Bank Comparison
Equitable Savings and Loan Association vs Bank of Estes Park
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
11 · 8
winning metrics across 19 comparable rows
Capital adequacy
| Metric | Equitable Savings and Loan Association | Bank of Estes Park |
|---|---|---|
| CET1 Ratio | 29.34% | — |
| Tier 1 Capital Ratio | 29.34% | — |
| Total Capital Ratio | 29.72% | — |
| Tier 1 Leverage Ratio | 15.59% | 10.78% |
| Equity / Assets | 15.35% | 9.62% |
Profitability
| Metric | Equitable Savings and Loan Association | Bank of Estes Park |
|---|---|---|
| Return on Assets (ROA) | 0.15% | -0.20% |
| Return on Equity (ROE) | 0.94% | -2.03% |
| Net Interest Margin (NIM) | 3.27% | 4.40% |
| Yield on Earning Assets | 4.75% | 5.36% |
| Cost of Funds | 1.70% | 1.02% |
Asset quality
| Metric | Equitable Savings and Loan Association | Bank of Estes Park |
|---|---|---|
| Texas Ratio | 2.05% | 0.00% |
| Non-Performing Loan Ratio | 0.00% | 0.00% |
| Non-Performing Asset Ratio | 0.14% | 0.00% |
| Net Charge-Off Ratio | 0.00% | 2.45% |
| ACL / Loans | 0.24% | 1.71% |
Balance sheet
| Metric | Equitable Savings and Loan Association | Bank of Estes Park |
|---|---|---|
| Total Assets | $171,960K | $157,526K |
| Total Deposits | $131,643K | $141,353K |
| Total Loans | $143,863K | $94,890K |
| Total Equity | $26,399K | $15,160K |
| Net Income (quarter) | $62 | $-78 |
Liquidity & funding
| Metric | Equitable Savings and Loan Association | Bank of Estes Park |
|---|---|---|
| Loan-to-Deposit Ratio | 109.28% | 67.13% |
| Core Deposit Ratio | 86.89% | 90.84% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Equitable Savings and Loan Association | Bank of Estes Park |
|---|---|---|
| Headquarters City | STERLING | ESTES PARK |
| Headquarters State | CO | CO |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 10 | 3 |
| Employees (FTE) | 48 | 26 |
| Established | Jan. 1, 1921, midnight | Jan. 18, 1965, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
View full Equitable Savings and Loan Association profile | View full Bank of Estes Park profile | Browse all bank comparisons