# SOMERSET TRUST CO
SOMERSET, PA · FDIC certificate 11112 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.47B | |
| Deposits | $2.00B | |
| Loans and leases | $1.62B | |
| Total equity | $200.7M | |
| Loans / deposits | 80.22% (p34 of band) | 87.10% |
| Liquid assets / assets | 27.86% (p72 of band) | |
| Uninsured deposits / deposits | 31.17% (p52 of band) | 30.76% |
| Brokered deposits | 2.74% | |
| Wholesale funding | 12.67% (p73 of band) | |
| FHLB advances / assets | 8.55% | |
| Tier 1 leverage | 9.10% (p15 of band) | 10.50% |
| Unrealized securities loss / equity | -17.35% (p24 of band) | -7.75% |
| AOCI / equity | -0.04% (p71 of band) | |
| ROA (annualized) | 1.16% (p42 of band) | 1.26% |
| Net interest margin | 4.42% (p85 of band) | 3.70% |
| Efficiency ratio | 66.33% (p72 of band) | |
| Noncurrent loans | 1.49% (p84 of band) | 0.51% |
| Net charge-offs (annualized) | 0.08% (p72 of band) | |
| Reserve coverage of noncurrent | 88.68% | |
| Real estate % of loans | 74% | |
| Construction % of loans | 65.90% (p68 of band) | |
| Auto loans | $28.7M (1.77% of loans; DQ 1.23%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | -0.8% | |
| Employees | 489 | |

## Flags firing in the latest filing

- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 0 |  |  |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 0 |  |  |
| 2013-06 | 1 | AOCI drag >20% of equity |  |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2014-06 | 1 |  |  |
| 2014-09 | 1 | capital falling | uninsured deposits leaving |
| 2014-12 | 1 |  |  |
| 2015-03 | 2 | wholesale funding >15% |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 1 |  | capital falling |
| 2015-12 | 1 |  |  |
| 2016-03 | 4 | expense ratio p90, noncurrent p90, reserve under noncurrent |  |
| 2016-06 | 4 |  |  |
| 2016-09 | 3 |  | wholesale funding >15% |
| 2016-12 | 5 | wholesale funding >15%, AOCI drag >20% of equity |  |
| 2017-03 | 5 | uninsured deposits leaving | AOCI drag >20% of equity |
| 2017-06 | 5 |  |  |
| 2017-09 | 6 | capital falling |  |
| 2017-12 | 4 |  | noncurrent p90, reserve under noncurrent |
| 2018-03 | 2 |  | uninsured deposits leaving, capital falling |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | capital falling |  |
| 2018-12 | 2 |  | capital falling |
| 2019-03 | 1 |  | wholesale funding >15% |
| 2019-06 | 2 | capital falling |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 1 |  | capital falling |
| 2020-03 | 2 | wholesale funding >15% |  |
| 2020-06 | 2 | capital falling | wholesale funding >15% |
| 2020-09 | 2 |  |  |
| 2020-12 | 1 |  | capital falling |
| 2021-03 | 0 |  | expense ratio p90 |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 1 | expense ratio p90 |  |
| 2022-03 | 0 |  | expense ratio p90 |
| 2022-06 | 3 | AOCI drag >20% of equity, securities losses >30% of equity, charge-offs p90 |  |
| 2022-09 | 3 |  |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 1 |  | AOCI drag >20% of equity, charge-offs p90 |
| 2023-06 | 1 |  |  |
| 2023-09 | 1 |  |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 2 | capital falling, securities losses >30% of equity |  |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 | reserve under noncurrent | securities losses >30% of equity |
| 2024-12 | 2 | securities losses >30% of equity |  |
| 2025-03 | 2 |  |  |
| 2025-06 | 3 | noncurrent p90 |  |
| 2025-09 | 2 |  | securities losses >30% of equity |
| 2025-12 | 2 |  |  |
| 2026-03 | 1 |  | noncurrent p90 |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-03-11 [Somerset Trust plans Greensburg branch as Westmoreland County expansion continues - The Business Journals](https://news.google.com/rss/articles/CBMipAFBVV95cUxNYWdMazAwVC1ROElKdHcyU2F4eldtQjRDcVN3VUIxdXFwNVVmWHI0YlQwVFdFYThPX0MtYXRiQUkxNEh1ajh1SHhEZU02ZWxxZWFSSTVVVDBWSWRuVHhoemNrS2MzcjliSXI5VTNXOTFUU3dOWTdQb0ZkU1BOMWRBa2Jtd016S3p5WnBiak5COFo3RmUxZFZDZEtXUW1rWUdRUHdqVA?oc=5) · The Business Journals
- 2019-10-15 [Somerset Trust expanding in Cambria County - dailyamerican.com](https://news.google.com/rss/articles/CBMivgFBVV95cUxNTHhCenpVVTNOMmlxRWRoRFZNaTZxbDVqYzdSY01aSTFmSjJnTHpZYUMwQzIzYjVGTXpVZnFHRVNVbWRhQXF1TVhUR05wTFNFYnhlSGNzVXl6c3B2S1hkM3dUa3JETEMxSW1YM1VwT3lKd2hXbTNzT1BsbUl4RVFpNnVJbjl5R0FvNDBNelM3YlhDeWxqNW9OcGFGRnhzZC1LbDNocmlUUGdraER4NDJnS0NyekxRMXlCTFFlTW5R?oc=5) · dailyamerican.com
- 2025-10-02 [Somerset Trust expands with two new branches in Westmoreland County - The Business Journals](https://news.google.com/rss/articles/CBMikwFBVV95cUxQbFdXenVGTjJnT0dMdWVMU0tycG1reTNfY1BhVUp4VGxrVmVmemE4UTRsZHo4UHVKM19QQWM3ZzBVMWVfcFJwNThzYkN3QW1RdXcyOGt6OHl5eUhhQlVuQUFKNV9HaFZ5NDA5UzE4ME9ldVo0bGkzZXhKTjNxNmc0NEVoVWpxUENxMjZjN0ttd0NFY3c?oc=5) · The Business Journals
- 2022-11-16 [Georgian Place to become Somerset Trust corporate headquarters - dailyamerican.com](https://news.google.com/rss/articles/CBMizgFBVV95cUxNSU5sNFJUWjdPb2xlT0RPN0ptUUxnUkZ3TE04VmJLNE5YMU95TWxzLVZWOUdjdWlVdDhHMjhyUVBCZS1iT2tCXzFsc3hsaURSSmh0MUFPOENNYUtjLVI2Qm9vLU5FS1BkMVRjdjRId0NKNEpSanZmLTliTlk0WHBsLTctaVpRanhaNFd0LU1hLUJsNDdvbUw1dEJaZXdrd3JLd2ZQQ3ZlOUpuQzljWHBxQm1PNExnTFBqdkVtVjZhZ1IxcE0xVm80UFVWYjVjUQ?oc=5) · dailyamerican.com
- 2023-02-21 [Somerset Trust Co.: Journey to an expansion up the hill at Georgian Place - dailyamerican.com](https://news.google.com/rss/articles/CBMiwgFBVV95cUxPaGFXbWZnMk5UTkYyRVNpLW16YkdRVnFqVEhLZC1ldEdmbm9maERFMkxqcUZMUXdqbG5IN2d5RWNUX1pGQUpjaEt3aVh1c254NHJ3dlV5aUdkTEQwN2h3WWpTakhtSEk1SFpMZVB1RzVDbHlzMWNnbFZZWWlTSUtBNWpoVkstaExTVlhrS1RsemNIT19XV2k3OFpfdXRjSXhvaEp1ZkRrN0xWR0hObFhtVWlJMExlSE94c1JqaEFsMlZMQQ?oc=5) · dailyamerican.com
- 2024-12-10 [20 People to Know in Banking: Sean Cook, Somerset Trust Co. - The Business Journals](https://news.google.com/rss/articles/CBMimwFBVV95cUxNVVh1ODNTUExWQUpaXzhGdEZ5a01RLU1TSGhQNHZramRBOWpnUGk5ckJYQ0tWdG1rSnNIOW94dWlJZTdybnFEMlVqdUpCYU9nU2dkZk9WRE51dnJGQzdyYWw3NkdGc1p1Z0pMOFhTT2tMMlcwTFBra0dQQWNFZExZdEg2SmVONGlIalhNXzZzQTZHakRwSWlkLWNLVQ?oc=5) · The Business Journals
- 2021-07-06 [T. Jeff Cook, Somerset Trust Co. president, announces his retirement - dailyamerican.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxOaTc5SHlhcGhRX3RjbFNubzlMUHNMUDdNNHVBMjZIV1VteDVrMEUxNUxLVy1HcU5BMThVN0lyRXkwM0dsTHk3ckFSWFdXVF9MLXA5VmhBZ3VlQVFHTHBzOTZ6YVFROXBMX3YzWGZ6b0Z3UGtJbDdiQml0R1plVlJKcnNiT1J4VWZLd2g0NmZDQ2NrUktkaUNmM1NaRHhuOUh5aTBhLWs4SWR1TEpGU1l0dk1Kc1Q?oc=5) · dailyamerican.com
- 2020-07-10 [State OKs bank's newest Westmoreland County branch - The Business Journals](https://news.google.com/rss/articles/CBMirgFBVV95cUxNVmFsVFd1cVRTSW5aUDJ4Z1VOVVBhM2RNVTlGeVVqaFA1WlJrdVJvRXBQYUMzTXJOMUlUQ01ieVpRRG1BMDJQdG5zSFY5eEtvZ3Znd01iZ0RQUkJiaUp0YllhR2M5UXpIVGFFbndNQzd2TFRRd3hkOGV0NlpTbVBaczhtbWtpZzdMcEdrcEJhYl83eWtCODUxN2tVOTFHNlF3NXIwWGtNMVRTd3lBRUE?oc=5) · The Business Journals

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11112 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/40.json (key "11112", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide