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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 2.07%, up 10 bps year over year; NIM at 4.49%.
  • 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 (quarter, annualized)

2.07%+10 bps YoY

Net Interest Margin (quarter, annualized)

4.49%-10 bps YoY

Efficiency Ratio (quarter, annualized)

45.43%-276 bps YoY

Tier 1 Leverage Ratio

16.19%-5 bps YoY

NIM

5.15%Q2 ’245.43%Q2 ’255.40%Q2 ’26+3%-2%

Non-interest income vs. expense

2.31%Q2 ’242.34%Q2 ’252.18%Q2 ’26+1%-10%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.88%1.93%1.70%1.97%3.01%1.95%1.59%2.07%+10 bps
Return on Equity11.73%12.09%10.70%12.22%18.31%11.82%9.72%12.82%+60 bps
Net Interest Margin4.49%4.50%4.31%4.60%4.69%4.53%4.32%4.49%-10 bps
Efficiency Ratio49.74%47.96%52.17%48.18%37.08%48.42%55.97%45.43%-276 bps
Non-Interest Burden2.11%2.04%2.12%2.08%0.76%2.05%2.30%1.88%-21 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-0.01%0.00%0.00%0.05%0.00%0.00%0.00%0.00%-5 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