The Equitable Savings and Loan Company
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Data as of · sourced from FFIEC call reports. How we update
The Equitable Savings and Loan Company is an FDIC-insured commercial bank headquartered in Cadiz, OH, established in 1898 (FDIC certificate 29966), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $8.6M, down 6.1% from Q2 2025, the 154th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 25.56% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 29966
- Headquarters
- Cadiz, OH
- Established
- 1898
- Total assets, Q2 2026
- $8.6M
- Assets vs Q2 2025
- -6.1%
- Tier 1 leverage ratio, Q2 2026
- 25.56%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 241271944
- Latest call report
- Q2 2026, FFIEC 051 · The Equitable Savings and Loan Company call report
- Asset rank in state
- 154th of 154 in Ohio
Problem loans are rising at The Equitable Savings and Loan Company. Based in Cadiz, Ohio, it had $8.6 million in assets at June 30, 2026, down 6.1% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 1.33% of loans from 0.19% a year earlier. It loses about $1.44 a year on every $100 of assets, lower than about 9 in 10 of the 583 banks with less than $100 million in assets (median $1.06). It also spends about 132 cents to bring in each dollar of revenue, about double the median of 69 cents for banks its size.
It lost $31,000 in the quarter.
As of June 30, 2026, The Equitable Savings and Loan Company reported a return on assets of -1.44%, a nonperforming-loan ratio of 1.33% and a Texas ratio of 3.69%. The figures come from its call report filed with the FFIEC.
The Equitable Savings and Loan Company ranks as the smallest of the 154 banks based in Ohio, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 1.7% to $8.6M, loans fell 2.9% and deposits fell 1.9%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 97.1% of total loans, followed by other consumer loans at 1.7%. Its one office in the FDIC Summary of Deposits is in Cadiz, OH. By the capital ratios in its Q2 2026 call report, The Equitable Savings and Loan Company meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 114 S Main St, Cadiz, OH 43907
- County
- Harrison
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1898
- Former names
- The Equitable Savings and Loan Company (1898)
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 3
- Domestic deposits
- $6.4M
- Allowance for credit losses
- $50K
- Net charge-offs (YTD)
- $0
- Average total assets
- $8.6M
- Average total loans
- $6.3M
- Average interest-bearing deposits
- $6.3M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 29966
- Fed RSSD
- 910079
- Website
- www.equitablesavings.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Equitable Savings and Loan Company reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Equitable Savings and Loan Company's total assets ranged from $8.6M (Q2 2026) to $10.8M (Q3 2023), and it earned a profit in 5 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$8.6M total assets against $9.2M; $6.4M total liabilities against $6.8M.
$6.2M net loans and leases against $6.7M; $6.4M total deposits against $6.8M.
$156K securities against $186K; $2.0M cash and balances due against $2.0M.
$90K total interest income against $101K; $14K total interest expense against $18K.
$76K net interest income against $83K.
$1K total noninterest income against $2K; $102K total noninterest expense against $108K.
$0 provision for credit losses against $0.
-$31K net income against $15K.
-1.44% return on assets against 0.66%; 3.94% net interest margin against 3.96%.
25.56% tier 1 leverage ratio against 25.33%.
Inside the full The Equitable Savings and Loan Company terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -3.09% (Q1 2026) to 1.24% (Q3 2025) and its net interest margin ran from 3.70% (Q1 2026) to 5.68% (Q4 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 25.56% | -1.44% | 1.33% | 3.69% | 3.94% |
| Q1 2026 | 25.31% | -3.09% | 0.50% | 1.40% | 3.70% |
| Q4 2025 | 25.57% | -2.00% | 0.47% | 1.36% | 3.72% |
| Q3 2025 | 25.96% | 1.24% | 0.20% | 0.54% | 3.93% |
| Q2 2025 | 25.33% | 0.66% | 0.19% | 0.55% | 3.96% |
| Q1 2025 | 24.87% | 0.65% | 1.47% | 4.30% | 4.06% |
| Q4 2024 | 24.71% | 0.86% | 0.00% | 0.00% | 5.68% |
| Q3 2024 | 24.49% | -0.56% | 0.00% | 0.00% | 4.14% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Equitable Savings and Loan Company | Cadiz , OH | 43907 | $6.4M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 181 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about The Equitable Savings and Loan Company
What are The Equitable Savings and Loan Company's total assets?
As of the Q2 2026 filing, The Equitable Savings and Loan Company reported total assets of $8.6 million in its FFIEC call report.
Where is The Equitable Savings and Loan Company headquartered?
It is headquartered in Cadiz, OH, United States.
When was The Equitable Savings and Loan Company founded?
It was established in 1898, per the FDIC institution directory.
Is The Equitable Savings and Loan Company FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #29966). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Equitable Savings and Loan Company?
The Equitable Savings and Loan Company's primary federal regulator is the FDIC.
How many branches does The Equitable Savings and Loan Company operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Equitable Savings and Loan Company's Texas Ratio?
Its Texas Ratio is 3.69% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was The Equitable Savings and Loan Company previously called?
The charter now named The Equitable Savings and Loan Company has also operated as The Equitable Savings and Loan Company (1898), per FDIC structure-change records.
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