Side-by-side · Q2 2026 data
Wayne Bank vs Somerset Trust Company
Metric by metric
| Measure | Wayne Bank | Somerset Trust Company |
|---|---|---|
| TellerScore | 53 | 55 (stronger) |
| Capital cushion | 38 | 41 (stronger) |
| Loan quality | 60 (stronger) | 50 |
| Earnings | 59 | 66 (stronger) |
| Funding & liquidity | 47 | 62 (stronger) |
| Problem-loan coverage | 81 (stronger) | 78 |
| Peer percentile | 11th | 13th |
| Total assets | $2.9B | $2.5B |
| Deposits / shares | $2.5B | $2.0B |
| Capital ratio | 8.82% | 9.10% (stronger) |
| Problem loans | 1.21% (stronger) | 1.49% |
| Net charge-offs | 0.17% | 0.12% (stronger) |
| Return on assets | 0.97% | 1.16% (stronger) |
| Loans ÷ deposits | 88.4% | 80.2% (stronger) |
| Uninsured deposits | 37.0% | 31.2% (stronger) |
| Offices | 32 | 49 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 25.8% | 9.6% |
Somerset Trust Company has the higher TellerScore (55 vs 53). On the 7 directional measures above (where higher or lower is clearly better), Wayne Bank leads on 1 and Somerset Trust Company on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.