The Equitable Bank, S.S.B.: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Deposits to assets: 2.21 percentage points lower than in Q1 2026, at 88.37%. The Equitable Bank, S.S.B. has the 6th lowest return on assets of the 153 banks headquartered in Wisconsin, at 0.17% as of Q2 2026. The Equitable Bank, S.S.B.'s return on assets of 0.17% is well below the 1.26% median for banks in the $100M-1B asset tier, a gap of 1.09 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.70% |
| Equity capital to assets | 9.36% |
| Tangible equity to tangible assets | 9.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.05% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.43% |
| Allowance for credit losses to loans | 0.74% |
| Reserve coverage of non-performing loans | 1507.14% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.17% |
| Return on equity | 1.84% |
| Net interest margin | 3.21% |
| Efficiency ratio | 95.72% |
| Yield on earning assets | 4.88% |
| Cost of funds | 1.78% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 98.93% |
| Core deposits to total deposits | 89.94% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.37% |
| Securities to assets | 6.92% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.89% | -0.25% | 2.67% | 0.10% | 0.00% |
| Q4 2023 | 9.70% | -0.57% | 2.40% | 0.07% | 0.00% |
| Q1 2024 | 9.70% | -0.84% | 2.22% | 0.15% | 0.00% |
| Q2 2024 | 9.65% | -0.63% | 2.27% | 0.06% | 0.00% |
| Q3 2024 | 9.56% | -0.32% | 2.34% | 0.11% | 0.00% |
| Q4 2024 | 9.56% | -0.34% | 2.51% | 0.16% | 0.00% |
| Q1 2025 | 9.68% | -0.75% | 2.49% | 0.25% | 0.00% |
| Q2 2025 | 9.67% | -0.15% | 2.86% | 0.14% | 0.08% |
| Q3 2025 | 9.49% | 0.02% | 2.88% | 0.33% | 0.00% |
| Q4 2025 | 9.36% | 0.31% | 3.06% | 0.09% | 0.00% |
| Q1 2026 | 9.51% | 0.44% | 2.95% | 0.10% | 0.00% |
| Q2 2026 | 9.70% | 0.17% | 3.21% | 0.05% | 0.00% |
The Equitable Bank, S.S.B. vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Equitable Bank, S.S.B., freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Equitable Bank, S.S.B. profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 28614) · FFIEC NIC profile (RSSD 336576)