Settlers Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 218.88 percentage points lower than in Q1 2026, at 975.15%. Among 156 Ohio banks, Settlers Bank sits 10th from the top on return on assets, 2.04% as of Q2 2026. Settlers Bank's return on assets of 2.04% is well above the 1.25% median for banks in the $100M-1B asset tier, a gap of 0.78 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.19% |
| Equity capital to assets | 16.09% |
| Tangible equity to tangible assets | 16.09% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.18% |
| Non-performing assets ratio | 0.12% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.67% |
| Allowance for credit losses to loans | 1.72% |
| Reserve coverage of non-performing loans | 975.15% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.04% |
| Return on equity | 12.82% |
| Net interest margin | 4.66% |
| Efficiency ratio | 45.39% |
| Yield on earning assets | 5.61% |
| Cost of funds | 1.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 78.46% |
| Core deposits to total deposits | 96.77% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.58% |
| Securities to assets | 17.86% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.21% | 1.96% | 4.70% | 0.24% | -0.85% |
| Q4 2023 | 15.45% | 1.99% | 4.68% | 0.37% | 0.00% |
| Q1 2024 | 15.84% | 1.61% | 4.49% | 0.17% | 0.13% |
| Q2 2024 | 16.37% | 1.85% | 4.64% | 0.24% | -0.26% |
| Q3 2024 | 16.31% | 1.88% | 4.66% | 0.00% | -0.01% |
| Q4 2024 | 16.07% | 1.91% | 4.68% | 0.00% | 0.00% |
| Q1 2025 | 16.34% | 1.72% | 4.47% | 0.24% | 0.00% |
| Q2 2025 | 16.23% | 1.96% | 4.78% | 0.22% | 0.05% |
| Q3 2025 | 16.70% | 3.01% | 4.90% | 0.13% | 0.00% |
| Q4 2025 | 16.48% | 1.94% | 4.71% | 0.13% | 0.00% |
| Q1 2026 | 16.46% | 1.59% | 4.50% | 0.15% | 0.00% |
| Q2 2026 | 16.19% | 2.04% | 4.66% | 0.18% | 0.00% |
Settlers Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Settlers Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Settlers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 35060) · FFIEC NIC profile (RSSD 2747279)