Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · catalog mismatch

Get started

Q2 2026 · 4,313 institutions · refreshed 8/27/2026

All banksProfile view

OptimaYield board tearsheet · reported facts

SOMERSET TRUST CO

FDIC #11112 · PA · period 20260630

Download full PDF Download full Excel Download compact PDF Download compact Excel Return to profile

Total assets1,020,352-5.88% YoY

Total deposits808,243-7.44% YoY

Net loans and leases644,957-3.81% YoY

Return on assets0.94%+38.06% YoY

Return on equity10.85%+15.80% YoY

Net interest margin4.00%+5.17% YoY

Peer position

Return on assets42ndin line · n=902

Return on equity72ndstrength · n=894

Net interest margin85thstrength · n=902

Equity to assets8thopportunity · n=894

Noncurrent loans16thopportunity · n=887

Liquid assets74thstrength · n=895

Brokered deposits41stin line · n=890

Loans to deposits67thin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,020,352	808,243	644,957	0.94	10.85	4.00
2016-06-30	1,044,810	827,605	642,461	0.97	10.89	3.98
2016-09-30	1,038,902	839,942	634,514	1.06	11.81	3.95
2016-12-31	1,067,637	857,655	659,333	0.98	11.39	3.97
2017-03-31	1,084,089	873,247	670,515	0.68	9.37	3.80
2017-06-30	1,108,395	876,107	705,660	0.81	10.59	3.89
2017-09-30	1,137,433	904,220	723,827	0.84	10.84	3.94
2017-12-31	1,142,231	904,245	734,986	0.60	7.65	3.98
2018-03-31	1,166,204	953,403	752,421	0.90	11.74	4.10
2018-06-30	1,201,770	966,892	786,649	0.93	12.38	4.14
2018-09-30	1,210,984	983,817	803,464	0.91	12.41	4.18
2018-12-31	1,230,098	1,002,860	837,531	0.91	12.30	4.22
2019-03-31	1,266,158	1,024,686	857,231	0.75	9.51	4.26
2019-06-30	1,289,757	1,031,459	892,654	0.88	10.83	4.28
2019-09-30	1,310,370	1,045,992	897,395	0.90	10.78	4.29
2019-12-31	1,335,090	1,034,521	932,367	0.87	10.29	4.28
2020-03-31	1,398,542	1,108,589	956,449	0.74	8.38	4.04
2020-06-30	1,565,548	1,276,410	1,116,765	0.77	9.07	3.99
2020-09-30	1,596,496	1,308,072	1,124,883	0.75	8.98	3.96
2020-12-31	1,610,627	1,328,240	1,102,709	0.77	9.22	4.01
2021-03-31	1,752,590	1,479,938	1,149,057	0.88	11.31	3.84
2021-06-30	1,778,390	1,494,223	1,163,011	0.87	11.31	3.83
2021-09-30	1,856,987	1,570,225	1,106,902	0.94	12.33	3.89
2021-12-31	1,866,665	1,586,918	1,112,795	0.79	10.34	3.73
2022-03-31	1,891,477	1,627,509	1,103,612	0.84	12.06	3.38
2022-06-30	1,930,470	1,661,218	1,174,407	0.97	15.08	3.53
2022-09-30	1,972,133	1,694,572	1,243,861	1.09	18.42	3.76
2022-12-31	2,017,848	1,657,860	1,247,915	1.08	18.77	3.91
2023-03-31	2,037,105	1,731,521	1,266,274	1.51	27.34	4.22
2023-06-30	2,068,528	1,757,073	1,297,643	1.42	25.24	4.23
2023-09-30	2,103,137	1,813,561	1,347,902	1.33	24.35	4.24
2023-12-31	2,199,963	1,787,382	1,423,459	1.12	19.64	4.16
2024-03-31	2,255,874	1,844,826	1,476,756	0.94	14.81	3.82
2024-06-30	2,297,347	1,869,636	1,470,270	0.98	15.57	3.79
2024-09-30	2,357,335	1,904,029	1,500,891	1.06	16.47	3.80
2024-12-31	2,315,834	1,881,461	1,523,961	1.07	16.65	3.80
2025-03-31	2,395,049	1,944,770	1,550,242	0.89	13.57	3.80
2025-06-30	2,446,947	2,012,358	1,620,182	0.99	15.10	3.91
2025-09-30	2,493,734	2,061,042	1,623,308	1.04	15.46	3.92
2025-12-31	2,440,615	2,006,669	1,589,791	1.04	15.02	4.01
2026-03-31	2,460,076	2,016,190	1,606,594	1.10	14.37	4.12
2026-06-30	2,467,590	1,996,981	1,602,027	1.16	14.77	4.42

Structure and branch footprint

49 current branch locations across 3 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2019-10-01	1	432012	212522

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.