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Equitable Savings and Loan Association

Sterling, CO · Cert 30707 · Farmers Realty Co. the

SL · FDIC · 10 branches

Q2 2026

$168.3MAssets
$140.3MLoans
$128.2MDeposits
$26.4MEquity
Loan mix
99%RE $143.4M0%C&I $0.0M1%Consumer $0.8MQ3 2024Q2 2026
Deposit mix
92%Interest-bearing $117.8M8%Noninterest $10.4MQ3 2024Q2 2026

Market Position · Fort Collins-Loveland, CO · 2026 SOD (annual) · 0.1% share · #28 of 28 inst. · $0.0B of $10.4B

5.1% Logan
3.4% Morgan
7.5% Lincoln
3.2% Kit Carson

Executive Summary

  • Earnings: ROA of 0.11%, up 19 bps year over year; NIM at 3.15%.
  • Asset quality: problem loans at 0.22% of loans (+22 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 15.69%, down 67 bps from a year ago.
  • Funding: loans stand at 109.46% of deposits as of Q2 2026.

Return on Assets (YTD, annualized)

0.11%+19 bps YoY

Net Interest Margin (YTD, annualized)

3.15%-3 bps YoY

Efficiency Ratio (YTD, annualized)

93.63%-928 bps YoY

Tier 1 Leverage Ratio

15.69%-67 bps YoY

NIM

4.12%Q2 ’244.45%Q2 ’254.63%Q2 ’26+0%-1%

Non-interest income vs. expense

3.78%Q2 ’243.63%Q2 ’253.30%Q2 ’26-3%-11%

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.05%-0.03%-0.06%-0.08%0.02%0.06%0.14%0.11%+19 bps
Return on Equity-0.29%-0.16%-0.35%-0.50%0.15%0.37%0.94%0.68%+118 bps
Net Interest Margin3.04%3.05%3.17%3.18%3.15%3.08%3.17%3.15%-3 bps
Efficiency Ratio101.78%101.02%102.18%102.91%99.04%97.80%94.53%93.63%-928 bps
Non-Interest Burden3.10%3.09%3.25%3.28%3.12%3.00%2.98%2.92%-36 bps
Growth
Asset Growth (YoY)1.60%3.35%5.19%2.00%3.46%5.34%6.65%5.47%+347 bps
Loan Growth (YoY)2.72%3.59%1.04%0.54%-0.47%-1.65%-0.85%-4.29%-483 bps
Deposit Growth (YoY)-5.80%-3.66%-0.93%-1.49%1.63%3.93%5.65%4.14%+563 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.08%0.09%0.00%0.16%0.22%0.22%0.22%+22 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.02%0.01%0.01%0.00%0.00%-2 bps
Allowance / Loans0.24%0.24%0.24%0.23%0.23%0.23%0.24%0.24%+1 bps
Allowance Coverage of NPLsn/a2.9x2.9xn/a1.5x1.1x1.1x1.1xn/a
Capital
Tier 1 Leverage Ratio15.99%15.79%15.95%16.36%16.17%15.74%15.59%15.69%-67 bps
Total Risk-Based Capital29.86%28.72%29.20%29.78%29.73%28.96%29.72%29.42%-36 bps
Equity / Assets16.22%16.10%16.19%16.35%15.76%15.48%15.35%15.68%-67 bps
Liquidity & Funding
Loans / Deposits117.34%118.31%116.45%119.11%114.92%111.96%109.28%109.46%-964 bps
Liquid Assets / Assets1.22%0.43%2.10%0.13%1.96%2.89%4.24%4.18%+405 bps
CRE / Total Capitaln/an/an/an/a3.03%2.13%3.54%n/an/a