| Metric | Somerset Trust Company | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.8% | +5.5% | -4.6 pts |
| Deposit growth (YoY) | -0.8% | +5.1% | -5.8 pts |
| Loan growth (YoY) | -1.1% | +5.9% | -7.0 pts |
| ROA | 1.16% | 1.26% | -0.1 pts |
| ROE | 14.8% | 12.2% | +2.6 pts |
ROA ranks in the 41st percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.47B | $2.00B | $1.60B | $200.7M | $14.2M | 1.16% | 4.42% | 0.99% |
| Q1 2026 | $2.46B | $2.02B | $1.61B | $187.8M | $6.8M | 1.10% | 4.12% | 0.99% |
| Q4 2025 | $2.44B | $2.01B | $1.59B | $188.8M | $25.1M | 1.04% | 4.01% | 1.39% |
| Q3 2025 | $2.49B | $2.06B | $1.62B | $178.4M | $18.8M | 1.04% | 3.92% | 1.21% |
| Q2 2025 | $2.45B | $2.01B | $1.62B | $158.0M | $11.8M | 0.99% | 3.91% | 1.57% |
| Q1 2025 | $2.40B | $1.94B | $1.55B | $159.1M | $5.3M | 0.89% | 3.80% | 0.95% |
| Q4 2024 | $2.32B | $1.88B | $1.52B | $151.2M | $24.5M | 1.07% | 3.80% | 0.93% |
| Q3 2024 | $2.36B | $1.90B | $1.50B | $159.9M | $18.1M | 1.06% | 3.80% | 0.83% |
Loan mix (Q2 2026): real estate $1.20B · commercial $327.7M · consumer $54.0M · securities $640.5M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Somerset Trust Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.16% | 1.26% | 41th | |
Return on equity Annualized net income ÷ equity or net worth | 14.8% | 12.2% | 72th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.42% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 66.3% | 59.0% | 71th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Somerset Trust Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Somerset Trust Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Somerset Trust Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Somerset Trust Company | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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