Equitable Savings and Loan Company, The
Cadiz, OH · Cert 29966 · Peer group: banks under $1B in assets in OH (n=70-73)
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 70).
- Widest gap: return on equity trails 99% of banks under $1B in assets in OH (rank 72 of 73).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
-2.30%
Rank 72 of 73
Net Interest Margin
3.49%
Rank 39 of 73
Efficiency Ratio
130.72%
Rank 72 of 73
Equity / Assets
25.57%
Rank 6 of 73
Non-interest income vs. expense
Unfavorable gap of $394K · efficiency ratio beats 3% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -2.30% | 0.68% | 1.02% | 1.39% | Beats 1% | 72 / 73 | |
| Return on Equity | -9.01% | 5.90% | 9.34% | 13.19% | Beats 1% | 72 / 73 | |
| Net Interest Margin | 3.49% | 3.01% | 3.56% | 4.07% | Beats 45% | 39 / 73 | |
| Efficiency Ratio | 130.72% | 56.91% | 70.77% | 78.74% | Beats 3% | 72 / 73 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.33% | 0.08% | 0.27% | 0.97% | Beats 19% | 58 / 70 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.05% | Beats 100% | 26 / 70 | |
| Capital |
| Tier 1 Capital Ratio | 25.56% | 11.44% | 14.23% | 20.15% | Beats 86% | 10 / 73 | |
| Total Risk-Based Capital Ratio | 25.56% | 12.24% | 14.44% | 20.45% | Beats 86% | 10 / 73 | |
| Equity / Assets | 25.57% | 8.75% | 10.85% | 13.32% | Beats 92% | 6 / 73 | |
| Liquidity & Funding |
| Loans / Deposits | 97.99% | 64.48% | 77.70% | 88.37% | 84th pctl | 11 / 70 | |
| Loans / Assets | 72.45% | 56.60% | 65.67% | 73.89% | 71st pctl | 21 / 73 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |