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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-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2025-Q3QoQ +5

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

Quarterly Headline

2025-Q3

Bank #212522 2025-Q3 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

No watch items detected this quarter — every pillar within band.

What changed this quarter

Compared to Q2 2025:
↑ +5 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ +12

The five pillars

Liquidity

StableQoQ +3
79
Sub-score

Liquidity is stable: brokered 3.5%, loans/deposits 78.9%, cash 3.4% of assets.

Cash / Assets
3.39%
Loans / Deposits
78.86%
Brokered %
3.53%
No watch items at this period.

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
67
Sub-score

Capital position is stable: Tier 1 RBC 11.40%, CET1 11.40%, leverage 8.50%.

Tier 1 RBC
11.40%
CET1
11.40%
Leverage
8.50%
No watch items at this period.

Asset Quality

StrongQoQ +8
82
Sub-score

Asset quality is strong: Adjusted NPL 1.86%, Texas Ratio 13.0%, NCO YTD 0.05%.

Adjusted NPL
1.86%
Govt-guarantees stripped
Texas Ratio
13.0%
NCO YTD
0.05%
30-89 PD
1.28%
Band 0.3% / 3.0%
90+ PD
0.09%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

WatchQoQ +12
49
Sub-score

Reserves are deteriorating: ALLL 1.28% of loans, coverage 69.5%, true coverage 68.8%.

ALLL / Loans
1.28%
Coverage
69.5%
True Loss Coverage
68.8%
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