Somerset Trust Company: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Headquartered in Somerset, Somerset Trust Company serves the Pennsylvania market as a community-focused commercial bank. The Q2 2026 balance sheet stands at $2.5B in assets, including $1.6B in loans. Earnings are mid-range, 1.19% ROA and a 4.72% net interest margin. Capital is comfortably above regulatory requirements, CET1 ratio of 12.72% sits well above the 7% level required once the capital conservation buffer is included. Asset quality is solid, 1.43% nonperforming loans and a 11.13% Texas Ratio. Its footprint covers 51 branches concentrated in Pennsylvania.
As of June 30, 2026, Somerset Trust Company reported a CET1 capital ratio of 12.72%, a return on assets of 1.19%, a nonperforming-loan ratio of 1.43%, a Texas ratio of 11.13%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 151 W Main St, Somerset, PA 15501
- County
- Somerset
- Metro Area
- Somerset, PA
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- New York (Region 2)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- January 1, 1889
- Offices
- 51 domestic
- Employees (FTE)
- 489
- Domestic deposits
- $2.00B
- Allowance for credit losses
- $21.5M
- Net charge-offs (YTD)
- $990K
- Average total assets
- $2.51B
- Average total loans
- $1.63B
- Average interest-bearing deposits
- $1.54B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11112
- Fed RSSD
- 212522
- SEC CIK
- 1108824 → filed by SOMERSET TRUST HOLDING COMPANY
- Website
- somersettrust.com →
- Parent Holding Company
- SOMERSET TRUST HOLDING COMPANY (RSSD 2914857)
Profitability
Capital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Somerset Trust Company terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Somerset Trust Company, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Somerset Trust Company rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.72% | 1.19% | 1.43% | 11.13% | 4.72% |
| Q1 2026 | 12.27% | 1.09% | 1.38% | 11.74% | 4.18% |
| Q4 2025 | 12.09% | 1.01% | 1.39% | 16.30% | 4.24% |
| Q3 2025 | 11.41% | 1.11% | 1.77% | 15.30% | 3.95% |
| Q2 2025 | 11.24% | 1.06% | 1.53% | 21.71% | 4.00% |
| Q1 2025 | 11.38% | 0.90% | 1.29% | 12.92% | 3.82% |
| Q4 2024 | 11.42% | 1.11% | 1.30% | 12.90% | 3.76% |
| Q3 2024 | 11.14% | 1.22% | 0.96% | 11.11% | 3.84% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 48 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Somerset Trust Company (main office) | Somerset , PA | 15501 | $509.2M |
| Richland Branch | Johnstown , PA | 15904 | $124.1M |
| Connellsville Office at the Train Station Complex | Connellsville , PA | 15425 | $112.4M |
| Berlin Branch | Berlin , PA | 15530 | $86.9M |
| Ligonier Branch | Ligonier , PA | 15658 | $73.1M |
| Bedford Office Branch | Bedford , PA | 15522 | $72.3M |
| Perryopolis Branch Office | Perryopolis , PA | 15473 | $57.7M |
| Champion Branch | Champion , PA | 15622 | $53.7M |
| Somerset Plaza Branch | Somerset , PA | 15501 | $52.4M |
| Somerset Trust - Uniontown Branch | Uniontown , PA | 15401 | $49.4M |
| Confluence Office Branch | Confluence , PA | 15424 | $45.1M |
| Greensburg Office | Greensburg , PA | 15601 | $44.8M |
| Johnstown Office | Johnstown , PA | 15901 | $44.8M |
| Somerset Trust Company - Scottdale Branch | Scottdale , PA | 15683 | $43.0M |
| Westmont Branch | Johnstown , PA | 15905 | $42.0M |
| Meyersdale Office Branch | Meyersdale , PA | 15552 | $36.4M |
| Glades Pike Office | Somerset , PA | 15501 | $36.0M |
| Frostburg Branch Office | Frostburg , MD | 21532 | $35.7M |
| Somerset Trust Company - Irwin Branch | North Huntingdon , PA | 15642 | $35.0M |
| Vinco Branch | Johnstown , PA | 15909 | $33.3M |
| Fishertown Branch Office | Fishertown , PA | 15539 | $32.9M |
| Meyersdale Southside Branch | Meyersdale , PA | 15552 | $31.3M |
| Hooversville Branch | Hooversville , PA | 15936 | $30.4M |
| Boswell Office | Boswell , PA | 15531 | $29.9M |
| National Pike Office | Markleysburg , PA | 15459 | $29.7M |
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 |
|---|---|---|---|
| October 1, 2019 | M&A | merger | SEC |
| October 1, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 2019 | Structure Change | Acquired First Bank of Lilly 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 3 events.
Regulatory record
What the public regulatory sources show for Somerset Trust Company, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- None against the institution on file; 1 against individuals associated with it
- Period: Most recent action July 2, 1996. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.3% of deposits in PA, rank 37 of 148 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,285 applications, 1,076 loans originated, $139.1M originated, across 9 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Somerset Trust Company
What are Somerset Trust Company's total assets?
As of the Q2 2026 filing, Somerset Trust Company reported total assets of $2.47 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Somerset Trust Company headquartered?
Somerset Trust Company is headquartered in Somerset, PA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Somerset Trust Company founded?
Somerset Trust Company was established in 1889, per the FDIC institution directory.
Is Somerset Trust Company FDIC-insured?
Yes. Somerset Trust Company is an FDIC-insured commercial bank (FDIC Certificate #11112). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Somerset Trust Company?
Somerset Trust Company's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Somerset Trust Company's CET1 capital ratio?
Somerset Trust Company reported a Common Equity Tier 1 (CET1) capital ratio of 12.72% in its Q2 2026 call report, above regulatory requirements.
How many branches does Somerset Trust Company operate?
Somerset Trust Company operates 51 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Somerset Trust Company's Texas Ratio?
Somerset Trust Company's Texas Ratio is 11.13% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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