Major Rating Factors:
Good current capitalization (6.4 on a scale of 0 to 10) based on a risk-based capital ratio of 12.6 and a capital leverage ratio of 8.4. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.3 on a scale of 0 to 10).
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 1.0 has resulted in Good (5.1) profitability. A current level of 13.0 percent of nonperforming loans to core capital combined with 11.0 percent from a year earlier contributes to the Fair asset quality (4.9).
Asset Mix:
Securities (25%), comm re (22%), home mtgs (15%), comm loans (13%), cash (3%), consumer loans (2%), home eq lns (1%), other (18%)
States with Branches:
MD, PA, VA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Somerset Trust Holding Company
Investment Rating
Address
151 West Main Street
Somerset, PA 15501
Somerset, PA 15501
Phone Number
(814) 443-9200
Year Founded
1889
FDIC Number
Website
Largest Affiliates
No affiliate information available.