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Somerset Trust Company

$1B-$10B Specialty: Commercial PA FDIC cert 11112

Designations: ✓ Community bank

Somerset, PA

49 branches across PA · MD · VA

884 banks in the $1B-$10B peer group nationally 37 in PA
View $1B-$10B leaderboard (PA) →

Somerset Trust Company has 1 strength but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Net Interest Margin 0.31% above tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 11.4% in tier
  • - ROA 0.26% below tier average
  • - Efficiency Ratio 8.65% above tier average
Get updates when Somerset Trust Company releases new data →

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Total Assets ? $2.5B
+2.7% YoY +0.8% QoQ
-$355.6M $2.8B
-0.1% YoY
$3.1B
+7.0% YoY
$6.2B
+9.1% YoY
61%
Total Loans ? $1.6B
+3.6% YoY +1.1% QoQ
-$358.3M $2.0B
+0.6% YoY
$2.2B
+7.7% YoY
$3.2B
+10.8% YoY
57%
Total Deposits ? $2.0B
+3.7% YoY +0.5% QoQ
-$327.1M $2.3B
-0.3% YoY
$2.6B
+7.1% YoY
$4.8B
+8.2% YoY
60%
Return on Assets ? 1.10%
+23.5% YoY +6.4% QoQ
-0.26% 1.37%
+19.6% YoY
1.46%
+26.2% YoY
1.23%
+13.4% YoY
40%
Net Interest Margin ? 4.12%
+8.5% YoY +2.9% QoQ
+0.31% 3.82%
+6.9% YoY
3.32%
+8.7% YoY
3.89%
+5.7% YoY
77%
Efficiency Ratio ? 69.71%
-0.4% YoY +2.7% QoQ
+8.65% 61.06%
-4.6% YoY
69.09%
-7.7% YoY
66.95%
-4.1% YoY
24%
Delinquency Rate ? 1.51%
+5.4% YoY -29.4% QoQ
+0.62% 0.89%
+14.1% YoY
0.92%
+20.5% YoY
0.95%
+18.8% YoY
16%
Loan-to-Deposit Ratio ? 79.68%
-0.0% YoY +0.6% QoQ
-4.52% 84.20%
+0.3% YoY
83.35%
-0.2% YoY
76.70%
+0.9% YoY
67%
Non-Interest-Bearing Deposit Share ? 22.90%
+3.4% YoY +3.2% QoQ
+1.61% 21.29%
-2.5% YoY
17.71%
-0.1% YoY
22.01%
-1.2% YoY
64%
Nonperforming Asset Ratio ? 0.99%
+4.0% YoY -29.1% QoQ
+0.31% 0.67%
+15.6% YoY
0.67%
+14.7% YoY
0.67%
+19.3% YoY
21%
Tier 1 Capital Ratio ? 12.27%
+7.8% YoY +1.4% QoQ
-2.89% 15.16%
+2.0% YoY
20.10%
+0.3% YoY
17.06%
+0.8% YoY
37%
Non-Interest Income / Assets ? 0.20%
+8.7% YoY -75.2% QoQ
-0.06% 0.26%
+1.6% YoY
0.69%
+18.0% YoY
0.32%
+4.1% YoY
72%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Risk Growth

risk
#49 of 420 • Bottom 11.4% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

420 of 420 Mid-Market banks match · 1464 nationally
→ Stable -10 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 884 peers in $1B-$10B

Top Strengths (1 metrics)

203
Net Interest Margin
profitability
Value: 4.12%
Peer Median: 3.82%
#203 of 884 Top 22.9% in $1B-$10B

Top Weaknesses (3 metrics)

744
Delinquency Rate
credit_quality
Value: 1.51%
Peer Median: 0.89%
#744 of 880 Bottom 15.6% in $1B-$10B
702
Nonperforming Asset Ratio
credit_quality
Value: 0.99%
Peer Median: 0.67%
#702 of 884 Bottom 20.7% in $1B-$10B
677
Efficiency Ratio
profitability
Value: 69.71%
Peer Median: 61.06%
#677 of 884 Bottom 23.5% in $1B-$10B
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