Somerville Bank
Eaton, OH
IDRSSD: 411624
Total Assets
$286.74M
Latest filing
Total Deposits
$257.77M
Latest filing
Net Interest Margin
3.23%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
042211572EATON, OH
Key People
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Locations
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Main Office
Somerville Bank
601 Hillcrest Dr
Eaton, OH 45320
Full Service - Brick and Mortar
Updated 01/30/2026Established 10/10/1910FDIC Certificate 4490
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Somerville Bank (Main) | 601 Hillcrest Dr | Eaton, OH |
| CAMDEN BRANCH | 4 S Main St | Camden, OH |
| OXFORD BRANCH | 5200 College Corner Pike | Oxford, OH |
| HAMILTON BRANCH | 75 N Brookwood Ave | Hamilton, OH |
| EATON BRANCH | 1131 N Barron St | Eaton, OH |
| NEW LEBANON BRANCH | 695 W Main St | New Lebanon, OH |
| SOMERVILLE BRANCH | 197 S Main St | Somerville, OH |
| WEST CHESTER BRANCH | 8671 Union Centre Pavillion Drive | West Chester, OH |
Showing 7 of 7
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 | 10/10/1910 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 45320 |
| State and County Number | 39135 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 57 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 02/16/2023 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.somervillebank.net |
| Data Updated | 01/30/2026 |
| CERT | 6700 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $286.74M |
| Total Deposits | $257.77M |
| Total Liabilities | $265.05M |
| Total Equity Capital | $21.69M |
| Net Income | $466.00k |
| Net Loans and Leases | $204.45M |
| Assets Per Employee ($Millions) | $5.21M |
| Bank Premises and Fixed Assets | $5.91M |
| Cash and Balances due from Depository Institutions | $0 |
| Deposits Held in Domestic Offices | $257.77M |
Key Performance Ratios
| Return on Assets (ROA) | 0.66% |
| Return on Equity (ROE) | 8.79% |
| Net Interest Margin | 3.23% |
| Efficiency Ratio | 85.31% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | -0.2% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.564% |
| Earning Assets to total Assets | 94.62% |
Income and Expense
| Total Interest Income | $3.53M |
| Total Noninterest Income | $86.00k |
| Total Interest Expense | $1.37M |
| Total Noninterest Expense | $1.92M |
| Net Interest Income | $2.17M |
| Pre-tax Net Operating Income | $470.00k |
| Provision for Credit Losses | $-139,000 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $6.13M |
| Federal Funds Sold & Reverse Repurchase Agreement | $6.02M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.15M |
| Total Liabilities and Capital | $286.74M |
Securities
| Securities | $59.59M |
| Available-for-sale debt securities | $59.48M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Somerville Bank?
$286.74M as of the latest filing.
How much are Somerville Bank's total deposits?
$257.77M in total deposits.
Where is Somerville Bank located?
Eaton, OH.
What is the Net Interest Margin?
3.23%.
How many domestic offices does it operate?
8.
When was it established?
10/10/1910.
What is the Return on Assets (ROA)?
0.66%.
How much are total loans and leases?
$204.45M (latest filing).
What is the total interest income (latest filing)?
$3.53M.