Equitable Savings and Loan Association: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) fell 0.55 percentage points from Q1 2026 to Q2 2026, ending at 2.94% against 3.50%. It was the largest change among the key lines on this page. Among 63 Colorado banks, Equitable Savings and Loan Association sits 2nd from the top on loan-to-deposit ratio, 109.46% as of Q2 2026. Equitable Savings and Loan Association reported 109.46% on loan-to-deposit ratio for Q2 2026, 28.63 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $140.3M |
| Net loans and leases | $140.0M |
| Loans held for sale | $0 |
| Loans to total assets | 83.36% |
| Loan-to-deposit ratio | 109.46% |
| Net loans to equity capital | 5.30% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 0.00% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 0.00% |
| Consumer | 0.53% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 2.94% |
| Construction concentration (Tier 1 capital + allowance) | 2.94% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 4.89% |
| Interest income on loans | $1.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $141.6M | $131.6M | 0.00% | 0.00% | 0.73% |
| Q4 2023 | $142.7M | $129.7M | 0.00% | 0.00% | 0.69% |
| Q1 2024 | $143.6M | $125.8M | 0.00% | 0.00% | 0.94% |
| Q2 2024 | $145.8M | $125.0M | 0.00% | 0.00% | 0.95% |
| Q3 2024 | $145.4M | $123.9M | 0.00% | 0.00% | 0.80% |
| Q4 2024 | $147.9M | $125.0M | 0.00% | 0.00% | 0.71% |
| Q1 2025 | $145.1M | $124.6M | 0.00% | 0.00% | 0.75% |
| Q2 2025 | $146.6M | $123.1M | 0.00% | 0.00% | 0.73% |
| Q3 2025 | $144.7M | $126.0M | 0.00% | 0.00% | 0.70% |
| Q4 2025 | $145.4M | $129.9M | 0.00% | 0.00% | 0.61% |
| Q1 2026 | $143.9M | $131.6M | 0.00% | 0.00% | 0.53% |
| Q2 2026 | $140.3M | $128.2M | 0.00% | 0.00% | 0.53% |
Equitable Savings and Loan Association loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Equitable Savings and Loan Association, freeSource: Call Report Schedule RC-C, 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 Equitable Savings and Loan Association profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 30707) · FFIEC NIC profile (RSSD 206473)