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.
FDIC Call Report plate
Cert 11112 · PA B · 73/100
GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-PAR · SIZE-REGIONAL · BOOK-FULL
- GRADE-B B (73/100)
- MID-PACK #2713/4307
- PHOTO-FINISH Bonanza Valley State… · MN
- TIER1-WELL 12.1% Tier 1
- TEXAS-HEALTHY 16.2% Texas
- ROA-PAR 1.04% ROA
- SIZE-REGIONAL $1–10B
- BOOK-FULL 9/9 fields
Nearest health peer outside Pennsylvania: Bonanza Valley State Bank, MN (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Somerset Trust Company
Lowest and highest poles plus nearest scored peers outside Pennsylvania, not a full FDIC corpus board reprint.
Call Report read for Somerset Trust Company in a high-failure state
Somerset Trust Company (FDIC Cert #11112) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,713 of 4,307. Tier 1 capital prints at 12.09%, clearing the 10% well-capitalized line. The Texas Ratio is 16.17%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.04%. Balance-sheet scale is $2.4B, 513th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bonanza Valley State Bank (MN), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Somerset Trust Company
11 FAILURE resolutions in Pennsylvania since 2000, heavy vs the state corpus
Somerset Trust Company sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2024). The list below is state history from the Failed Bank List, not a claim about Somerset Trust Company's current Call Report.
- REPUBLIC BANK PHILADELPHIA, PA 2024 → FULTON BANK, NATIONAL ASSOCIATION
- FIRST CORNERSTONE BANK KING OF PRUSSIA, PA 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
- VANTAGE POINT BANK HORSHAM, PA 2014 → FIRST CHOICE BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Pennsylvania banks.
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.
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: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
73 37th percentile higher than 37% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
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.
Capital & credit buffers at Somerset Trust Company
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
Earnings posture at Somerset Trust Company
Return on Assets (ROA)
46th percentile nationally
1.04%
Return on Equity (ROE)
15.02%
Efficiency Ratio
67.87%
Income & expense at Somerset Trust Company
$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
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($2.4B here), outside Pennsylvania so the neighborhood is not state containment.
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.
Somerset Trust Company Call Report profile · FDIC Failed Bank List · Pennsylvania FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
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% |