BlastPoint's Banking Scorecard
The Settlers Bank
Marietta, OH
The Settlers Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.32% above tier average
- + Net Interest Margin 0.62% above tier average
- + Efficiency Ratio 9.31% below tier average
- + Delinquency Rate 0.74% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 69.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$140.2M
+4.9% YoY
+2.4% QoQ
|
-$245.9M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 11.3% in tier |
| Total Loans ? |
$89.8M
+14.6% YoY
+2.3% QoQ
|
-$165.9M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
16% |
| Total Deposits ? |
$116.9M
+4.6% YoY
+2.9% QoQ
|
-$211.0M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 11.1% in tier |
| Return on Assets ? |
1.59%
-6.6% YoY
-26.3% QoQ
|
+0.32% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
72% |
| Net Interest Margin ? |
4.55%
+1.1% YoY
-4.8% QoQ
|
+0.62% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
83% |
| Efficiency Ratio ? |
55.97%
+7.3% YoY
+22.4% QoQ
|
-9.31% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
71% |
| Delinquency Rate ? |
0.15%
-38.5% YoY
+17.0% QoQ
|
-0.74% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
69% |
| Loan-to-Deposit Ratio ? |
76.79%
+9.5% YoY
-0.6% QoQ
|
+0.15% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
53% |
| Non-Interest-Bearing Deposit Share ? |
25.83%
-7.5% YoY
-1.8% QoQ
|
+3.81% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.10%
-32.8% YoY
+16.8% QoQ
|
-0.54% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
71% |
| Tier 1 Capital Ratio ? |
16.46%
+0.7% YoY
-0.1% QoQ
|
+0.63% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
74% |
| Non-Interest Income / Assets ? |
0.07%
+3.2% YoY
-88.6% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
29% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.