TellerScore

Somerset Trust Company is a state-chartered bank headquartered in Somerset, Pennsylvania, in business for about 137 years. At the end of Q2 2026 it reported $2.5B in total assets and $2.0B in deposits, with 51 offices across 3 states.

Based on its Q2 2026 filing, Somerset Trust Company scores 55/100, which we describe as moderate. That is higher than only 13% of 897 banks with $1 billion – $10 billion. Among 110 banks headquartered in Pennsylvania, it ranks 89th. Its strongest component is problem-loan coverage (78/100; 11.0%), and its lowest is capital cushion (41/100; 9.10%).

TellerScore · Q2 2026

Scorecard

Capital cushion41/100
Tier 1 leverage ratio: 9.10%
Loan quality50/100
Noncurrent loans ÷ total loans: 1.49%
Earnings66/100
Return on assets (annualized): 1.16%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 80.2% · 31.2% uninsured
Problem-loan coverage78/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 11.03%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 12 points (43 → 55), mostly because the loan quality component improved by 28 points.

TellerScore
434955Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202455
Q3 202454
Q4 202453
Q1 202552
Q2 202543
Q3 202548
Q4 202547
Q1 202654
Q2 202655
Tier 1 leverage ratio
5.00%7.05%9.10%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20248.11%
Q3 20248.23%
Q4 20248.43%
Q1 20258.57%
Q2 20258.35%
Q3 20258.42%
Q4 20258.64%
Q1 20268.96%
Q2 20269.10%
Noncurrent loans
1.02%1.68%2.34%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.02%
Q3 20241.27%
Q4 20241.38%
Q1 20251.41%
Q2 20252.34%
Q3 20251.84%
Q4 20252.11%
Q1 20261.49%
Q2 20261.49%
Return on assets
0.89%1.03%1.16%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.98%
Q3 20241.06%
Q4 20241.07%
Q1 20250.89%
Q2 20250.99%
Q3 20251.04%
Q4 20251.04%
Q1 20261.10%
Q2 20261.16%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202655$2.5B9.10%1.49%1.16%80.2%
Q1 202654$2.5B8.96%1.49%1.10%79.7%
Q4 202547$2.4B8.64%2.11%1.04%79.2%
Q3 202548$2.5B8.42%1.84%1.04%78.8%
Q2 202543$2.4B8.35%2.34%0.99%80.5%
Q1 202552$2.4B8.57%1.41%0.89%79.7%
Q4 202453$2.3B8.43%1.38%1.07%81.0%
Q3 202454$2.4B8.23%1.27%1.06%78.8%
Q2 202455$2.3B8.11%1.02%0.98%78.6%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio9.10%
15th
Total risk-based capital13.97%
54th
Problem loans1.49%
16th
Net charge-offs0.12%
27th
Return on assets1.16%
42nd
Net interest margin4.42%
85th
Efficiency ratio66.3%
29th
Loans to deposits80.2%
67th
Uninsured deposits31.2%
48th
Loan-loss reserves1.33%
73rd
Texas ratio11.0%
14th

Similar-size banks in Pennsylvania

InstitutionScoreAssetsCapitalProblem loansCompare
The Ephrata National BankBank Ephrata, PA67 out of 100, Moderate$2.4B9.6%0.54%vs
QNB BankBank Quakertown, PA63 out of 100, Moderate$2.4B9.8%0.61%vs
Meridian BankBank Wayne, PA34 out of 100, Low$2.6B9.7%3.68%vs
Farmers and Merchants Trust Company of ChambersburgBank Chambersburg, PA60 out of 100, Moderate$2.3B8.8%1.10%vs
Kish BankBank Belleville, PA58 out of 100, Moderate$2.1B8.9%0.57%vs
Wayne BankBank Honesdale, PA53 out of 100, Below average$2.9B8.8%1.21%vs

Deposit insurance

Is my money safe at Somerset Trust Company?

Yes. Somerset Trust Company is an FDIC-insured institution (FDIC certificate #11112). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 31.2% of deposits ($622.4M) are above the $250,000 FDIC insurance limit, close to the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.10%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 13.97% (benchmark: 10%).

Check how much of your own balance is covered

51 locations

Branches

Somerset Trust Company lists 49 offices in 29 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Somerset Trust Company reported 1,285 home-loan applications under HMDA (LEI 549300D1PL8LHKCBST97): 1,076 originated ($139,090,000 total), 117 denied, and 70 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.6%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Somerset Trust Company
Type
State-chartered bank
FDIC certificate #
11112
RSSD ID
212522
Primary regulator
FDIC
Holding company
Somerset Trust Holding Co
Established
January 1, 1889
Headquarters
151 W Main St, Somerset, PA 15501
Employees
489

Quick answers

Somerset Trust Company: common questions

Is Somerset Trust Company FDIC insured?

Yes. Somerset Trust Company is an FDIC-insured institution (FDIC certificate #11112). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Somerset Trust Company's TellerScore?

55 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Somerset Trust Company ever failed?

There is no failure record for FDIC certificate #11112 in the FDIC failed bank list.

How many branches does Somerset Trust Company have?

51 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Somerset

InstitutionScoreAssetsCapitalProblem loansCompare
G.A.P. Federal Credit UnionCredit union Johnstown, PA87 out of 100, Very strong$79.0M13.7%0.74%vs
Commercial Bank and Trust of PABank Latrobe, PA86 out of 100, Very strong$357.5M14.7%0.14%vs
Dertown School Federal Credit UnionCredit union Latrobe, PA84 out of 100, Strong$12.3M30.4%0.00%vs
Lesco Federal Credit UnionCredit union Latrobe, PA83 out of 100, Strong$134.7M14.9%1.36%vs
First Peoples Community Federal Credit UnionCredit union Cumberland, MD80 out of 100, Strong$666.1M13.6%0.53%vs
Ussco Johnstown Federal Credit UnionCredit union Johnstown, PA78 out of 100, Strong$173.7M12.5%0.37%vs