Bank Comparison
Equitable Savings and Loan Company, the vs BMO Harris Central N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
5 · 10
winning metrics across 15 comparable rows
Capital adequacy
| Metric | Equitable Savings and Loan Company, the | BMO Harris Central N.A. |
|---|---|---|
| CET1 Ratio | — | — |
| Tier 1 Capital Ratio | — | — |
| Total Capital Ratio | — | — |
| Tier 1 Leverage Ratio | 25.31% | 87.40% |
| Equity / Assets | 25.49% | 87.35% |
Profitability
| Metric | Equitable Savings and Loan Company, the | BMO Harris Central N.A. |
|---|---|---|
| Return on Assets (ROA) | -3.09% | 0.58% |
| Return on Equity (ROE) | -12.02% | 0.67% |
| Net Interest Margin (NIM) | 3.70% | 4.52% |
| Yield on Earning Assets | 4.55% | 4.52% |
| Cost of Funds | 1.04% | 0.00% |
Asset quality
| Metric | Equitable Savings and Loan Company, the | BMO Harris Central N.A. |
|---|---|---|
| Texas Ratio | 1.40% | 0.00% |
| Non-Performing Loan Ratio | 0.20% | — |
| Non-Performing Asset Ratio | 0.15% | 0.00% |
| Net Charge-Off Ratio | 0.00% | — |
| ACL / Loans | 0.78% | — |
Balance sheet
| Metric | Equitable Savings and Loan Company, the | BMO Harris Central N.A. |
|---|---|---|
| Total Assets | $8,746K | $8,213K |
| Total Deposits | $6,475K | $1,000K |
| Total Loans | $6,415K | $0 |
| Total Equity | $2,229K | $7,174K |
| Net Income (quarter) | $-68 | $12 |
Liquidity & funding
| Metric | Equitable Savings and Loan Company, the | BMO Harris Central N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 99.07% | 0.00% |
| Core Deposit Ratio | 100.00% | 100.00% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Equitable Savings and Loan Company, the | BMO Harris Central N.A. |
|---|---|---|
| Headquarters City | CADIZ | ROSELLE |
| Headquarters State | OH | IL |
| Asset Tier | Micro | Micro |
| Charter Class | 0 | 24536 |
| Regulator | FDIC | OCC |
| Domestic Branches | 1 | 1 |
| Employees (FTE) | 3 | 0 |
| Established | Jan. 1, 1898, midnight | May 28, 2005, 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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