Settlers Bank
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Data as of · sourced from FFIEC call reports. How we update
Settlers Bank is an FDIC-insured commercial bank headquartered in Marietta, OH, established in 1999 (FDIC certificate 35060), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $142.4M, up 7.5% from Q2 2025, the 113th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 16.19% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 35060
- Headquarters
- Marietta, OH
- Established
- 1999
- Total assets, Q2 2026
- $142.4M
- Assets vs Q2 2025
- +7.5%
- Tier 1 leverage ratio, Q2 2026
- 16.19%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 044215521
- Holding company
- THIRD STREET BANCSHARES, INC.
- Asset rank in state
- 113th of 154 in Ohio
Settlers Bank carries far more capital than most banks of its size. The Marietta, Ohio bank had $142 million in assets at June 30, 2026, up 7.5% from a year earlier. It funds 16.19% of its assets with Tier 1 capital, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 10.99%). It also holds commercial real estate loans equal to only 10% of its capital, a small fraction of the median of 1.2 times for banks its size.
Net income for the quarter rose 11% from a year earlier, to $730,000.
As of June 30, 2026, Settlers Bank reported a return on assets of 2.04%, a nonperforming-loan ratio of 0.18% and a Texas ratio of 0.67%. The figures come from its call report filed with the FFIEC.
Of the 154 banks headquartered in Ohio, Settlers Bank is the 113th largest by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 1.6% to $142.4M, loans rose 2.2% and deposits rose 1.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 77.8% of total loans, ahead of owner-occupied commercial real estate loans at 9.8%. The FDIC Summary of Deposits lists a single office for it, in Marietta, OH. Judged on its Q2 2026 call report, Settlers Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 115 3rd St # 121, Marietta, OH 45750
- County
- Washington
- Metro Area
- Marietta, OH
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- July 19, 1999
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 19
- Domestic deposits
- $119.1M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $0
- Average total assets
- $143.2M
- Average total loans
- $91.9M
- Average interest-bearing deposits
- $87.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- July 19, 1999
- FDIC Cert
- 35060
- Fed RSSD
- 2747279
- SEC CIK
- 1073087 → filed by THIRD STREET BANCSHARES, INC.
- Website
- http://www.settlers.bank →
- Parent Holding Company
- THIRD STREET BANCSHARES, INC. (RSSD 2747288)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Settlers Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, Settlers Bank's total assets ranged from $126.4M (Q2 2024) to $142.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$142.4M total assets against $132.5M; $119.5M total liabilities against $110.9M.
$91.8M net loans and leases against $83.4M; $119.1M total deposits against $110.5M.
$25.4M securities against $24.3M; $19.8M cash and balances due against $19.6M.
$1.9M total interest income against $1.8M; $325K total interest expense against $277K.
$1.6M net interest income against $1.5M.
$108K total noninterest income against $86K; $780K total noninterest expense against $783K.
$9K provision for credit losses against $5K.
$730K net income against $655K.
2.04% return on assets against 1.96%; 4.66% net interest margin against 4.78%.
16.19% tier 1 leverage ratio against 16.23%.
Inside the full Settlers Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeSettlers Bank rankings
Its closest position to the top of a national ranking is 439 of 3,606, for efficiency ratio; its furthest is 3,346 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.59% (Q1 2026) to 3.01% (Q3 2025) and its net interest margin ran from 4.47% (Q1 2025) to 4.90% (Q3 2025).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 16.19% | 2.04% | 0.18% | 0.67% | 4.66% |
| Q1 2026 | 16.46% | 1.59% | 0.15% | 0.55% | 4.50% |
| Q4 2025 | 16.48% | 1.94% | 0.13% | 0.46% | 4.71% |
| Q3 2025 | 16.70% | 3.01% | 0.13% | 0.48% | 4.90% |
| Q2 2025 | 16.23% | 1.96% | 0.22% | 0.82% | 4.78% |
| Q1 2025 | 16.34% | 1.72% | 0.24% | 0.83% | 4.47% |
| Q4 2024 | 16.07% | 1.91% | 0.00% | 0.00% | 4.68% |
| Q3 2024 | 16.31% | 1.88% | 0.00% | 0.00% | 4.66% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Settlers Bank | Marietta , OH | 45750 | $119.1M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 130 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Settlers Bank
What are Settlers Bank's total assets?
As of the Q2 2026 filing, Settlers Bank reported total assets of $142.4 million in its FFIEC call report.
Where is Settlers Bank headquartered?
It is headquartered in Marietta, OH, United States.
When was Settlers Bank founded?
It was established in 1999, per the FDIC institution directory.
Is Settlers Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #35060). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Settlers Bank?
Settlers Bank's primary federal regulator is the Federal Reserve.
How many branches does Settlers Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Settlers Bank's Texas Ratio?
Its Texas Ratio is 0.67% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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