Bank Comparison
Monroe Federal Savings and Loan Association vs Settlers Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 15
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Monroe Federal Savings and Loan Association | Settlers Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 9.60% | 16.46% |
| Equity / Assets | 7.61% | 16.15% |
Profitability
| Metric | Monroe Federal Savings and Loan Association | Settlers Bank |
|---|---|---|
| Return on Assets (ROA) | -0.52% | 1.59% |
| Return on Equity (ROE) | -7.06% | 9.72% |
| Net Interest Margin (NIM) | 2.72% | 4.50% |
| Yield on Earning Assets | 4.49% | 5.45% |
| Cost of Funds | 1.85% | 1.10% |
Asset quality
| Metric | Monroe Federal Savings and Loan Association | Settlers Bank |
|---|---|---|
| Texas Ratio | 4.62% | 0.55% |
| Non-Performing Loan Ratio | 0.48% | 0.15% |
| Non-Performing Asset Ratio | 0.38% | 0.10% |
| Net Charge-Off Ratio | 0.00% | 0.00% |
| ACL / Loans | 0.72% | 1.75% |
Balance sheet
| Metric | Monroe Federal Savings and Loan Association | Settlers Bank |
|---|---|---|
| Total Assets | $142,794K | $140,202K |
| Total Deposits | $126,476K | $116,944K |
| Total Loans | $111,327K | $91,402K |
| Total Equity | $10,861K | $22,638K |
| Net Income (quarter) | $-193 | $550 |
Liquidity & funding
| Metric | Monroe Federal Savings and Loan Association | Settlers Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 88.02% | 78.16% |
| Core Deposit Ratio | 91.50% | 96.74% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Monroe Federal Savings and Loan Association | Settlers Bank |
|---|---|---|
| Headquarters City | TIPP CITY | MARIETTA |
| Headquarters State | OH | OH |
| Asset Tier | Small | Small |
| Charter Class | 703692 | 0 |
| Regulator | OCC | FED |
| Domestic Branches | 4 | 1 |
| Employees (FTE) | 23 | 19 |
| Established | Jan. 1, 1875, midnight | July 19, 1999, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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