BlastPoint's Banking Scorecard
Somerset Trust Company
Community
Specialty: Commercial
PA
FDIC cert 11112
Somerset, PA
1484
banks in Community tier nationally
51 in PA
View Community leaderboard (PA) →
Somerset Trust Company faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 1.63% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.4B
+5.5% YoY
-2.1% QoQ
|
+$1.1B |
$1.4B
+2.0% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Top 15% in tier |
| Total Loans ? |
$1.6B
+4.5% YoY
-2.1% QoQ
|
+$616.3M |
$975.5M
+2.4% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
83% |
| Total Deposits ? |
$2.0B
+6.7% YoY
-2.6% QoQ
|
+$842.1M |
$1.2B
+1.7% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
85% |
| Return on Assets ? |
1.04%
-3.3% YoY
+0.2% QoQ
|
-0.13% |
1.16%
+17.2% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
3.99%
+5.0% YoY
+1.8% QoQ
|
+0.32% |
3.66%
+9.1% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
69% |
| Efficiency Ratio ? |
67.87%
-2.7% YoY
+0.2% QoQ
|
+5.23% |
62.63%
-5.3% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
2.26%
+61.8% YoY
+21.5% QoQ
|
+1.63% |
0.63%
+18.3% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 8% in tier |
| Loan-to-Deposit Ratio ? |
79.32%
-2.1% YoY
+0.6% QoQ
|
-3.74% |
83.06%
+0.3% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
22.18%
+4.0% YoY
-0.2% QoQ
|
+1.14% |
21.05%
-0.9% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
1.47%
+57.9% YoY
+21.8% QoQ
|
+0.98% |
0.50%
+20.3% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 11% in tier |
| Tier 1 Capital Ratio ? |
12.09%
+5.9% YoY
+6.0% QoQ
|
+1.84% |
10.24%
-0.6% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
48% |
| Non-Interest Income / Assets ? |
0.83%
-1.2% YoY
+41.4% QoQ
|
+0.09% |
0.74%
-1.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Delinquency Rate
metric
Bottom 8%
in Community
Why this stands out
Current:
2.26%
(Tier avg: 0.63%, National avg: 0.66%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
85
85th pctile
Total Assets
Current: $2.4B · Tier avg: $1.4B
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
79
79th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.74%
69
69th pctile
Net Interest Margin
Current: 3.99% · Tier avg: 3.66%
63
63th pctile
Loan-to-Deposit Ratio
Current: 79.32% · Tier avg: 83.06%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.18% · Tier avg: 21.05%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.09% · Tier avg: 10.24%
42
42th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
32
32th pctile
Efficiency Ratio
Current: 67.87% · Tier avg: 62.63%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.47% · Tier avg: 0.50%
8
8th pctile
Delinquency Rate
Current: 2.26% · Tier avg: 0.63%
Top Weaknesses
8
8th pctile
Delinquency Rate
Current: 2.26% · Tier avg: 0.63%
11
11th pctile
Nonperforming Asset Ratio
Current: 1.47% · Tier avg: 0.50%
32
32th pctile
Efficiency Ratio
Current: 67.87% · Tier avg: 62.63%
42
42th pctile
Return on Assets
Current: 1.04% · Tier avg: 1.16%
48
48th pctile
Tier 1 Capital Ratio
Current: 12.09% · Tier avg: 10.24%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 22.18% · Tier avg: 21.05%
63
63th pctile
Loan-to-Deposit Ratio
Current: 79.32% · Tier avg: 83.06%
69
69th pctile
Net Interest Margin
Current: 3.99% · Tier avg: 3.66%
79
79th pctile
Non-Interest Income / Assets
Current: 0.83% · Tier avg: 0.74%
83
83th pctile
Total Loans
Current: $1.6B · Tier avg: $975.5M
85
85th pctile
Total Deposits
Current: $2.0B · Tier avg: $1.2B
85
85th pctile
Total Assets
Current: $2.4B · Tier avg: $1.4B