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Somerset Trust Company

IDRSSD: 212522
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2025-Q2

Per-quarter snapshot for 2025-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
70
/ 100
StableAs of 2025-Q2QoQ -8

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2025-Q2

Bank #212522 2025-Q2 Vital Signs Score: 70/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

Liquidity:Stable
Securities:Strong
Capitalization:Stable
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.40% of assets (threshold 3%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.37% (govt-guarantees stripped).

What changed this quarter

Compared to Q1 2025:
↓ -8 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↓ -2
  • Asset Quality
    ↓ -12
  • Reserves
    ↓ -24

The five pillars

Liquidity

StableQoQ -4
76
Sub-score

Liquidity is stable: brokered 2.9%, loans/deposits 80.6%, cash 2.4% of assets.

Cash / Assets
2.40%
Loans / Deposits
80.61%
Brokered %
2.88%

Watch Items

  • infoCash / Assets below 3% — Cash 2.40% of assets (threshold 3%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.2% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.19%
No watch items at this period.

Capitalization

StableQoQ -2
65
Sub-score

Capital position is stable: Tier 1 RBC 11.24%, CET1 11.24%, leverage 8.56%.

Tier 1 RBC
11.24%
CET1
11.24%
Leverage
8.56%
No watch items at this period.

Asset Quality

StableQoQ -12
74
Sub-score

Asset quality is stable: Adjusted NPL 2.37%, Texas Ratio 17.0%, NCO YTD 0.05%.

Adjusted NPL
2.37%
Govt-guarantees stripped
Texas Ratio
17.0%
NCO YTD
0.05%
30-89 PD
0.66%
Band 0.3% / 3.0%
90+ PD
0.84%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.37% (govt-guarantees stripped).

Reserves

RiskQoQ -24
36
Sub-score

Reserves are weak: ALLL 1.24% of loans, coverage 53.0%, true coverage 52.6%.

ALLL / Loans
1.24%
Coverage
53.0%
True Loss Coverage
52.6%
No watch items at this period.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 09:01:37 UTC