PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Equitable Bank, S.S.B., The

Wauwatosa, WI · Cert 28614 · Teb MHC

SI · FDIC · 6 branches

Q2 2026

$327.1MAssets
$286.0MLoans
$289.1MDeposits
$30.6MEquity
Loan mix
99%RE $283.5M1%C&I $3.6M0%Consumer $0.1MQ3 2024Q2 2026
Deposit mix
86%Interest-bearing $249.3M14%Noninterest $39.8MQ3 2024Q2 2026

Market Position · Milwaukee-Waukesha, WI · 2026 SOD (annual) · 0.3% share · #28 of 43 inst. · $0.2B of $79.9B

0.4% Milwaukee
0.9% Racine
0.2% Waukesha

Executive Summary

  • Earnings: ROA of 0.17%, up 32 bps year over year; NIM at 3.06%.
  • Asset quality: problem loans at 0.05% of loans (-9 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 9.70%, up 3 bps from a year ago.
  • Funding: loans stand at 98.93% of deposits as of Q2 2026.

Return on Assets (quarter, annualized)

0.17%+32 bps YoY

Net Interest Margin (quarter, annualized)

3.06%+29 bps YoY

Efficiency Ratio (quarter, annualized)

95.72%-867 bps YoY

Tier 1 Leverage Ratio

9.70%+3 bps YoY

NIM

4.42%Q2 ’244.58%Q2 ’254.69%Q2 ’26+25%+11%

Non-interest income vs. expense

3.61%Q2 ’243.60%Q2 ’253.77%Q2 ’26-4%0%

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.32%-0.35%-0.75%-0.15%0.02%0.31%0.45%0.17%+32 bps
Return on Equity-3.76%-4.01%-8.69%-1.75%0.24%3.59%5.11%1.84%+359 bps
Net Interest Margin2.28%2.42%2.39%2.77%2.80%2.95%2.84%3.06%+29 bps
Efficiency Ratio110.28%110.75%125.87%104.39%99.93%91.86%104.47%95.72%-867 bps
Non-Interest Burden2.61%2.77%3.15%2.93%2.81%2.65%3.00%2.92%-1 bps
Growth
Asset Growth (YoY)-3.93%-7.65%-6.38%-3.63%-2.23%3.62%2.99%0.69%+432 bps
Loan Growth (YoY)-3.31%-6.64%-6.18%-3.01%-0.69%4.40%3.10%0.66%+366 bps
Deposit Growth (YoY)-6.58%-8.44%-8.68%-4.98%-3.56%-1.10%5.13%-0.80%+417 bps
Asset Quality
Nonperforming Loans / Loans0.11%0.16%0.25%0.14%0.33%0.09%0.10%0.05%-9 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.08%0.00%0.00%0.00%0.00%-8 bps
Allowance / Loans0.92%0.96%0.96%0.92%0.90%0.90%0.73%0.74%-18 bps
Allowance Coverage of NPLs8.1x5.9x3.9x6.4x2.8x10.4x7.2x15.1x+8.6x
Capital
Tier 1 Leverage Ratio9.56%9.56%9.68%9.67%9.49%9.36%9.51%9.70%+3 bps
Total Risk-Based Capital9.56%9.56%9.68%9.67%9.49%9.36%9.51%9.70%+3 bps
Equity / Assets8.69%8.64%8.69%8.57%8.67%8.68%8.87%9.36%+79 bps
Liquidity & Funding
Loans / Deposits97.79%96.03%98.89%97.50%100.70%101.36%96.98%98.93%+144 bps
Liquid Assets / Assets0.41%0.73%0.02%0.21%0.00%0.19%0.28%0.65%+45 bps
CRE / Total Capitaln/an/an/an/a455%459%449%n/an/a