TellerScore

Headquartered in Eaton, Ohio, Somerville Bank is a state-chartered bank with $290.6M in total assets and $260.7M in deposits as of Q2 2026. It operates 8 offices. Its charter dates back to 1910.

Somerville Bank has a TellerScore of 60 out of 100 (moderate) based on Q2 2026 data — higher than only 19% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 135th. Funding & liquidity contributes the most (84/100, 76% loans-to-deposits, 11% uninsured); capital cushion contributes the least (45/100, 9.54%).

TellerScore · Q2 2026

Scorecard

Capital cushion45/100
Tier 1 leverage ratio: 9.54%
Loan quality63/100
Noncurrent loans ÷ total loans: 1.10%
Earnings50/100
Return on assets (annualized): 0.74%
Funding & liquidity84/100
Loans ÷ deposits and uninsured-deposit share: 75.9% · 11.0% uninsured
Problem-loan coverage83/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 8.74%

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 fell 4 points (64 → 60), mostly because the loan quality component weakened by 18 points.

TellerScore
535964Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202457
Q3 202457
Q4 202458
Q1 202556
Q2 202564
Q3 202553
Q4 202558
Q1 202656
Q2 202660
Tier 1 leverage ratio
5.00%7.42%9.85%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.70%
Q3 20249.85%
Q4 20249.72%
Q1 20259.77%
Q2 20259.64%
Q3 20259.63%
Q4 20259.57%
Q1 20269.46%
Q2 20269.54%
Noncurrent loans
0.56%1.12%1.67%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20241.14%
Q3 20241.17%
Q4 20241.10%
Q1 20251.44%
Q2 20250.56%
Q3 20251.67%
Q4 20251.13%
Q1 20261.41%
Q2 20261.10%
Return on assets
0.50%0.62%0.74%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.53%
Q3 20240.50%
Q4 20240.56%
Q1 20250.64%
Q2 20250.59%
Q3 20250.56%
Q4 20250.58%
Q1 20260.63%
Q2 20260.74%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202660$290.6M9.54%1.10%0.74%75.9%
Q1 202656$294.3M9.46%1.41%0.63%75.3%
Q4 202558$286.7M9.57%1.13%0.58%79.3%
Q3 202553$280.4M9.63%1.67%0.56%78.0%
Q2 202564$275.6M9.64%0.56%0.59%80.0%
Q1 202556$272.2M9.77%1.44%0.64%76.9%
Q4 202458$266.8M9.72%1.10%0.56%80.8%
Q3 202457$263.5M9.85%1.17%0.50%82.6%
Q2 202457$262.7M9.70%1.14%0.53%83.9%

2,650 peers · $100 million – $1 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 ratio9.54%
22nd
Total risk-based capital0.00%
24th
Problem loans1.10%
25th
Net charge-offs0.01%
51st
Return on assets0.74%
20th
Net interest margin3.34%
21st
Efficiency ratio77.7%
17th
Loans to deposits75.9%
58th
Uninsured deposits11.0%
92nd
Loan-loss reserves1.10%
38th
Texas ratio8.7%
21st

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
First Federal Savings and Loan AssociationBank Newark, OH70 out of 100, Strong$293.5M14.2%1.28%vs
Peoples State BankBank New Lexington, OH61 out of 100, Moderate$286.5M8.3%0.60%vs
The Fort Jennings State BankBank Fort Jennings, OH75 out of 100, Strong$285.8M12.7%1.09%vs
Community SavingsBank Caldwell, OH70 out of 100, Strong$284.7M12.4%0.88%vs
SSB Community BankBank Strasburg, OH67 out of 100, Moderate$296.8M7.4%0.14%vs
First Federal Bank of OhioBank Galion, OH75 out of 100, Strong$282.9M13.7%0.93%vs

Deposit insurance

Is my money safe at Somerville Bank?

Yes. Somerville Bank is an FDIC-insured institution (FDIC certificate #6700). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.0% of deposits ($28.6M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.54%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Somerville Bank lists 8 offices in 7 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Somerville Bank reported 111 home-loan applications under HMDA (LEI 549300FHRL270LZY2I23): 85 originated ($17,145,000 total), 10 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 9.0%, 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
Somerville Bank
Former names
The Somerville National Bank
Type
State-chartered bank
FDIC certificate #
6700
RSSD ID
411624
Primary regulator
FDIC
Holding company
Somerville Bcorp
Established
October 10, 1910
Headquarters
601 Hillcrest Dr, Eaton, OH 45320
Employees
56

Quick answers

Somerville Bank: common questions

Is Somerville Bank FDIC insured?

Yes. Somerville Bank is an FDIC-insured institution (FDIC certificate #6700). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Somerville Bank's TellerScore?

60 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 Somerville Bank ever failed?

There is no failure record for FDIC certificate #6700 in the FDIC failed bank list.

How many branches does Somerville Bank have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Eaton

InstitutionScoreAssetsCapitalProblem loansCompare
Health Care Professionals Federal Credit UnionCredit union Richmond, IN96 out of 100, Very strong$41.6M18.6%0.00%vs
Wayne County Federal Credit UnionCredit union Richmond, IN89 out of 100, Very strong$13.5M14.3%0.00%vs
Greenville National BankBank Greenville, OH86 out of 100, Very strong$641.5M13.0%0.05%vs
Middletown Area Schools Credit UnionCredit union Middletown, OH84 out of 100, Strong$11.3M15.2%1.09%vs
Miami Savings BankBank Miamitown, OH83 out of 100, Strong$148.3M23.2%0.43%vs
Day Air Credit UnionCredit union Kettering, OH82 out of 100, Strong$908.8M14.6%0.96%vs