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Somerset Trust Company
Somerset, PA · FDIC Certificate #11112 · Chartered 01/0
Total assets
$2.47B
Total deposits
$2.00B
Total equity
$200.70M
Net loans
$1.60B
Branches (offices)
48
Net income (YTD)
$14.21M
Rank: #507 of 4,213 U.S. banks by assets · #24 of 109 in Pennsylvania. Assets changed 0.8% and deposits -0.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.16% |
| Return on equity | 14.77% |
| Net interest margin (YTD) | 4.42% |
| Equity to assets | 8.13% |
| Tier 1 leverage ratio | 9.10% |
| Uninsured deposits (share of deposits) | 31.2% |
| Noncurrent loans (share of loans) | 1.49% |
| Net charge-offs (share of loans) | 0.12% |
| Loans to deposits | 80.2% |
| Real estate loans (share of loans) | 74.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.20B | 74.7% | |
| Commercial & industrial | $327.69M | 20.5% | |
| Consumer / individual | $54.02M | 3.4% | |
| Construction & development | $132.27M | 8.3% | |
| Agricultural | $4.67M | 0.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.93B | $1.66B | $9.20M | $103.04M |
| Jun 2023 | $2.07B | $1.76B | $14.45M | $119.90M |
| Jun 2024 | $2.30B | $1.87B | $11.04M | $142.48M |
| Jun 2025 | $2.45B | $2.01B | $11.79M | $158.01M |
| Jun 2026 | $2.47B | $2.00B | $14.21M | $200.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Pennsylvania | $1.92B | 44 |
| Maryland | $62.29M | 3 |
| Virginia | $15.26M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.00B.
Similar-sized banks
Newtek Bank, National Association ($2.47B) · Cogent Bank ($2.45B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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