This institution is no longer active

Operations ceased on December 31, 2023. CRA examination history below reflects the period it was active.

SETTLERS BANK

WINDSOR, WI · Supervised by FDIC

Est. 2007FDIC #58,651RSSD: FDIC-58651

Part ofSB BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: February 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.59%

Is this bank safe?

SETTLERS BANK holds a Satisfactory CRA rating (2022), meets basic financial requirements (ROA +0.59%).

Institution Profile

FDIC BankFind

Address

4021 Meridian Dr, WINDSOR, WI

County

Dane County

Established

December 3, 2007

Total Assets

$411M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2022

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q2 2023Call Report / FDIC

Total Assets

$411M

Total Deposits

$296M

Net Loans

$374M

Net Income

$1M

ROA

0.59%

Above avg for Small banks. Peer avg: 0.44%

ROE

5.50%

Risk-Based Capital

12.23%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.59%Peer avg: 0.44%▲ Above avg

Risk-Based Capital12.23%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate0.00%Peer avg: 6.90%▼ Fewer than avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2023	78	88.46%	0.00%
2022	189	74.07%	1.06%
2021	345	86.67%	1.74%
2020	575	87.65%	1.22%
2019	314	86.31%	2.87%
2018	211	80.57%	2.84%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Feb 2022	Satisfactory	Small Bank
Jan 2019	Satisfactory	Small Bank
Apr 2013	Satisfactory	Small Bank

1 previous rating locked — back to 2010

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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