Somerset Trust Holding Company (SOME)

SOME Balance Sheet

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Cash & Equivalents	84.62	45	42.4	39.94	150.84	68.62
Investment Securities	622.51	371.9	385.93	380.89	362.54	333.69
Mortgage-Backed Securities	-	226.75	213.14	223.13	151.95	20.08
Total Investments	622.51	598.65	599.07	604.01	514.49	353.77
Gross Loans	1,647	1,525	1,433	1,265	1,134	1,120
Allowance for Loan Losses	-20.99	-18.78	-18.77	-18.72	-20.29	-16.85
Other Adjustments to Gross Loans	-	-1.9	-2	-1.4	-1.7	-3.1
Net Loans	1,626	1,504	1,412	1,245	1,112	1,100
Property, Plant & Equipment	71.08	60.7	55.79	43.49	38.87	35.78
Other Intangible Assets	-	0.02	0.02	0.02	0.02	0.16
Loans Held for Sale	-	20.78	11.12	2.51	0.5	2.7
Accrued Interest Receivable	-	10.73	10.04	9.57	7.17	7.29
Long-Term Deferred Tax Assets	-	14.36	10.91	15.49	1.33	1.04
Other Real Estate Owned & Foreclosed	-	0.34	0.05	0.15	0.03	0.99
Other Long-Term Assets	91.15	60.93	58.13	57.2	42.17	40.5
Total Assets	2,495	2,316	2,199	2,017	1,867	1,611
Interest Bearing Deposits	2,061	1,387	1,299	1,186	1,143	974.63
Institutional Deposits	-	95.2	65.9	31.9	38.1	31.5
Non-Interest Bearing Deposits	-	399.54	422.21	440.42	405.39	321.98
Total Deposits	2,061	1,881	1,787	1,658	1,587	1,328
Short-Term Borrowings	-	29.93	26.38	158.38	22.66	12.64
Current Portion of Long-Term Debt	-	77	-	-	-	-
Current Portion of Leases	-	1.28	-	-	-	-
Accrued Interest Payable	-	5.9	4.29	0.94	0.77	1.2
Long-Term Debt	230.34	-	-	-	0.64	0.74
Federal Home Loan Bank Debt, Long-Term	-	151.67	222.18	79.51	97.65	117.65
Long-Term Leases	-	4.47	5.86	4.98	3.78	3.57
Pension & Post-Retirement Benefits	-	-	-	-	1.36	-
Other Long-Term Liabilities	25.61	12.69	10.77	12.98	13.73	15.72
Total Liabilities	2,317	2,164	2,057	1,915	1,727	1,480
Common Stock	178.37	3.58	3.58	3.58	3.45	3.44
Retained Earnings	-	192	170.74	150.27	133.51	121.05
Comprehensive Income & Other	-	-44.33	-31.8	-50.99	3.03	6.41
Shareholders' Equity	178.37	151.25	142.52	102.87	139.99	130.9
Total Liabilities & Equity	2,495	2,316	2,199	2,017	1,867	1,611
Total Debt	230.34	264.35	254.42	242.87	124.72	134.6
Net Cash (Debt)	-145.71	-219.35	-212.01	-202.93	26.12	-65.98
Net Cash Per Share	-57.78	-86.96	-84.06	-80.58	10.42	-26.32
Filing Date Shares Outstanding	2.52	2.52	2.52	2.52	2.51	2.5
Total Common Shares Outstanding	2.52	2.52	2.52	2.52	2.51	2.5
Book Value Per Share	70.72	59.96	56.50	40.78	55.87	52.29
Tangible Book Value	178.37	151.23	142.5	102.85	139.97	130.74
Tangible Book Value Per Share	70.72	59.96	56.50	40.78	55.86	52.22

Source: S&P Global Market Intelligence. Banks template. Financial Sources.