Total Assets
$2.4B
Total balance-sheet footings
FDIC Cert #11112 · Somerset, Pennsylvania · Est. 1889
Somerset Trust Company - FDIC Bank Health Profile
A community-scale look at Somerset Trust Company's own numbers, pulled straight from its quarterly FDIC Call Report.
- $2.4B
- Total assets
- B
- Health grade · Good
- 1.04%
- Return on assets
- 12.1%
- Tier 1 capital
Data updated July 2026
The verdict
Somerset Trust Company earns a PlainBankData health grade of B (73/100), with well-capitalized at 12.09% Tier 1, profitable at 1.04% ROA, 68% efficiency ratio.
- #513
- largest of 4,313 FDIC banks by assets
- 88th
- percentile by asset size, nationally
- 12.09%
- Tier 1 ratio - above the 10% well-capitalized line
- 46th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How Somerset Trust Company's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Somerset Trust Company's composite health score
Tier 1 Capital Ratio (12.09%) 35/40
Return on Assets (ROA) (1.04%) 20/25
Texas Ratio (16.17%) 10/20
Efficiency Ratio (67.87%) 8/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$2.0B
Customer-funded liabilities
Net Loans
$1.6B
Outstanding loan book
Net Income
$25M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Somerset Trust Company ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Somerset Trust Company's score of 73/100 falls in the highlighted band.
Somerset Trust Company's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Somerset Trust Company's $2.4B falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.09% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.09%
Texas Ratio
16.17%
Equity Capital
$189M
Profitability metrics
Return on Assets (ROA)
46th percentile nationally
1.04%
Return on Equity (ROE)
15.02%
Efficiency Ratio
67.87%
What the numbers say about Somerset Trust Company
Somerset Trust Company is an FDIC-insured institution (Certificate #11112) headquartered in Somerset, Pennsylvania, established in 1889. It holds $2.4B in total assets - 513th of 4,313 FDIC-insured banks, $2.0B in customer deposits, and $1.6B in net loans. Capital-wise, the Tier 1 ratio sits at 12.09%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 16.17%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (73 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Somerset Trust Company sits 24th of 112 banks headquartered in Pennsylvania by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$134M
Interest Income
$20M
Non-Interest Income
$74M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Somerset Trust Company reports a Texas Ratio of 16.17% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
16.17% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Pennsylvania by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Somerset Trust Company (FDIC Cert #11112) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Pennsylvania
All Pennsylvania banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| First National Bank of PennsylvaniaGreenville | $50.0B | A | 1.29% |
| Fulton Bank, National AssociationLancaster | $32.0B | A | 1.33% |
| BNY Mellon, National AssociationPittsburgh | $31.3B | B | 0.94% |
| Customers BankMalvern | $24.9B | A | 1.01% |
| TriState Capital BankPittsburgh | $23.3B | A | 0.78% |
| Northwest BankWarren | $16.8B | B | 0.92% |
| Dollar Bank, Federal Savings BankPittsburgh | $12.5B | B | 0.53% |
| First Commonwealth BankIndiana | $12.3B | B | 1.33% |
Frequently asked questions
What is Somerset Trust Company's health grade?▼
Somerset Trust Company receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Somerset Trust Company?▼
Somerset Trust Company holds $2.4B in total assets and $2.0B in deposits, ranking 513th of 4,313 FDIC-insured banks by asset size. It is headquartered in Somerset, Pennsylvania.
Is my money safe at Somerset Trust Company?▼
Yes, deposits at Somerset Trust Company (Certificate #11112) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Somerset Trust Company's Tier 1 Capital Ratio?▼
Somerset Trust Company has a Tier 1 Capital Ratio of 12.09%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Somerset Trust Company?▼
Somerset Trust Company has a Texas Ratio of 16.17%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Somerset Trust Company?▼
Somerset Trust Company has an Efficiency Ratio of 67.87%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Somerset Trust Company's profile as a depositor or analyst.
- Somerset Trust Company's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Somerset Trust Company against other Pennsylvania banks before moving funds. Pennsylvania banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.