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Equitable Savings and Loan Company, The

Cadiz, OH · Cert 29966

State charter, non-member · FDIC · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in OH3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in OH (n=69 to 72). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

88

Q2 2024Q2 2026peer median (50)

Asset Quality

60

Q2 2024Q2 2026peer median (50)

Profitability

16

Q2 2024Q2 2026peer median (50)

Liquidity

5

Q2 2024Q2 2026peer median

Efficiency

3

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Equitable Savings and Loan Company, The

Cadiz, OH · Cert 29966

State charter, non-member · FDIC · 1 branch

Q2 2026

$8.6MAssets
$6.2MLoans
$6.4MDeposits
$2.2MEquity
Loan mix
98%RE $6.3M0%C&I $0.0M2%Consumer $0.1MQ2 2025Q2 2026
Deposit mix
100%Interest-bearing $6.4M0%Noninterest $0.0MQ2 2025Q2 2026

NIM

4.73%Q2 ’244.47%Q2 ’254.21%Q2 ’26-2%-6%

Non-interest income vs. expense

4.51%Q2 ’244.62%Q2 ’254.65%Q2 ’26+1%+3%

Executive Summary

  • Earnings: ROA of -2.26%, down 291 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 1.33% of loans (+114 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 25.56%, up 23 bps from a year ago.
  • Funding: loans stand at 97.99% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-2.26%-291 bps YoY

Net Interest Margin (YTD, annualized)

3.49%-23 bps YoY

Efficiency Ratio (YTD, annualized)

130.72%+1,151 bps YoY

Tier 1 Leverage Ratio

25.56%+23 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%10.84%10.14%1-3.08%-2.26%-291 bps
Return on Equity2.61%3.35%0.56%-12.02%-8.84%-1,145 bps
Net Interest Margin3.72%3.71%3.73%3.36%3.49%-23 bps
Efficiency Ratio119.21%120.00%120.87%128.95%130.72%+1,151 bps
Non-Interest Burden4.47%4.48%4.53%4.36%4.58%+12 bps
Growth
Asset Growth (YoY)0.34%-3.58%-3.69%-6.46%-6.15%-649 bps
Loan Growth (YoY)0.62%-3.22%-1.10%-6.87%-7.99%-862 bps
Deposit Growth (YoY)0.01%-5.76%-5.09%-7.62%-6.50%-652 bps
Asset Quality
Nonperforming Loans / Loans0.19%0.20%0.47%0.50%1.33%+114 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.74%0.75%0.74%0.78%0.80%+6 bps
Allowance Coverage of NPLs3.8x3.8x1.6x1.6x0.6x-3.2x
Capital
Tier 1 Leverage Ratio25.33%25.96%25.57%25.31%25.56%+23 bps
Total Risk-Based Capital25.33%25.96%25.57%25.31%25.56%+23 bps
Equity / Assets25.26%26.00%25.68%25.49%25.57%+31 bps
Liquidity & Funding
Loans / Deposits99.57%100.61%102.47%99.07%97.99%-159 bps
Liquid Assets / Assets16.22%17.93%15.87%14.77%15.07%-115 bps
CRE / Total Capitaln/a0.00%0.00%0.00%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it. 1 One-time gains made up most of net income in the marked periods.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Equitable Savings and Loan Company, The

Cadiz, OH · Cert 29966 · Peer group: banks under $1B in assets in OH (n=69-72)

State charter, non-member · FDIC · 1 branch

Q2 2026

$8.6MAssets
$6.2MLoans
$6.4MDeposits
$2.2MEquity

Executive Summary

  • Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in OH (rank 26 of 69).
  • Widest gap: return on equity trails 99% of banks under $1B in assets in OH (rank 71 of 72).
  • Overall: at or above the peer median on 4 of 9 directional measures.

Return on Assets

-2.30%

Rank 71 of 72

Net Interest Margin

3.49%

Rank 38 of 72

Efficiency Ratio

130.72%

Rank 71 of 72

Equity / Assets

25.57%

Rank 6 of 72

Non-interest income vs. expense

$6K$400KINCOMEEXPENSE
Unfavorable gap of $394K · efficiency ratio beats 3% of banks under $1B in assets in OH
Bank 130.72%Peer median 70.8%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-2.30%0.68%1.03%1.39%Beats 1%71 / 72
Return on Equity-9.01%5.90%10.07%13.60%Beats 1%71 / 72
Net Interest Margin3.49%3.01%3.56%4.07%Beats 46%38 / 72
Efficiency Ratio130.72%56.91%70.77%78.80%Beats 3%71 / 72
Asset Quality
Nonperforming Loans / Loans1.33%0.08%0.27%0.97%Beats 19%57 / 69
Net Charge-Offs / Loans0.00%n/a0.00%0.04%Beats 100%26 / 69
Capital
Tier 1 Capital Ratio25.56%11.44%14.23%20.34%Beats 86%10 / 72
Total Risk-Based Capital Ratio25.56%12.24%14.44%21.24%Beats 86%10 / 72
Equity / Assets25.57%8.75%10.85%13.51%Beats 92%6 / 72
Liquidity & Funding
Loans / Deposits97.99%64.48%76.81%87.49%86th pctl10 / 69
Loans / Assets72.45%56.60%65.67%73.89%72nd pctl20 / 72
Brokered Deposits / Depositsn/aNot reported for this institution