Equitable Savings and Loan Association: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Equitable Savings and Loan Association of Sterling, CO against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 0.07% | 1.34% | -1.27% | 5th bottom |
| ROAE | 0.42% | 13.32% | -12.90% | 5th bottom |
| Net Interest Margin | 3.20% | 3.93% | -0.73% | 16th bottom |
| Efficiency Ratio | 92.72% | 61.13% | +31.59% | 5th bottom |
| PPNR / Avg Assets | 0.26% | 1.68% | -1.42% | 5th bottom |
| Yield on Earning Assets | 4.77% | 5.67% | -0.90% | 16th bottom |
| Cost of Funds Ahead of the peer average, behind the median peer. | 1.84% | 1.88% | -0.04% | 47th below |
| Net Interest Spread | 2.81% | 3.32% | -0.51% | 25th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.22% | 0.94% | -0.72% | 62nd above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.33% | 0.70% | -0.37% | 49th below |
| NCO / Avg Loans | 0.00% | 0.16% | -0.16% | 62nd above |
| ACL / Total Loans | 0.24% | 1.28% | -1.04% | 1st bottom |
| ACL / NPLs (Coverage) | 107.62% | 1538.93% | -1431.31% | 30th below |
| Texas Ratio | 2.05% | 7.33% | -5.28% | 62nd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 29.05% | 19.50% | +9.55% | 92nd top |
| Tier 1 Ratio | 29.05% | 19.53% | +9.52% | 92nd top |
| Total Capital Ratio | 29.42% | 20.62% | +8.80% | 91st top |
| Leverage Ratio | 15.69% | 12.14% | +3.55% | 89th top |
| Equity / Assets | 15.68% | 11.37% | +4.31% | 90th top |
| TCE / Tangible Assets | 15.68% | 11.09% | +4.59% | 91st top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 109.46% | 80.63% | +28.83% | 4th bottom |
| Core Deposit Ratio | 86.72% | 86.86% | -0.14% | 37th below |
| Wholesale Funding Ratio | 7.85% | 5.03% | +2.82% | 22nd bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.47% | 6.85% | -1.38% | 58th above |
| Loan Growth (Y/Y) | -4.29% | 7.90% | -12.19% | 9th bottom |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.14% | 6.29% | -2.15% | 51st above |
See Equitable Savings and Loan Association's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Equitable Savings and Loan Association, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Equitable Savings and Loan Association profile, how to read a UBPR, or how this data updates.