Somerville Bank (FDIC #6700): Bank Stress & Real-Estate Credit Exposure

Somerville Bank (FDIC Cert #6700): bank stress 83/100, severe, STABLE over 7 days; parent SOMERVILLE BCORP.

Somerville Bank (#6700) lends in 3 counties across 1 state; Somerville Bank (#6700) reaches 67 ZIP codes: Ohio 3 counties, 67 ZIPs.

Somerville Bank (#6700) largest markets: Montgomery County, OH (42 branches, 42 ZIPs) (#6700), Butler County, OH (72 branches, 18 ZIPs) (#6700), Preble County, OH (48 branches, 16 ZIPs) (#6700).

Somerville Bank (#6700) reports $290.6 million in total assets; Somerville Bank (#6700) equity $23.0 million (7.9% of Somerville Bank (#6700) assets); Somerville Bank (#6700) domestic deposits $260.7 million; Somerville Bank (#6700) net income $1.1 million; Somerville Bank (#6700) return on assets 0.74%; Somerville Bank (#6700) return on equity 9.72%; Somerville Bank (#6700) net interest income $4.6 million; Somerville Bank (#6700) call report June 30, 2026.

Somerville Bank (#6700) noncurrent real-estate loans: none reported; Somerville Bank (#6700) net charge-offs on real estate 0.63%; Somerville Bank (#6700) residential charge-offs 0.36%.

Somerville Bank (#6700) net interest margin 3.34% against an eight-quarter Somerville Bank (#6700) average of 3.11% (Somerville Bank (#6700) compression -0.22 points); Somerville Bank (#6700) non-residential real estate 36.0% of equity; Somerville Bank (#6700) rate-exposure score 40/100, Somerville Bank (#6700) fixed-rate trap 40/100; Somerville Bank (#6700) risk type credit driven; Somerville Bank (#6700) rate regime rates elevated, Somerville Bank (#6700) snapshot October 20, 2026.

Somerville Bank (#6700) stress score moved from 85.7 on June 22, 2026 to 83.1 on October 20, 2026; Somerville Bank (#6700) ranged 83.1 to 85.7 over 117 snapshots.

Somerville Bank (#6700) alerts: 3 counties; top Somerville Bank (#6700) alert scores: Eaton County, OH 27 (low); New Lebanon County, OH 27 (low); West Chester County, OH 27 (low).