What is Somerville Bank's financial health grade?

Somerville Bank has a TFS Financial Health Grade of D (score: 63.4/100). This grade is based on capital adequacy, asset quality, earnings, and consumer protection metrics.

How many branches does Somerville Bank have?

Somerville Bank has 8 branch locations across the United States.

Is Somerville Bank FDIC insured?

Yes, Somerville Bank is FDIC insured (Certificate #6700).

What are the total assets of Somerville Bank?

Somerville Bank has total assets of $286.7M as reported in its most recent FDIC filing.

Somerville Bank

BankEaton, Ohio

www.somervillebank.net

Total Assets

$286.7M

Total Deposits

$257.8M

Branches

Established

1910

TFS Health Grade

63.4 / 100

Below average financial health

How we grade

Somerville Bank is a bank headquartered in Eaton, Ohio, established in 1910. With $286.7M in total assets and 8 branch locations, it has a TFS Financial Health Grade of D (63.4/100).

Capital & Safety

Tier 1 Capital Ratio

9.57%(8%)

Total Capital Ratio

0.00%(10%)

Non-Performing Loan Ratio

1.13%

Profitability

Return on Assets (ROA)

0.58%(1%)

Return on Equity (ROE)

8.07%(10%)

Net Interest Margin

3.17%

Efficiency Ratio

81.59%(60%)

Lending & Liquidity

Total Loans

$206.6M

Loan-to-Deposit Ratio

79.31%

Net Charge-Off Ratio

0.04%

Growth

Asset Growth (YoY)

+7.47%

Deposit Growth (YoY)

+10.07%

Net Income

$1.6M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

Branch	Address	City	State	Type
Somerville BankHQ	601 Hillcrest Dr	Eaton	OH	11
Somerville Bank	4 S Main St	Camden	OH	11
Somerville Bank	1131 N Barron St	Eaton	OH	11
Somerville Bank	75 N Brookwood Ave	Hamilton	OH	11
Somerville Bank	695 W Main St	New Lebanon	OH	11
Somerville Bank	5200 College Corner Pike	Oxford	OH	11
Somerville Bank	197 S Main St	Somerville	OH	11
Somerville Bank	8671 Union Centre Pavillion Drive	West Chester	OH	11

Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.