The Equitable Savings and Loan Company: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Equitable Savings and Loan Company of Cadiz, OH against its peer group of 536 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 | -1.44% | 3.14% | -4.58% | 6th bottom |
| ROAE | -5.60% | 10.42% | -16.02% | 8th bottom |
| Net Interest Margin | 3.94% | 3.93% | +0.01% | 54th above |
| Efficiency Ratio | 132.47% | 76.29% | +56.18% | 6th bottom |
| PPNR / Avg Assets | -1.16% | 1.40% | -2.56% | 5th bottom |
| Yield on Earning Assets | 4.67% | 5.35% | -0.68% | 28th below |
| Cost of Funds | 0.89% | 1.70% | -0.81% | 84th top |
| Net Interest Spread | 3.80% | 3.31% | +0.49% | 70th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.21% | 1.34% | -1.13% | 53rd above |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.15% | 0.71% | -0.56% | 48th below |
| NCO / Avg Loans | 0.00% | 0.11% | -0.11% | 53rd above |
| ACL / Total Loans | 0.80% | 1.49% | -0.69% | 15th bottom |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 384.62% | 864.31% | -479.69% | 74th above |
| Texas Ratio Ahead of the peer average, behind the median peer. | 3.69% | 8.25% | -4.56% | 42nd below |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 25.56% | 17.60% | +7.96% | 85th top |
| Equity / Assets | 25.57% | 16.42% | +9.15% | 86th top |
| TCE / Tangible Assets | 25.57% | 16.17% | +9.40% | 86th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 97.99% | 72.82% | +25.17% | 12th bottom |
| Core Deposit Ratio | 100.00% | 88.21% | +11.79% | 97th top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -6.15% | 4.31% | -10.46% | 10th bottom |
| Loan Growth (Y/Y) | -7.99% | 6.73% | -14.72% | 12th bottom |
| Deposit Growth (Y/Y) | -6.50% | 3.77% | -10.27% | 10th bottom |
See The Equitable Savings and Loan Company's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Equitable Savings and Loan Company, 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 The Equitable Savings and Loan Company profile, how to read a UBPR, or how this data updates.