Somerset Trust Company
Somerset, PA
IDRSSD: 212522
Total Assets
$2.44B
Latest filing
Total Deposits
$2.01B
Latest filing
Net Interest Margin
4.14%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
043308691SOMERSET, PA
Key People
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Locations
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Main Office
Somerset Trust Company
151 W Main St
Somerset, PA 15501
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1889FDIC Certificate 7096
Branches (46)
Page 1 of 7| Name | Address | City / State |
|---|---|---|
| Somerset Trust Company (Main) | 151 W Main St | Somerset, PA |
| RICHLAND BRANCH | 1416 Scalp Ave | Johnstown, PA |
| SOMERSET PLAZA BRANCH | 1614 N Center Ave | Somerset, PA |
| BERLIN BRANCH | 420 Main St | Berlin, PA |
| JOHNSTOWN OFFICE | 116 Market St | Johnstown, PA |
| GLADES PIKE OFFICE | 4185 Glades Pike | Somerset, PA |
| HOOVERSVILLE BRANCH | 964 Barn Street | Hooversville, PA |
| MEYERSDALE OFFICE BRANCH | 151 Center St | Meyersdale, PA |
Showing 7 of 46
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1889 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 15501 |
| State and County Number | 42111 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Somerset, PA |
Operational Info
| Number of Employees | 473 |
| Domestic Offices | 46 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | somersettrust.com |
| Data Updated | 01/30/2026 |
| CERT | 11112 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $2.44B |
| Total Deposits | $2.01B |
| Total Liabilities | $2.25B |
| Total Equity Capital | $188.78M |
| Net Income | $6.35M |
| Net Loans and Leases | $1.59B |
| Assets Per Employee ($Millions) | $5.15M |
| Bank Premises and Fixed Assets | $86.17M |
| Cash and Balances due from Depository Institutions | $45.64M |
| Deposits Held in Domestic Offices | $2.01B |
Key Performance Ratios
| Return on Assets (ROA) | 1.03% |
| Return on Equity (ROE) | 13.83% |
| Net Interest Margin | 4.14% |
| Efficiency Ratio | 68.3% |
| Tier 1 Risk-Based Capital Ratio | 12.088% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.1% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.729% |
| Earning Assets to total Assets | 91.88% |
Income and Expense
| Total Interest Income | $34.47M |
| Total Noninterest Income | $5.61M |
| Total Interest Expense | $10.99M |
| Total Noninterest Expense | $19.86M |
| Net Interest Income | $23.48M |
| Pre-tax Net Operating Income | $8.59M |
| Provision for Credit Losses | $630.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $57.00k |
| Other borrowed funds | $187.18M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $34.58M |
| All Other Liabilities | $25.40M |
| Total Liabilities and Capital | $2.44B |
Securities
| Securities | $643.09M |
| Available-for-sale debt securities | $638.71M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $4.38M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Somerset Trust Company?
$2.44B as of the latest filing.
How much are Somerset Trust Company's total deposits?
$2.01B in total deposits.
Where is Somerset Trust Company located?
Somerset, PA.
What is the Net Interest Margin?
4.14%.
How many domestic offices does it operate?
46.
When was it established?
01/01/1889.
What is the Return on Assets (ROA)?
1.03%.
How much are total loans and leases?
$1.59B (latest filing).
What is the total interest income (latest filing)?
$34.47M.