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
Unfavorable gap of $2.9M · efficiency ratio beats 89% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.80% | 0.62% | 1.02% | 1.39% | Beats 89% | 8 / 71 | | |
| Return on Equity | 11.17% | 5.62% | 10.07% | 13.60% | Beats 56% | 31 / 71 | | |
| Net Interest Margin | 4.34% | 2.93% | 3.56% | 4.07% | Beats 85% | 11 / 71 | | |
| Efficiency Ratio | 50.50% | 55.94% | 70.77% | 78.80% | Beats 89% | 9 / 71 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.18% | 0.08% | 0.27% | 0.97% | Beats 59% | 29 / 68 | | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 26 / 68 | | |
| Capital |
| Tier 1 Capital Ratio | 16.19% | 11.18% | 13.77% | 20.34% | Beats 68% | 23 / 71 | | |
| Total Risk-Based Capital Ratio | 16.19% | 12.08% | 14.34% | 21.24% | Beats 62% | 27 / 71 | | |
| Equity / Assets | 16.09% | 8.41% | 10.74% | 13.32% | Beats 83% | 12 / 71 | | |
| Liquidity & Funding |
| Loans / Deposits | 78.46% | 64.48% | 76.81% | 87.49% | 54th pctl | 31 / 68 | | |
| Loans / Assets | 65.58% | 55.33% | 65.58% | 72.51% | 49th pctl | 36 / 71 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |