Somerset Trust Co (FDIC #11112): Bank Stress & Real-Estate Credit Exposure
Somerset Trust Co (FDIC Cert #11112): bank stress 74/100, elevated, STABLE over 7 days; parent SOMERSET TRUST HOLDING CO.
Somerset Trust Co (#11112) lends in 8 counties across 3 states; Somerset Trust Co (#11112) reaches 332 ZIP codes: Pennsylvania 5 counties, 259 ZIPs; Maryland 2 counties, 24 ZIPs; Virginia 1 county, 49 ZIPs.
Somerset Trust Co (#11112) largest markets: Westmoreland County, PA (1,513 branches, 89 ZIPs) (#11112), Fayette County, PA (585 branches, 65 ZIPs) (#11112), Cambria County, PA (260 branches, 52 ZIPs) (#11112), Fairfax County, VA (49 branches, 49 ZIPs) (#11112), Somerset County, PA (410 branches, 41 ZIPs) (#11112), Bedford County, PA (87 branches, 29 ZIPs) (#11112).
Somerset Trust Co (#11112) reports $2.47 billion in total assets; Somerset Trust Co (#11112) equity $200.7 million (8.1% of Somerset Trust Co (#11112) assets); Somerset Trust Co (#11112) domestic deposits $2.00 billion; Somerset Trust Co (#11112) net income $14.2 million; Somerset Trust Co (#11112) return on assets 1.16%; Somerset Trust Co (#11112) return on equity 14.77%; Somerset Trust Co (#11112) net interest income $49.6 million; Somerset Trust Co (#11112) call report June 30, 2026.
Somerset Trust Co (#11112) noncurrent real-estate loans 0.11% of its book; Somerset Trust Co (#11112) residential 0.21%; Somerset Trust Co (#11112) net charge-offs on real estate 1.34%; Somerset Trust Co (#11112) multifamily charge-offs 0.46%; Somerset Trust Co (#11112) residential charge-offs 1.25%.
Somerset Trust Co (#11112) net interest margin 4.42% against an eight-quarter Somerset Trust Co (#11112) average of 3.97% (Somerset Trust Co (#11112) compression -0.44 points); Somerset Trust Co (#11112) real-estate loans 11.2% of equity; Somerset Trust Co (#11112) non-residential real estate 124.6% of equity; Somerset Trust Co (#11112) rate-exposure score 40/100, Somerset Trust Co (#11112) fixed-rate trap 40/100; Somerset Trust Co (#11112) risk type credit driven; Somerset Trust Co (#11112) rate regime rates elevated, Somerset Trust Co (#11112) snapshot October 19, 2026.
Somerset Trust Co (#11112) stress score moved from 75.3 on June 22, 2026 to 74 on October 19, 2026; Somerset Trust Co (#11112) ranged 74 to 75.3 over 116 snapshots.
Somerset Trust Co (#11112) alerts: 8 counties; top Somerset Trust Co (#11112) alert scores: Somerset County, PA 52 (elevated); Frostburg County, PA 25 (low); Grantsville County, PA 25 (low); Lilly County, PA 25 (low); Schellsburg County, PA 25 (low).