Somerville Bank: how it compares with its peers
Against 63 OH banks with half to twice its assets, Somerville Bank's strongest measure in Q2 2026 is return on assets (0.74% vs. a 0.89% peer median). Its weakest relative measure is net interest margin (3.34% vs. 3.66%).
| Measure | Somerville Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.74% | 0.89% | Middle third Ahead of 40% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.34% | 3.66% | Bottom third Ahead of 30% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 77.73% | 72.36% | Middle third Ahead of 38% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $5.2M | $5.9M | Bottom third Ahead of 32% of peers |
| Loans to deposits Net loans and leases over total deposits. | 75.93% | 83.15% | Context |
What it means for lending operations
Its efficiency ratio of 77.73% is above the 72.36% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- First Federal Savings and Loan Association Newark, OH · $294M
- Peoples State Bank New Lexington, OH · $286M
- The Fort Jennings State Bank Fort Jennings, OH · $286M
- Community Savings Caldwell, OH · $285M
- SSB Community Bank Strasburg, OH · $297M
- First Federal Bank of Ohio Galion, OH · $283M
Questions about Somerville Bank
How big is Somerville Bank?
Somerville Bank, established in 1910, is headquartered in Eaton, OH. It reported $291M in total assets in its Q2 2026 FDIC call report and operates 8 offices.
What is Somerville Bank's return on assets?
0.74% annualized in Q2 2026, against a 0.89% median for 63 OH banks with half to twice its assets, ahead of 40% of them.
What is Somerville Bank's efficiency ratio?
77.73% in Q2 2026: it spent about 78 cents in noninterest expense for each dollar of revenue. The peer median is 72.36%, and lower is better.
Is Somerville Bank growing its loans?
Net loans shrank 0.7% over the year to Q2 2026, while deposits grew 4.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.