The Settlers Bank: how it compares with its peers
Against 64 OH banks with half to twice its assets, The Settlers Bank's strongest measure in Q2 2026 is return on assets (1.83% vs. a 0.77% peer median). Its weakest relative measure is assets per employee ($7.5M vs. $5.7M).
| Measure | The Settlers Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.83% | 0.77% | Top third Ahead of 94% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.68% | 3.60% | Top third Ahead of 83% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 50.50% | 76.69% | Top third Ahead of 94% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.5M | $5.7M | Top third Ahead of 77% of peers |
| Loans to deposits Net loans and leases over total deposits. | 77.11% | 80.24% | Context |
What it means for lending operations
Its efficiency ratio of 50.50% is better than the 76.69% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Monroe Federal Savings and Loan Association Tipp City, OH · $145M
- The Twin Valley Bank West Alexandria, OH · $138M
- Miami Savings Bank Miamitown, OH · $148M
- The Farmers and Merchants Bank Caldwell, OH · $136M
- Fidelity Federal Savings and Loan Association of Delaware Delaware, OH · $132M
- Nationwide Trust Company, FSB Columbus, OH · $154M
Questions about The Settlers Bank
How big is The Settlers Bank?
The Settlers Bank, established in 1999, is headquartered in Marietta, OH. It reported $142M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Settlers Bank's return on assets?
1.83% annualized in Q2 2026, against a 0.77% median for 64 OH banks with half to twice its assets, ahead of 94% of them.
What is The Settlers Bank's efficiency ratio?
50.50% in Q2 2026: it spent about 50 cents in noninterest expense for each dollar of revenue. The peer median is 76.69%, and lower is better.
Is The Settlers Bank growing its loans?
Net loans grew 10.1% over the year to Q2 2026, while deposits grew 7.8%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OH banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.