The Equitable Savings and Loan Company: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Net loans and leases to deposits dropped 1.10 percentage points in Q2 2026, from 98.30% to 97.20%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Equitable Savings and Loan Company is 25th of 156 on loan-to-deposit ratio, 97.99% as of Q2 2026, above the middle of the field. The median for banks in the < $100M asset tier is 67.92% on loan-to-deposit ratio. The Equitable Savings and Loan Company sits 30.06 points higher, at 97.99% (Q2 2026).
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $2.0M |
| Cash and noninterest-bearing balances to assets | — |
| Cash and securities | $2.2M |
| Fed funds sold and reverse repos | $0 |
| Fed funds sold and reverse repos to assets | 0.00% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $0 |
| Other borrowed money | $0 |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 0.00% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.99% |
| Net loans and leases to deposits | 97.20% |
| Loans and leases to core deposits | 97.99% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 93.27% | 93.10% | $0 | $1.0M |
| Q4 2023 | 95.42% | 93.02% | $0 | $500K |
| Q1 2024 | 95.20% | 96.28% | $0 | $500K |
| Q2 2024 | 98.97% | 96.11% | $0 | $0 |
| Q3 2024 | 97.96% | 96.21% | $0 | $0 |
| Q4 2024 | 98.33% | 96.13% | $0 | $0 |
| Q1 2025 | 98.27% | 95.72% | $0 | $0 |
| Q2 2025 | 99.57% | 95.59% | $0 | $0 |
| Q3 2025 | 100.61% | 95.46% | $0 | $0 |
| Q4 2025 | 102.47% | 100.00% | $0 | $0 |
| Q1 2026 | 99.07% | 100.00% | $0 | $0 |
| Q2 2026 | 97.99% | 100.00% | $0 | $0 |
The Equitable Savings and Loan Company liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock The Equitable Savings and Loan Company, freeSource: Call Report Schedules RC and RC-M, 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 Savings and Loan Company profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29966) · FFIEC NIC profile (RSSD 910079)