Equitable Savings and Loan Association
Sterling, CO · Cert 30707 · Peer group: banks under $1B in assets (n=570-617) · Farmers Realty Co. the
SL · FDIC · 10 branches
Q2 2026
$168.3MAssets
$140.3MLoans
$128.2MDeposits
$26.4MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets (rank 160 of 570).
- Widest gap: return on equity trails 91% of banks under $1B in assets (rank 560 of 617).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.11%
Rank 559 of 617
Net Interest Margin
3.15%
Rank 433 of 617
Efficiency Ratio
93.63%
Rank 556 of 617
Equity / Assets
15.68%
Rank 118 of 617
Non-interest income vs. expense
Unfavorable gap of $5.0M · efficiency ratio beats 10% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.11% | 0.60% | 1.01% | 1.45% | Beats 9% | 559 / 617 | |
| Return on Equity | 0.68% | 5.30% | 9.43% | 13.30% | Beats 9% | 560 / 617 | |
| Net Interest Margin | 3.15% | 3.04% | 3.54% | 4.05% | Beats 30% | 433 / 617 | |
| Efficiency Ratio | 93.63% | 58.03% | 67.76% | 79.08% | Beats 10% | 556 / 617 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.09% | 0.47% | 1.27% | Beats 64% | 205 / 570 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.01% | 0.06% | Beats 100% | 160 / 570 | |
| Capital |
| Tier 1 Capital Ratio | 29.05% | 11.18% | 13.83% | 18.55% | Beats 88% | 77 / 617 | |
| Total Risk-Based Capital Ratio | 29.42% | 11.56% | 14.39% | 19.39% | Beats 88% | 77 / 617 | |
| Equity / Assets | 15.68% | 9.03% | 10.55% | 13.63% | Beats 81% | 118 / 617 | |
| Liquidity & Funding |
| Loans / Deposits | 109.46% | 64.77% | 79.70% | 93.06% | 96th pctl | 26 / 582 | |
| Loans / Assets | 83.36% | 51.70% | 67.18% | 77.51% | 89th pctl | 68 / 617 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |