Bank Comparison
Settlers Bank vs First Commerce Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
14 · 6
winning metrics across 20 comparable rows
Capital adequacy
| Metric | Settlers Bank | First Commerce Bank |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 16.46% | 11.62% |
| Equity / Assets | 16.15% | 11.51% |
Profitability
| Metric | Settlers Bank | First Commerce Bank |
|---|---|---|
| Return on Assets (ROA) | 1.59% | 1.60% |
| Return on Equity (ROE) | 9.72% | 14.09% |
| Net Interest Margin (NIM) | 4.50% | 3.80% |
| Yield on Earning Assets | 5.45% | 5.36% |
| Cost of Funds | 1.10% | 1.74% |
Asset quality
| Metric | Settlers Bank | First Commerce Bank |
|---|---|---|
| Texas Ratio | 0.55% | 1.39% |
| Non-Performing Loan Ratio | 0.15% | 0.21% |
| Non-Performing Asset Ratio | 0.10% | 0.16% |
| Net Charge-Off Ratio | 0.00% | 0.01% |
| ACL / Loans | 1.75% | 1.03% |
Balance sheet
| Metric | Settlers Bank | First Commerce Bank |
|---|---|---|
| Total Assets | $140,202K | $140,168K |
| Total Deposits | $116,944K | $123,717K |
| Total Loans | $91,402K | $110,781K |
| Total Equity | $22,638K | $16,133K |
| Net Income (quarter) | $550 | $562 |
Liquidity & funding
| Metric | Settlers Bank | First Commerce Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 78.16% | 89.54% |
| Core Deposit Ratio | 96.74% | 76.29% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Settlers Bank | First Commerce Bank |
|---|---|---|
| Headquarters City | MARIETTA | MARYSVILLE |
| Headquarters State | OH | KS |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 1 | 2 |
| Employees (FTE) | 19 | 14 |
| Established | July 19, 1999, midnight | Aug. 21, 2002, 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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