Total Assets
$137M
Total balance-sheet footings
FDIC Cert #35060 · Marietta, Ohio · Est. 1999
The Settlers Bank - FDIC Bank Health Profile
A community-scale look at The Settlers Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $137M
- Total assets
- A
- Health grade · Excellent
- 2.16%
- Return on assets
- 16.5%
- Tier 1 capital
Data updated July 2026
The verdict
The Settlers Bank earns a PlainBankData health grade of A (100/100), with well-capitalized at 16.48% Tier 1, profitable at 2.16% ROA, efficient (46% cost ratio).
- #3,467
- largest of 4,313 FDIC banks by assets
- 20th
- percentile by asset size, nationally
- 16.48%
- Tier 1 ratio - above the 10% well-capitalized line
- 93rd
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Settlers Bank's 100/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Settlers Bank's composite health score
Tier 1 Capital Ratio (16.48%) 40/40
Return on Assets (ROA) (2.16%) 25/25
Texas Ratio (0.46%) 20/20
Efficiency Ratio (45.73%) 15/15
100 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$114M
Customer-funded liabilities
Net Loans
$88M
Outstanding loan book
Net Income
$3M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Settlers Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Settlers Bank's score of 100/100 falls in the highlighted band.
The Settlers Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). The Settlers Bank's $137M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.48% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.48%
Texas Ratio
0.46%
Equity Capital
$23M
Profitability metrics
Return on Assets (ROA)
93rd percentile nationally
2.16%
Return on Equity (ROE)
13.29%
Efficiency Ratio
45.73%
What the numbers say about The Settlers Bank
The Settlers Bank is an FDIC-insured institution (Certificate #35060) headquartered in Marietta, Ohio, established in 1999. It holds $137M in total assets - 3,467th of 4,313 FDIC-insured banks, $114M in customer deposits, and $88M in net loans. Capital-wise, the Tier 1 ratio sits at 16.48%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.46%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (100 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
The Settlers Bank is a community-scale institution -- 114th of 158 FDIC-insured banks headquartered in Ohio by asset size. Its modest footprint doesn't diminish its role: community banks this size are typically the primary lender for small local businesses and agricultural borrowers that larger regional banks tend to underserve.
Income & expense breakdown
$7M
Interest Income
$787K
Non-Interest Income
$3M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. The Settlers Bank reports a Texas Ratio of 0.46% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.46% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Ohio by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Settlers Bank (FDIC Cert #35060) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| JPMorgan Chase Bank, National AssociationColumbus | $3.75T | A | 1.34% |
| U.S. Bank National AssociationCincinnati | $676.1B | A | 1.18% |
| The Huntington National BankColumbus | $224.0B | A | 1.20% |
| Fifth Third Bank, National AssociationCincinnati | $213.7B | A | 1.34% |
| KeyBank National AssociationCleveland | $181.7B | A | 1.17% |
| First Financial BankCincinnati | $21.0B | A | 1.53% |
| Third Federal Savings and Loan Association of ClevelandCleveland | $17.5B | A | 0.51% |
| The Park National BankNewark | $9.7B | A | 1.90% |
Frequently asked questions
What is The Settlers Bank's health grade?▼
The Settlers Bank receives a health grade of A (100/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is The Settlers Bank?▼
The Settlers Bank holds $137M in total assets and $114M in deposits, ranking 3,467th of 4,313 FDIC-insured banks by asset size. It is headquartered in Marietta, Ohio.
Is my money safe at The Settlers Bank?▼
Yes, deposits at The Settlers Bank (Certificate #35060) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Settlers Bank's Tier 1 Capital Ratio?▼
The Settlers Bank has a Tier 1 Capital Ratio of 16.48%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for The Settlers Bank?▼
The Settlers Bank has a Texas Ratio of 0.46%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Settlers Bank?▼
The Settlers Bank has an Efficiency Ratio of 45.73%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Settlers Bank's profile as a depositor or analyst.
- The Settlers Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Settlers Bank against other Ohio banks before moving funds. Ohio banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.