# SETTLERS BANK
MARIETTA, OH · FDIC certificate 35060 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *fortress*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $142.4M | |
| Deposits | $119.1M | |
| Loans and leases | $93.4M | |
| Total equity | $22.9M | |
| Loans / deposits | 77.11% (p57 of band) | 73.59% |
| Liquid assets / assets | 31.75% (p48 of band) | |
| Uninsured deposits / deposits | 18.40% (p45 of band) | 19.81% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p23 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 16.19% (p82 of band) | 11.76% |
| Unrealized securities loss / equity | -1.47% (p73 of band) | -6.57% |
| AOCI / equity | -1.21% (p23 of band) | |
| ROA (annualized) | 1.83% (p81 of band) | 1.17% |
| Net interest margin | 4.68% (p82 of band) | 3.93% |
| Efficiency ratio | 50.50% (p14 of band) | |
| Noncurrent loans | 0.18% (p40 of band) | 0.36% |
| Net charge-offs (annualized) | 0.00% (p38 of band) | |
| Reserve coverage of noncurrent | 975.15% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 5.74% (p31 of band) | |
| Auto loans | $4.5M (4.80% of loans; DQ 0.54%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | 7.8% | |
| Employees | 19 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 1 | capital falling |  |
| 2012-06 | 0 |  | capital falling |
| 2012-09 | 0 |  |  |
| 2012-12 | 1 | uninsured deposits leaving |  |
| 2013-03 | 2 | deposits shrinking, assets shrinking | uninsured deposits leaving |
| 2013-06 | 2 | loans exceed deposits, liquid assets <10% | deposits shrinking, assets shrinking |
| 2013-09 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2013-12 | 1 | capital falling |  |
| 2014-03 | 0 |  | capital falling |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 1 | reserve under noncurrent |  |
| 2015-09 | 1 |  |  |
| 2015-12 | 1 |  |  |
| 2016-03 | 0 |  | reserve under noncurrent |
| 2016-06 | 3 | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |  |
| 2016-09 | 1 | liquid assets <10% | reserve under noncurrent, deposits shrinking, uninsured deposits leaving |
| 2016-12 | 1 | reserve under noncurrent | liquid assets <10% |
| 2017-03 | 1 |  |  |
| 2017-06 | 2 | capital falling |  |
| 2017-09 | 0 |  | reserve under noncurrent, capital falling |
| 2017-12 | 1 | reserve under noncurrent |  |
| 2018-03 | 1 | uninsured deposits leaving | reserve under noncurrent |
| 2018-06 | 1 | charge-offs p90 | uninsured deposits leaving |
| 2018-09 | 1 |  |  |
| 2018-12 | 0 |  | charge-offs p90 |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 1 | capital falling |  |
| 2020-03 | 0 |  | capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 0 |  | capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 1 | charge-offs p90 |  |
| 2022-03 | 1 | NIM <2.5% | charge-offs p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 0 |  | NIM <2.5% |
| 2022-12 | 3 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |
| 2023-03 | 3 |  |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 |  | uninsured deposits leaving |
| 2023-12 | 2 |  |  |
| 2024-03 | 2 | charge-offs p90 | assets shrinking |
| 2024-06 | 0 |  | deposits shrinking, charge-offs p90 |
| 2024-09 | 0 |  |  |
| 2024-12 | 1 | capital falling |  |
| 2025-03 | 0 |  | capital falling |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-31 [Stage presents: Settlers Bank makes $500,000 investment in Peoples Bank Theatre - - Marietta Times](https://news.google.com/rss/articles/CBMiqAFBVV95cUxNcmN1WEpSLUEtcGdreG1aSTlMaUdsX2dBdklSb3dQYTk1blRqZVp4S2dkYTlwaHlWcFc5bEs1T3BiZWE5SXlkWXNLZVFDcmFjd3RNajhVRVZLREJyaVdNemUxUVFDTXZCX09uS2FkWnRQaDh6MDcyVE5WNzhETjZRc0MzNGxMUm9hM2U5RVlvQUEyZExORXVYdVRSNGoyUS1EUVJNN0E3NGM?oc=5) · Marietta Times
- 2026-06-04 [Settlement Tax Benefits Bill: Direct Deposits into Settlers’ Bank Accounts - שלום עכשיו](https://news.google.com/rss/articles/CBMioAFBVV95cUxNc1lVWm5LaU03VmlvWWVpOG9WN09PTWJ6a1BHaFhwRkk1R2VOWjlDQUowVURFRGEwNUZ3c05tbGF4UjVIOTlZWFpteHdOck02V2tES1plSE1EMW55RzcwNXlXVkVPdU8ydm1JZk1mQmtPb2NlYjl3S01EVEFSRXRoOWRsMmYxbG9wTFJzMWR5TUhXZUkxNFV3TzhWbHBJNlBu?oc=5) · שלום עכשיו
- 2022-11-03 [Minnesota credit union to buy Wisconsin bank in 11th such tie-up of 2022 - Banking Dive](https://news.google.com/rss/articles/CBMiswFBVV95cUxQek9abS1JVWZxSDUyWGtrYVFhbUpzd1lRLVFLWEplV1NYUWtjQWttQlY0dHAtU1NVSHRqeDFsZTQ5dlMxQ1o4X3BrNjM2N0pjSU4wR2VVLTJkclY5cFdHVXRZdGdZcm5QYlR2WU9Vd1poX24tZHAxZnliVjlBY0ljaEhPNVhXeXU4LVI4enN3WHQ4cDNlaXVyenVMXzhUN05kdUdMbVJJa0dTeTBzLUU3NEJRYw?oc=5) · Banking Dive
- 2022-11-04 [Wings Financial Credit Union to Acquire Settlers Bank - Business Wire](https://news.google.com/rss/articles/CBMirwFBVV95cUxNNTdxV21yV2lWZ3BWQk5ocDhSSFZOd2dMMFlvUnF5aXdvbmczMXA0Y1NoNkVJTE8yLW5rU09KMGxkeEZmT2FCUjRaOG5vZzZUNUx1dm5oQzdoNjdkbFV1dGMxNGxrWEJUVTcyNUZLdmlkR1FGSldXZS1oZFNPNUxEeFlSMjBlTE43TVlOeTgyRzlNTnFfQl9xRmlSSVVUT0JtSFo1OW5lLWtTcFZZQlFZ?oc=5) · Business Wire
- 2022-11-02 [Minnesota credit union buying a Wisconsin community bank - American Banker](https://news.google.com/rss/articles/CBMiqAFBVV95cUxQbmhoR2lHSUs1WkUxcHZxZHJyT1VVWTRSUXc0U1A3dktpVlVrZGN2Znc4a1Jxel81eW1DWTN6UEl0TnJlT1JUaVhVemVwQVFtTno0dFhaTHd6OE05OExIeGpPUlNrYjNJR1FaSUg3N29TNHZiMFFzbXdLQS14SU1qeWNQUG9YNFdiOTcwXzdwYTVsWGYwN24wOFRVSW51V1VpdllZQUJNU1k?oc=5) · American Banker
- 2022-11-02 [Wings Financial Credit Union to acquire Wisconsin bank - The Business Journals](https://news.google.com/rss/articles/CBMiowFBVV95cUxNd2oyTXd1ckdEYmpPVFowcTBBNDlYUVRSU2NCdHV1RkFZanJKbjlKQnE1QTRpNmNpT1dDcDBOTG5hclRvcDlOTzMzWG1aV0FyY0lsT0hYblRBMmpfbmMzaDRuNkt6YTJ6THJpX05GdlpRZFM0U3BDcC1xMGs2WnoxblVoelVnOW5sWnVvZk1vV1MtYkQyTWgycjAxZmhYZGZ3Yngw?oc=5) · The Business Journals
- 2017-06-30 [Marietta hosts grand opening of new exercise park for adults of all abilities - WTAP](https://news.google.com/rss/articles/CBMitwFBVV95cUxNZ0RXNlBOTlYtaW5KLUFmczhMVFk1YVdTNmVDQlBKZDhWM1Q1blkxX1N4aFMtUEtncFA0amhUUWhacDAzY1hGczE3U0EweUV5Q0o3djJyaHVOSUNyRks1WlI2d3RiX2ZWTnZNNUhnbnc2azhzTE93OXk1bHNvMTlCNjdxUEdmSUVON0VobHY5Szg4cDNaRm54bVM0akVWQUtURmtaVWlFcGZ5SEpIMHZ1YllyaE4yOFU?oc=5) · WTAP
- 2024-02-05 [Israeli banks heed US anti-settler sanctions, far-right ministers object - Reuters](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOUWFMZHQyN0lSYkRybmJCek5QSzMyYlBsX3N2ZkRtR2NIRUNRN2RVT0E0UjJqVzBtVi0wa2I2cHhaRXRHLWFFN1ZrbUFPZC1sNjI0Yjgtc19zb0h3cEV1SUxmZ1MydlBQZXU1Z3R0UGZsOXFPczlSV2txUDdaOUNzMGZkZGo5eWdaeXhNOThaaW9HRDJBRnQxN3luaHNvQ2I1cTNWSzFTZnk2THRObWFaOXdjZzdTYTNvcE1aMVRpNUlLRDA?oc=5) · Reuters

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=35060 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/52.json (key "35060", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide