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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 $0.1MQ3 2024Q2 2026
Deposit mix
100%Interest-bearing $6.4M0%Noninterest $0.0MQ3 2024Q2 2026

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.

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

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%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.59%-0.24%0.64%10.65%10.84%10.14%1-3.08%-2.26%-291 bps
Return on Equity-2.50%-1.01%2.62%2.61%3.35%0.56%-12.02%-8.84%-1,145 bps
Net Interest Margin3.83%4.20%3.77%3.72%3.71%3.73%3.36%3.49%-23 bps
Efficiency Ratio114.96%105.28%111.96%119.21%120.00%120.87%128.95%130.72%+1,151 bps
Non-Interest Burden4.41%4.42%4.24%4.47%4.48%4.53%4.36%4.58%+12 bps
Growth
Asset Growth (YoY)-13.66%-9.63%-5.18%0.34%-3.58%-3.69%-6.46%-6.15%-649 bps
Loan Growth (YoY)-0.89%-3.43%3.07%0.62%-3.22%-1.10%-6.87%-7.99%-862 bps
Deposit Growth (YoY)-5.64%-6.29%-0.16%0.01%-5.76%-5.09%-7.62%-6.50%-652 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%1.47%0.19%0.20%0.47%0.50%1.33%+114 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans0.73%0.73%0.73%0.74%0.75%0.74%0.78%0.80%+6 bps
Allowance Coverage of NPLsn/an/a0.5x3.8x3.8x1.6x1.6x0.6x-3.2x
Capital
Tier 1 Leverage Ratio24.49%24.71%24.87%25.33%25.96%25.57%25.31%25.56%+23 bps
Total Risk-Based Capital24.49%24.71%24.87%25.33%25.96%25.57%25.31%25.56%+23 bps
Equity / Assets24.32%24.59%24.58%25.26%26.00%25.68%25.49%25.57%+31 bps
Liquidity & Funding
Loans / Deposits97.96%98.33%98.27%99.57%100.61%102.47%99.07%97.99%-159 bps
Liquid Assets / Assets18.51%18.80%17.70%16.22%17.93%15.87%14.77%15.07%-115 bps
CRE / Total Capitaln/an/an/an/a0.00%0.00%0.00%n/an/a