non-performing assets ratio | 0.58% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 11.50% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | 130.93% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.82% |
| Return on equity | 11.03% |
| Net interest margin | 3.42% |
| Efficiency ratio | 74.14% |
| Yield on earning assets | 5.21% |
| Cost of funds | 1.93% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 76.77% |
| Core deposits to total deposits | 89.10% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.69% |
| Securities to assets | 24.50% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.52% | 0.72% | 3.06% | 0.66% | 0.00% |
| Q4 2023 | 9.61% | 0.61% | 2.90% | 0.63% | 0.00% |
| Q1 2024 | 9.71% | 0.41% | 2.81% | 0.76% | 0.00% |
| Q2 2024 | 9.70% | 0.61% | 2.93% | 1.01% | -0.00% |
| Q3 2024 | 9.85% | 0.43% | 3.01% | 1.20% | 0.00% |
| Q4 2024 | 9.72% | 0.73% | 2.94% | 1.17% | 0.02% |
| Q1 2025 | 9.77% | 0.62% | 3.00% | 1.01% | 0.01% |
| Q2 2025 | 9.64% | 0.51% | 3.16% | 0.72% | 0.03% |
| Q3 2025 | 9.63% | 0.48% | 3.23% | 0.86% | 0.00% |
| Q4 2025 | 9.57% | 0.64% | 3.23% | 0.79% | 0.10% |
| Q1 2026 | 9.46% | 0.62% | 3.20% | 0.82% | 0.00% |
| Q2 2026 | 9.54% | 0.82% | 3.42% | 0.84% | 0.01% |
Somerville Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Somerville Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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 Somerville Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 6700) · FFIEC NIC profile (RSSD 411624)