SETTLERS BANK

MARIETTA, OH | Small | Est. July 19, 1999, midnight | FDIC #35060 | RSSD #2747279 | FED
Latest Report: 2025-12-31

SETTLERS BANK is asn small FDIC-insured commercial bank headquartered in MARIETTA, OH, established in July 19, 1999, midnight. As of 2025-12-31, the bank reported total assets of $137M and total deposits of $114M. Profitability stands at 1.95% ROA and 11.82% ROE, with a net interest margin of 4.96%. The bank's CET1 capital ratio is 16.52%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.13% and a Texas Ratio of 0.46%. FDIC Certificate #35060.

Assets

$137M

Deposits

$114M

Loans

$89M

Equity

$23M

Profitability

Return on Assets (ROA) 1.95%
Return on Equity (ROE) 11.82%
Net Interest Margin (NIM) 4.96%
Yield on Assets 5.98%
Cost of Funds 1.12%

Asset Quality

NPL Ratio 0.13%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.46%
NPA Ratio 0.08%
ACL / Loans 1.79%

Capital & Liquidity

CET1 Ratio 16.52%
Tier 1 Capital 16.52%
Total Capital Ratio 17.34%
Leverage Ratio 16.48%
Loan-to-Deposit 78.66%

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