Headquartered in Marietta, Ohio, The Settlers Bank is a state-chartered bank (fed member) with $142.4M in total assets and $119.1M in deposits as of Q2 2026. It operates 1 office. Its charter dates back to 1999.
Based on its Q2 2026 filing, The Settlers Bank scores 94/100, which we describe as very strong. That is higher than 98% of 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 3rd. Its strongest component is capital cushion (100/100; 16.19%), and its lowest is funding & liquidity (79/100; 77% loans-to-deposits, 18% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (94 → 94).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 94 |
| Q3 2024 | 96 |
| Q4 2024 | 96 |
| Q1 2025 | 93 |
| Q2 2025 | 94 |
| Q3 2025 | 96 |
| Q4 2025 | 96 |
| Q1 2026 | 92 |
| Q2 2026 | 94 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 16.37% |
| Q3 2024 | 16.31% |
| Q4 2024 | 16.07% |
| Q1 2025 | 16.34% |
| Q2 2025 | 16.23% |
| Q3 2025 | 16.70% |
| Q4 2025 | 16.48% |
| Q1 2026 | 16.46% |
| Q2 2026 | 16.19% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.24% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 0.24% |
| Q2 2025 | 0.22% |
| Q3 2025 | 0.13% |
| Q4 2025 | 0.13% |
| Q1 2026 | 0.15% |
| Q2 2026 | 0.18% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.72% |
| Q3 2024 | 1.77% |
| Q4 2024 | 1.81% |
| Q1 2025 | 1.70% |
| Q2 2025 | 1.84% |
| Q3 2025 | 2.22% |
| Q4 2025 | 2.16% |
| Q1 2026 | 1.59% |
| Q2 2026 | 1.83% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 94 | $142.4M | 16.19% | 0.18% | 1.83% | 77.1% |
| Q1 2026 | 92 | $140.2M | 16.46% | 0.15% | 1.59% | 76.8% |
| Q4 2025 | 96 | $136.9M | 16.48% | 0.13% | 2.16% | 77.3% |
| Q3 2025 | 96 | $135.3M | 16.70% | 0.13% | 2.22% | 75.0% |
| Q2 2025 | 94 | $132.5M | 16.23% | 0.22% | 1.84% | 75.5% |
| Q1 2025 | 93 | $133.6M | 16.34% | 0.24% | 1.70% | 70.1% |
| Q4 2024 | 96 | $132.3M | 16.07% | 0.00% | 1.81% | 70.6% |
| Q3 2024 | 96 | $130.8M | 16.31% | 0.00% | 1.77% | 70.6% |
| Q2 2024 | 94 | $126.4M | 16.37% | 0.24% | 1.72% | 71.0% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Monroe Federal Savings and Loan AssociationBank Tipp City, OH | 59 out of 100, Moderate | $144.5M | 9.9% | 0.22% | vs |
| The Twin Valley BankBank West Alexandria, OH | 72 out of 100, Strong | $137.6M | 9.2% | 0.08% | vs |
| Miami Savings BankBank Miamitown, OH | 83 out of 100, Strong | $148.3M | 23.2% | 0.43% | vs |
| The Farmers and Merchants BankBank Caldwell, OH | 66 out of 100, Moderate | $136.4M | 14.9% | 3.86% | vs |
| Fidelity Federal Savings and Loan Association of DelawareBank Delaware, OH | 82 out of 100, Strong | $131.6M | 17.0% | 0.04% | vs |
| Nationwide Trust Company, FSBBank Columbus, OH | 94 out of 100, Very strong | $153.6M | 36.9% | 0.00% | vs |
Deposit insurance
Is my money safe at The Settlers Bank?
Yes. The Settlers Bank is an FDIC-insured institution (FDIC certificate #35060). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 18.4% of deposits ($21.9M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 16.19%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
The Settlers Bank lists 1 office in 1 city. Most locations:
- Marietta, OH (1)
Identity & history
Profile
- Legal name
- The Settlers Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 35060
- RSSD ID
- 2747279
- Primary regulator
- FED
- Holding company
- Third Street Bancshares Inc
- Established
- July 19, 1999
- Headquarters
- 115 3rd St # 121, Marietta, OH 45750
- Website
- www.settlers.bank
- Employees
- 19
Quick answers
The Settlers Bank: common questions
Is The Settlers Bank FDIC insured?
Yes. The Settlers Bank is an FDIC-insured institution (FDIC certificate #35060). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Settlers Bank's TellerScore?
94 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Settlers Bank ever failed?
There is no failure record for FDIC certificate #35060 in the FDIC failed bank list.
How many branches does The Settlers Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Marietta
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Bank of OhioBank Tiffin, OH | 90 out of 100, Very strong | $278.4M | 35.5% | 0.26% | vs |
| The Citizens Bank CompanyBank Beverly, OH | 86 out of 100, Very strong | $334.6M | 13.6% | 0.39% | vs |
| Union Trades Federal Credit UnionCredit union Parkersburg, WV | 84 out of 100, Strong | $34.4M | 18.4% | 0.92% | vs |
| The Waterford Commercial and Savings BankBank Waterford, OH | 83 out of 100, Strong | $60.0M | 13.6% | 0.09% | vs |
| Southeastern Ohio Credit UnionCredit union Cambridge, OH | 78 out of 100, Strong | $65.4M | 12.1% | 1.03% | vs |
| The Hocking Valley BankBank Athens, OH | 77 out of 100, Strong | $354.0M | 11.4% | 0.54% | vs |