Side-by-side · Q2 2026 data
QNB Bank vs Somerset Trust Company
Metric by metric
| Measure | QNB Bank | Somerset Trust Company |
|---|---|---|
| TellerScore | 63 (stronger) | 55 |
| Capital cushion | 48 (stronger) | 41 |
| Loan quality | 80 (stronger) | 50 |
| Earnings | 52 | 66 (stronger) |
| Funding & liquidity | 59 | 62 (stronger) |
| Problem-loan coverage | 91 (stronger) | 78 |
| Peer percentile | 30th | 13th |
| Total assets | $2.4B | $2.5B |
| Deposits / shares | $2.1B | $2.0B |
| Capital ratio | 9.84% (stronger) | 9.10% |
| Problem loans | 0.61% (stronger) | 1.49% |
| Net charge-offs | -0.00% (stronger) | 0.12% |
| Return on assets | 0.81% | 1.16% (stronger) |
| Loans ÷ deposits | 82.3% | 80.2% (stronger) |
| Uninsured deposits | 32.1% | 31.2% (stronger) |
| Offices | 14 | 49 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 14.5% | 9.6% |
QNB Bank has the higher TellerScore (63 vs 55). On the 7 directional measures above (where higher or lower is clearly better), QNB Bank leads on 4 and Somerset Trust Company on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.