Side-by-side · Q2 2026 data
First Bank of Ohio vs The Settlers Bank
Metric by metric
| Measure | First Bank of Ohio | The Settlers Bank |
|---|---|---|
| TellerScore | 90 | 94 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 91 | 94 (stronger) |
| Earnings | 98 (stronger) | 93 |
| Funding & liquidity | 50 | 79 (stronger) |
| Problem-loan coverage | 99 | 99 |
| Peer percentile | 95th | 98th |
| Total assets | $278.4M | $142.4M |
| Deposits / shares | $176.2M | $119.1M |
| Capital ratio | 35.51% (stronger) | 16.19% |
| Problem loans | 0.26% | 0.18% (stronger) |
| Net charge-offs | 1.43% | 0.00% (stronger) |
| Return on assets | 1.96% (stronger) | 1.83% |
| Loans ÷ deposits | 107.4% | 77.1% (stronger) |
| Uninsured deposits | 17.3% (stronger) | 18.4% |
| Offices | 5 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
The Settlers Bank has the higher TellerScore (94 vs 90). On the 7 directional measures above (where higher or lower is clearly better), First Bank of Ohio leads on 3 and The Settlers Bank on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.