Equitable Savings and Loan Association: 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 largest change between Q1 2026 and Q2 2026 was in Non-performing loans to loans, which rose 0.22 percentage points to 0.22%. Equitable Savings and Loan Association has the 4th lowest return on assets of the 63 banks headquartered in Colorado, at 0.07% as of Q2 2026. Equitable Savings and Loan Association's return on assets of 0.07% is well below the 1.25% median for banks in the $100M-1B asset tier, a gap of 1.18 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 29.05% |
| Tier 1 risk-based capital ratio | 29.05% |
| Total risk-based capital ratio | 29.42% |
| Tier 1 leverage ratio | 15.69% |
| Equity capital to assets | 15.68% |
| Tangible equity to tangible assets | 15.68% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.22% |
| Non-performing assets ratio | 0.33% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 2.05% |
| Allowance for credit losses to loans | 0.24% |
| Reserve coverage of non-performing loans | 107.62% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.07% |
| Return on equity | 0.42% |
| Net interest margin | 3.20% |
| Efficiency ratio | 92.72% |
| Yield on earning assets | 4.77% |
| Cost of funds | 1.84% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 109.46% |
| Core deposits to total deposits | 86.72% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 76.15% |
| Securities to assets | 5.14% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 29.98% | 29.98% | 30.39% | 16.31% | 0.30% |
| Q4 2023 | 28.06% | 28.06% | 28.45% | 16.41% | 0.06% |
| Q1 2024 | 30.24% | 30.24% | 30.66% | 16.69% | -0.22% |
| Q2 2024 | 29.01% | 29.01% | 29.41% | 16.68% | -0.07% |
| Q3 2024 | 29.45% | 29.45% | 29.86% | 15.99% | 0.14% |
| Q4 2024 | 28.32% | 28.32% | 28.72% | 15.79% | 0.03% |
| Q1 2025 | 28.80% | 28.80% | 29.20% | 15.95% | -0.06% |
| Q2 2025 | 29.40% | 29.40% | 29.78% | 16.36% | -0.10% |
| Q3 2025 | 29.36% | 29.36% | 29.73% | 16.17% | 0.23% |
| Q4 2025 | 28.60% | 28.60% | 28.96% | 15.74% | 0.16% |
| Q1 2026 | 29.34% | 29.34% | 29.72% | 15.59% | 0.15% |
| Q2 2026 | 29.05% | 29.05% | 29.42% | 15.69% | 0.07% |
Equitable Savings and Loan Association vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Equitable Savings and Loan Association, 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 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)