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Somerville Bank
Eaton, OH · FDIC Certificate #6700 · Chartered 10/1
Total assets
$290.63M
Total deposits
$260.66M
Total equity
$22.99M
Net loans
$197.92M
Branches (offices)
8
Net income (YTD)
$1.07M
Rank: #2,520 of 4,213 U.S. banks by assets · #76 of 155 in Ohio. Assets changed 5.4% and deposits 4.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.74% |
| Return on equity | 9.72% |
| Net interest margin (YTD) | 3.34% |
| Equity to assets | 7.91% |
| Tier 1 leverage ratio | 9.54% |
| Uninsured deposits (share of deposits) | 11.0% |
| Noncurrent loans (share of loans) | 1.10% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 75.9% |
| Real estate loans (share of loans) | 77.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $153.27M | 77.4% | |
| Commercial & industrial | $32.58M | 16.5% | |
| Consumer / individual | $4.10M | 2.1% | |
| Construction & development | $5.04M | 2.5% | |
| Agricultural | $10.13M | 5.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $258.56M | $233.27M | $933.00K | $15.82M |
| Jun 2023 | $264.69M | $228.59M | $910.00K | $17.31M |
| Jun 2024 | $262.69M | $223.67M | $695.00K | $18.98M |
| Jun 2025 | $275.65M | $249.27M | $797.00K | $18.76M |
| Jun 2026 | $290.63M | $260.66M | $1.07M | $22.99M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $260.66M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $260.66M.
Similar-sized banks
Georgia First Bank ($290.75M) · Liberty Bank Minnesota ($290.25M)
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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