Somerset Trust Company

BankSomerset, Pennsylvania
somersettrust.com

Total Assets

$2.4B

Total Deposits

$2.0B

Branches

47

Established

1889

TFS Health Grade

$
C-

70.5 / 100

Average financial health

How we grade

Somerset Trust Company is a bank headquartered in Somerset, Pennsylvania, established in 1889. With $2.4B in total assets and 47 branch locations, it has a TFS Financial Health Grade of C- (70.5/100).

Capital & Safety

Tier 1 Capital Ratio
8.63%(8%)
Total Capital Ratio
13.34%(10%)
Non-Performing Loan Ratio
2.23%

Profitability

Return on Assets (ROA)
1.04%(1%)
Return on Equity (ROE)
15.02%(10%)
Net Interest Margin
3.99%
Efficiency Ratio
67.87%(60%)

Lending & Liquidity

Total Loans
$1.6B
Loan-to-Deposit Ratio
79.32%
Net Charge-Off Ratio
0.06%

Growth

Asset Growth (YoY)
+5.47%
Deposit Growth (YoY)
+6.65%
Net Income
$25.1M

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.

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