BlastPoint's Banking Scorecard

Somerset Trust Company

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

Designations: ✓ Community bank

Somerset, PA

49 branches across PA · MD · VA

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 37 in PA.
Deposits -0.8% year over year ($2.0B on the books).
Delinquency rate 1.51%.
Return on assets 1.16%.
Efficiency ratio 66.33% vs a 59.73% peer average.
Loan-to-deposit ratio 80.22% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 37 in PA

View $1B-$10B leaderboard (PA) →

Somerset Trust Company has 1 strength but faces 5 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 0.55% above tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 34.3% in tier
- Flatlined Growth: Bottom 50.0% in tier
- ROA 0.23% below tier average
- Efficiency Ratio 6.60% above tier average
- Delinquency Rate 0.65% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$2.5B +0.8% YoY +0.3% QoQ	-$325.7M	$2.8B -0.6% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	61%
Total Loans ?	$1.6B -1.1% YoY -0.3% QoQ	-$361.2M	$2.0B -0.3% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	57%
Total Deposits ?	$2.0B -0.8% YoY -1.0% QoQ	-$321.9M	$2.3B -0.5% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	59%
Return on Assets ?	1.16% +17.2% YoY +4.8% QoQ	-0.23%	1.39% +17.0% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	42%
Net Interest Margin ?	4.42% +13.1% YoY +7.1% QoQ	+0.55%	3.87% +6.2% YoY	3.40% +8.7% YoY	3.95% +4.9% YoY	85%
Efficiency Ratio ?	66.33% -2.9% YoY -4.8% QoQ	+6.60%	59.73% -12.6% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	29%
Delinquency Rate ?	1.51% -36.2% YoY +0.5% QoQ	+0.65%	0.87% +11.7% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	16%
Loan-to-Deposit Ratio ?	80.22% -0.4% YoY +0.7% QoQ	-4.81%	85.04% -0.1% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	67%
Non-Interest-Bearing Deposit Share ?	21.88% -5.6% YoY -4.5% QoQ	+0.61%	21.27% -1.5% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	60%
Nonperforming Asset Ratio ?	0.99% -36.8% YoY +0.5% QoQ	+0.32%	0.67% +11.7% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	22%
Tier 1 Capital Ratio ?	12.72% +13.1% YoY +3.7% QoQ	-2.12%	14.84% -0.4% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	45%
Non-Interest Income / Assets ?	0.40% +8.2% YoY +101.7% QoQ	-0.12%	0.53% +2.5% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	71%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Noninterest-Bearing	21.9% -1.3pp YoY -1.0pp QoQ	+0.5pp	21.4%	18.7%	22.2%	60%
Brokered Deposits	3.4% +0.5pp YoY -0.2pp QoQ	-6.1pp	9.5%	6.8%	8.5%	37%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
C&I	20.5% -0.3pp YoY +0.8pp QoQ	+6.5pp	14.0%	8.6%	12.5%	81%
CRE	45.3% -2.6pp YoY -1.7pp QoQ	-4.7pp	50.0%	37.9%	41.4%	37%
1-4 Family	27.7% +3.1pp YoY +0.9pp QoQ	+1.2pp	26.4%	47.8%	31.3%	60%
Consumer	3.4% +0.1pp YoY +0.1pp QoQ	-1.3pp	4.7%	3.8%	5.0%	76%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
CET1 Ratio	12.7% +1.5pp YoY +0.5pp QoQ	-2.9pp	15.6%	22.3%	19.7%	37%
Leverage Ratio	9.1% +0.8pp YoY +0.1pp QoQ	-2.2pp	11.3%	13.2%	12.6%	14%
Total Capital Ratio	14.0% +1.5pp YoY +0.5pp QoQ	-2.7pp	16.7%	23.3%	20.8%	39%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Full-Time Employees	489 +18 (+3.8%) YoY +8 (+1.7%) QoQ	+175	313	299	482	82%
Assets per Employee ($)	$5.0M -2.9% YoY -1.3% QoQ	-$5.4M	$10.5M	$9.2M	$8.8M	4%
Branch Count	49 +3 (+6.5%) YoY 0 QoQ	+29	20	20	18	93%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% -0.8pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.2%	0.4%	74%
Nonaccrual	1.4% -0.1pp YoY 0.0pp QoQ	+0.6pp	0.8%	0.9%	1.0%	84%
Allowance Coverage	0.89x +67.2% YoY +1.0% QoQ	-17.82x	18.71x	3.63x	20.23x	19%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.1%	0.2%	71%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	14.8% -0.3pp YoY +0.4pp QoQ	+2.2pp	12.6%	10.2%	11.6%	72%
Cost of Funds (YTD)	1.7% -0.3pp YoY 0.0pp QoQ	-0.2pp	1.9%	1.8%	1.7%	40%
Net Income ($, YTD)	$14.2M +20.6% YoY — QoQ	-$5.0M	$19.2M	$18.2M	$40.4M	58%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (2)

Deposit Outflow

decline

#46 of 131 • Bottom 34.3% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

131 of 131 Mid-Market banks match · 686 nationally

→ Stable +31 banks QoQ

Flatlined Growth

risk

#82 of 162 • Bottom 50.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 1.16%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

162 of 162 Mid-Market banks match · 719 nationally

→ Stable +34 banks QoQ

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).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (1 metrics)

137

Net Interest Margin

profitability

Value: 4.42%

Peer Median: 3.87%

#137 of 885 Top 15.4% in $1B-$10B

Top Weaknesses (2 metrics)

744

Delinquency Rate

credit_quality

Value: 1.51%

Peer Median: 0.87%

#744 of 882 Bottom 15.8% in $1B-$10B

692

Nonperforming Asset Ratio

credit_quality

Value: 0.99%

Peer Median: 0.67%

#692 of 885 Bottom 21.9% in $1B-$10B