Bank Comparison
Equitable Savings and Loan Association vs Woodland Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 7
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Equitable Savings and Loan Association | Woodland Bank |
|---|---|---|
| CET1 Ratio | 29.34% | 10.75% |
| Tier 1 Capital Ratio | 29.34% | 10.75% |
| Total Capital Ratio | 29.72% | 11.70% |
| Tier 1 Leverage Ratio | 15.59% | 8.51% |
| Equity / Assets | 15.35% | 8.11% |
Profitability
| Metric | Equitable Savings and Loan Association | Woodland Bank |
|---|---|---|
| Return on Assets (ROA) | 0.15% | 0.82% |
| Return on Equity (ROE) | 0.94% | 9.93% |
| Net Interest Margin (NIM) | 3.27% | 4.68% |
| Yield on Earning Assets | 4.75% | 6.41% |
| Cost of Funds | 1.70% | 1.74% |
Asset quality
| Metric | Equitable Savings and Loan Association | Woodland Bank |
|---|---|---|
| Texas Ratio | 2.05% | 9.62% |
| Non-Performing Loan Ratio | 0.00% | 0.97% |
| Non-Performing Asset Ratio | 0.14% | 0.74% |
| Net Charge-Off Ratio | 0.00% | 0.03% |
| ACL / Loans | 0.24% | 0.91% |
Balance sheet
| Metric | Equitable Savings and Loan Association | Woodland Bank |
|---|---|---|
| Total Assets | $171,960K | $171,888K |
| Total Deposits | $131,643K | $148,005K |
| Total Loans | $143,863K | $131,842K |
| Total Equity | $26,399K | $13,947K |
| Net Income (quarter) | $62 | $350 |
Liquidity & funding
| Metric | Equitable Savings and Loan Association | Woodland Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 109.28% | 89.08% |
| Core Deposit Ratio | 86.89% | 83.40% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Equitable Savings and Loan Association | Woodland Bank |
|---|---|---|
| Headquarters City | STERLING | DEER RIVER |
| Headquarters State | CO | MN |
| Asset Tier | Small | Small |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 10 | 4 |
| Employees (FTE) | 48 | 32 |
| Established | Jan. 1, 1921, midnight | Jan. 1, 1920, 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.
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