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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

4.56%Q2 ’244.42%Q2 ’254.19%Q2 ’26-1%-3%

Non-interest income vs. expense

4.64%Q2 ’244.73%Q2 ’254.75%Q2 ’26+2%+1%

Executive Summary

  • Earnings: ROA of -1.43%, down 208 bps year over year; NIM at 3.54%.
  • 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 (quarter, annualized)

-1.43%-208 bps YoY

Net Interest Margin (quarter, annualized)

3.54%-10 bps YoY

Efficiency Ratio (quarter, annualized)

132.47%+541 bps YoY

Tier 1 Leverage Ratio

25.56%+23 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.65%11.23%1-2.01%-3.08%-1.43%-208 bps
Return on Equity2.60%4.81%-7.76%-12.02%-5.60%-821 bps
Net Interest Margin3.64%3.59%3.74%3.36%3.54%-10 bps
Efficiency Ratio127.06%121.69%123.53%128.95%132.47%+541 bps
Non-Interest Burden4.64%4.39%4.63%4.36%4.70%+6 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