Somerset Trust Co: Bank Stress & Real-Estate Credit Exposure

Somerset Trust Co (FDIC Cert #11112) carries a DLRadar bank-stress score of 74/100, a elevated reading of the credit and balance-sheet pressure weighing on the institution. DLRadar builds the reading from the institution's federal call-report filings (capital, credit quality, earnings, real-estate exposure) and weights it by the markets it finances.

Somerset Trust Co's score blends four call-report dimensions — capital, credit quality, earnings and property-loan concentration — into one 0–100 number, weighted by lending footprint, which is why it reads as a market signal rather than a generic solvency grade. Rather than a standalone rating, the elevated score is tied to real markets — every one of the 332 ZIP codes Somerset Trust Co lends into is scored for foreclosure pressure, liens and forced-sale risk, letting lender stress and property distress be read side by side. Somerset Trust Co is held under Somerset Trust Holding Co, so its disclosures are public and its stress trajectory is externally verifiable. The Somerset Trust Co score updates as fresh FDIC call reports post each quarter, so its 74/100 reading and 8-county footprint reflect the current filing cycle rather than a dated snapshot — and because it uses the same model as every FDIC bank, Somerset Trust Co is directly comparable to any lender in the country. Seven-day momentum reads stable. Where the score is heading often matters more than where it sits, since tightening credit leads distress rather than follows it. A elevated score on a footprint this size means the markets Somerset Trust Co touches inherit a corresponding share of that lending pressure. At the county level, Somerset Trust Co finances markets like Westmoreland County, PA, Fayette County, PA, Cambria County, PA, Fairfax County, VA — the specific places where its credit posture translates into local lending capacity. DLRadar maps Somerset Trust Co into 8 counties (332 ZIP codes) across 3 states — a compact, regionally concentrated lending base. The deepest footprints are Pennsylvania (5 counties), Maryland (2 counties), Virginia (1 county).

For buyers, lender stress is an early map of supply: when Somerset Trust Co pulls back, the counties it finances see stalled refinances, frozen construction credit, and owners sliding into distress. It is an early-warning read, flagging distress before it reaches the MLS.

DLRadar scores every FDIC-insured bank this way and links each lender to parcel-level foreclosure, tax-lien and ownership signals in the markets it serves. So you can act on distressed supply before the broader market prices it in — every figure here traces to a public federal source.