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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-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
74
/ 100
StableAs of 2025-Q4QoQ -1

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

Quarterly Headline

2025-Q4

Bank #212522 2025-Q4 Vital Signs Score: 74/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (watch).

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

Top 3 Watch Items

  1. watch
    Cash / Assets below 3%
    Liquidity — Cash 1.87% of assets (threshold 3%).
  2. info
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 2.26% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↓ -1 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    — —
  • Capitalization
    ↑ +8
  • Asset Quality
    ↓ -7
  • Reserves
    ↓ -5

The five pillars

Liquidity

StableQoQ -4
75
Sub-score

Liquidity is stable: brokered 3.6%, loans/deposits 79.3%, cash 1.9% of assets.

Cash / Assets
1.87%
Loans / Deposits
79.32%
Brokered %
3.63%

Watch Items

  • watchCash / Assets below 3% — Cash 1.87% 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
0.18%
No watch items at this period.

Capitalization

StableQoQ +8
75
Sub-score

Capital position is stable: Tier 1 RBC 12.09%, CET1 12.09%, leverage 8.63%.

Tier 1 RBC
12.09%
CET1
12.09%
Leverage
8.63%
No watch items at this period.

Asset Quality

StableQoQ -7
75
Sub-score

Asset quality is stable: Adjusted NPL 2.26%, Texas Ratio 15.1%, NCO YTD 0.07%.

Adjusted NPL
2.26%
Govt-guarantees stripped
Texas Ratio
15.1%
NCO YTD
0.07%
30-89 PD
0.72%
Band 0.3% / 3.0%
90+ PD
0.87%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.26% (govt-guarantees stripped).

Reserves

WatchQoQ -5
43
Sub-score

Reserves are deteriorating: ALLL 1.32% of loans, coverage 59.3%, true coverage 59.0%.

ALLL / Loans
1.32%
Coverage
59.3%
True Loss Coverage
59.0%
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