Equitable Savings and Loan Association
Sterling, CO · Cert 30707 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 operating in a single state (rank 185 of 743).
- Widest gap: return on equity trails 96% of banks under $1B in assets operating in a single state (rank 713 of 746).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
0.11%
Rank 706 of 746
Net Interest Margin
3.15%
Rank 566 of 746
Efficiency Ratio
93.63%
Rank 708 of 746
Equity / Assets
15.68%
Rank 83 of 746
Non-interest income vs. expense
Unfavorable gap of $5.0M · efficiency ratio beats 5% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.11% | 0.72% | 1.06% | 1.45% | Beats 5% | 706 / 746 | |
| Return on Equity | 0.68% | 6.74% | 10.51% | 13.63% | Beats 4% | 713 / 746 | |
| Net Interest Margin | 3.15% | 3.17% | 3.68% | 4.16% | Beats 24% | 566 / 746 | |
| Efficiency Ratio | 93.63% | 55.74% | 64.58% | 75.47% | Beats 5% | 708 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.22% | 0.09% | 0.42% | 1.07% | Beats 64% | 266 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 29.05% | 11.55% | 13.75% | 17.60% | Beats 94% | 43 / 746 | |
| Total Risk-Based Capital Ratio | 29.42% | 11.71% | 14.33% | 18.43% | Beats 94% | 45 / 746 | |
| Equity / Assets | 15.68% | 8.90% | 10.51% | 13.06% | Beats 89% | 83 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 109.46% | 61.31% | 78.27% | 90.78% | 96th pctl | 27 / 746 | |
| Loans / Assets | 83.36% | 53.60% | 66.97% | 76.08% | 92nd pctl | 58 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |