BlastPoint's Banking Scorecard
The Settlers Bank
Micro
Specialty: Mortgage
OH
FDIC cert 35060
Designations: ✓ Community bank
Marietta, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Settlers Bank demonstrates 2 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.07% above tier
- + Efficiency Ratio 21.99% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$136.9M
+3.5% YoY
+1.2% QoQ
|
-$80.6M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
33% |
| Total Loans ? |
$87.8M
+12.3% YoY
+4.1% QoQ
|
-$51.4M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
38% |
| Total Deposits ? |
$113.7M
+2.6% YoY
+1.1% QoQ
|
-$70.0M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
2.16%
+19.2% YoY
-3.1% QoQ
|
+1.07% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Top 7% in tier |
| Net Interest Margin ? |
4.78%
+1.7% YoY
+0.2% QoQ
|
+0.93% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
Top 14% in tier |
| Efficiency Ratio ? |
45.73%
-9.5% YoY
+1.9% QoQ
|
-21.99% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 6% in tier |
| Delinquency Rate ? |
0.13%
-5.7% QoQ
|
-0.51% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
68% |
| Loan-to-Deposit Ratio ? |
77.25%
+9.4% YoY
+3.0% QoQ
|
+2.73% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
26.30%
-7.2% YoY
-1.6% QoQ
|
+3.91% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
68% |
| Nonperforming Asset Ratio ? |
0.08%
-2.9% QoQ
|
-0.37% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.57%
+148.4% YoY
+12.2% QoQ
|
+0.01% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
75% |
Signature Analysis
Strengths (2)
Return on Assets
metric
Top 7%
in Micro
Why this stands out
Current:
2.16%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 6%
in Micro
Why this stands out
Current:
45.73%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Efficiency Ratio
Current: 45.73% · Tier avg: 67.73%
93
93th pctile
Return on Assets
Current: 2.16% · Tier avg: 1.08%
86
86th pctile
Net Interest Margin
Current: 4.78% · Tier avg: 3.85%
75
75th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.56%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
68
68th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.64%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.30% · Tier avg: 22.39%
52
52th pctile
Loan-to-Deposit Ratio
Current: 77.25% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
38
38th pctile
Total Loans
Current: $87.8M · Tier avg: $139.2M
33
33th pctile
Total Deposits
Current: $113.7M · Tier avg: $183.7M
33
33th pctile
Total Assets
Current: $136.9M · Tier avg: $217.5M
Top Weaknesses
33
33th pctile
Total Assets
Current: $136.9M · Tier avg: $217.5M
33
33th pctile
Total Deposits
Current: $113.7M · Tier avg: $183.7M
38
38th pctile
Total Loans
Current: $87.8M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Loan-to-Deposit Ratio
Current: 77.25% · Tier avg: 74.53%
68
68th pctile
Non-Interest-Bearing Deposit Share
Current: 26.30% · Tier avg: 22.39%
68
68th pctile
Delinquency Rate
Current: 0.13% · Tier avg: 0.64%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
75
75th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.56%
86
86th pctile
Net Interest Margin
Current: 4.78% · Tier avg: 3.85%
93
93th pctile
Return on Assets
Current: 2.16% · Tier avg: 1.08%
94
94th pctile
Efficiency Ratio
Current: 45.73% · Tier avg: 67.73%