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Settlers Bank

Marietta, OH · Cert 35060 · Third Street Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OH (n=68 to 71). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

71

Q2 2024Q2 2026peer median (50)

Asset Quality

80

Q2 2024Q2 2026peer median (50)

Profitability

77

Q2 2024Q2 2026peer median (50)

Liquidity

92

Q2 2024Q2 2026peer median

Efficiency

89

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Settlers Bank

Marietta, OH · Cert 35060 · Third Street Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$142.4MAssets
$93.4MLoans
$119.1MDeposits
$22.9MEquity
Loan mix
90%RE $82.4M4%C&I $3.5M6%Consumer $5.4MQ3 2024Q2 2026
Deposit mix
75%Interest-bearing $88.9M25%Noninterest $30.2MQ3 2024Q2 2026

Executive Summary

  • Earnings: ROA of 1.83%, down 1 bps year over year; NIM at 4.34%.
  • Asset quality: problem loans at 0.18% of loans (-5 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 16.19%, down 5 bps from a year ago.
  • Funding: loans stand at 78.46% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

1.83%-1 bps YoY

Net Interest Margin (YTD, annualized)

4.34%-8 bps YoY

Efficiency Ratio (YTD, annualized)

50.50%+40 bps YoY

Tier 1 Leverage Ratio

16.19%-5 bps YoY

NIM

5.09%Q2 ’245.20%Q2 ’255.24%Q2 ’26-1%-2%

Non-interest income vs. expense

2.45%Q2 ’242.34%Q2 ’252.33%Q2 ’26-6%-1%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.77%1.81%1.70%1.84%2.22%2.16%1.59%1.83%-1 bps
Return on Equity11.27%11.51%10.70%11.47%13.77%13.29%9.72%11.27%-21 bps
Net Interest Margin4.39%4.33%4.31%4.41%4.51%4.43%4.32%4.34%-8 bps
Efficiency Ratio51.42%50.52%52.17%50.10%44.88%45.73%55.97%50.50%+40 bps
Non-Interest Burden2.14%2.07%2.12%2.08%1.64%1.71%2.30%2.05%-3 bps
Growth
Asset Growth (YoY)2.29%2.15%5.35%4.82%3.44%3.52%4.93%7.53%+271 bps
Loan Growth (YoY)6.69%4.87%5.34%10.82%8.98%12.05%14.29%9.90%-92 bps
Deposit Growth (YoY)0.58%1.03%4.95%4.52%2.81%2.62%4.64%7.76%+324 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.24%0.22%0.13%0.13%0.15%0.18%-5 bps
Net Charge-Offs / Loans-0.04%-0.03%0.00%0.03%0.02%0.01%0.00%0.00%-3 bps
Allowance / Loans2.05%2.01%2.00%1.88%1.86%1.79%1.75%1.72%-15 bps
Allowance Coverage of NPLsn/an/a8.4x8.4x14.0x14.3x11.9x9.8x+1.4x
Capital
Tier 1 Leverage Ratio16.31%16.07%16.34%16.23%16.70%16.48%16.46%16.19%-5 bps
Total Risk-Based Capital16.31%16.07%16.34%16.23%16.70%16.48%16.46%16.19%-5 bps
Equity / Assets16.06%15.82%15.94%16.29%16.54%16.52%16.15%16.09%-20 bps
Liquidity & Funding
Loans / Deposits72.07%72.04%71.56%76.94%76.39%78.66%78.16%78.46%+153 bps
Liquid Assets / Assets10.14%10.28%9.16%8.67%7.60%6.31%7.07%6.35%-232 bps
CRE / Total Capitaln/an/an/an/a39.92%47.52%47.31%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Settlers Bank

Marietta, OH · Cert 35060 · Peer group: banks under $1B in assets in OH (n=68-71) · Third Street Bancshares Inc.

State charter, Fed member · FED · 1 branch

Q2 2026

$142.4MAssets
$93.4MLoans
$119.1MDeposits
$22.9MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OH (rank 26 of 68).
  • Widest gap: return on equity trails 44% of banks under $1B in assets in OH (rank 31 of 71).
  • Overall: at or above the peer median on 9 of 9 directional measures.

Return on Assets

1.80%

Rank 8 of 71

Net Interest Margin

4.34%

Rank 11 of 71

Efficiency Ratio

50.50%

Rank 9 of 71

Equity / Assets

16.09%

Rank 12 of 71

Non-interest income vs. expense

$0.4M$3.3MINCOMEEXPENSE
Unfavorable gap of $2.9M · efficiency ratio beats 89% of banks under $1B in assets in OH
Bank 50.50%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.80%0.62%1.02%1.39%Beats 89%8 / 71
Return on Equity11.17%5.62%10.07%13.60%Beats 56%31 / 71
Net Interest Margin4.34%2.93%3.56%4.07%Beats 85%11 / 71
Efficiency Ratio50.50%55.94%70.77%78.80%Beats 89%9 / 71
Asset Quality
Nonperforming Loans / Loans0.18%0.08%0.27%0.97%Beats 59%29 / 68
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 100%26 / 68
Capital
Tier 1 Capital Ratio16.19%11.18%13.77%20.34%Beats 68%23 / 71
Total Risk-Based Capital Ratio16.19%12.08%14.34%21.24%Beats 62%27 / 71
Equity / Assets16.09%8.41%10.74%13.32%Beats 83%12 / 71
Liquidity & Funding
Loans / Deposits78.46%64.48%76.81%87.49%54th pctl31 / 68
Loans / Assets65.58%55.33%65.58%72.51%49th pctl36 / 71
Brokered Deposits / Depositsn/aNot reported for this institution