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Somerset Trust Company

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

Vital Signs Report — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
80
/ 100
StrongAs of 2026-Q1QoQ +6

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

Quarterly Headline

2026-Q1

Bank #212522 2026-Q1 Vital Signs Score: 80/100 — overall strong. Strongest pillar: Securities (strong). Weakest pillar: Reserves (stable).

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

Top 3 Watch Items

  1. info
    Cash / Assets below 3%
    Liquidity — Cash 2.20% of assets (threshold 3%).

What changed this quarter

Compared to Q4 2025:
↑ +6 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↑ +3
  • Asset Quality
    ↑ +10
  • Reserves
    ↑ +19

The five pillars

Liquidity

StableQoQ +1
75
Sub-score

Liquidity is stable: brokered 3.6%, loans/deposits 79.7%, cash 2.2% of assets.

Cash / Assets
2.20%
Loans / Deposits
79.68%
Brokered %
3.60%

Watch Items

  • infoCash / Assets below 3% — Cash 2.20% 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 +3
78
Sub-score

Capital position is stable: Tier 1 RBC 12.27%, CET1 12.27%, leverage 8.96%.

Tier 1 RBC
12.27%
CET1
12.27%
Leverage
8.96%
No watch items at this period.

Asset Quality

StrongQoQ +10
85
Sub-score

Asset quality is strong: Adjusted NPL 1.51%, Texas Ratio 10.0%, NCO YTD 0.16%.

Adjusted NPL
1.51%
Govt-guarantees stripped
Texas Ratio
10.0%
NCO YTD
0.16%
30-89 PD
1.17%
Band 0.3% / 3.0%
90+ PD
0.12%
Band 0.1% / 2.0%
No watch items at this period.

Reserves

StableQoQ +19
62
Sub-score

Reserves are stable: ALLL 1.31% of loans, coverage 87.8%, true coverage 87.0%.

ALLL / Loans
1.31%
Coverage
87.8%
True Loss Coverage
87.0%
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