The Equitable Savings and Loan Company: 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 standout move of Q2 2026 was in Return on assets: 1.65 percentage points higher than in Q1 2026, at -1.44%. On return on assets, The Equitable Savings and Loan Company is 3rd from the bottom among 156 Ohio banks, -1.44% (Q2 2026). The Equitable Savings and Loan Company's return on assets of -1.44% is well below the 0.98% median for banks in the < $100M asset tier, a gap of 2.43 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 25.56% |
| Equity capital to assets | 25.57% |
| Tangible equity to tangible assets | 25.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.21% |
| Non-performing assets ratio | 0.15% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 3.69% |
| Allowance for credit losses to loans | 0.80% |
| Reserve coverage of non-performing loans | 384.62% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | -1.44% |
| Return on equity | -5.60% |
| Net interest margin | 3.94% |
| Efficiency ratio | 132.47% |
| Yield on earning assets | 4.67% |
| Cost of funds | 0.89% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 97.99% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 73.94% |
| Securities to assets | 1.82% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 21.06% | 0.58% | 5.02% | 0.00% | 0.29% |
| Q4 2023 | 21.81% | -1.10% | 2.05% | 0.00% | 0.00% |
| Q1 2024 | 23.09% | -0.36% | 3.91% | 0.00% | 0.00% |
| Q2 2024 | 24.29% | -0.89% | 3.88% | 0.00% | 0.00% |
| Q3 2024 | 24.49% | -0.56% | 4.14% | 0.00% | 0.00% |
| Q4 2024 | 24.71% | 0.86% | 5.68% | 0.00% | 0.00% |
| Q1 2025 | 24.87% | 0.65% | 4.06% | 0.00% | 0.00% |
| Q2 2025 | 25.33% | 0.66% | 3.96% | 0.19% | 0.00% |
| Q3 2025 | 25.96% | 1.24% | 3.93% | 0.20% | 0.00% |
| Q4 2025 | 25.57% | -2.00% | 3.72% | 0.19% | 0.00% |
| Q1 2026 | 25.31% | -3.09% | 3.70% | 0.20% | 0.00% |
| Q2 2026 | 25.56% | -1.44% | 3.94% | 0.21% | 0.00% |
The Equitable Savings and Loan Company vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Equitable Savings and Loan Company, 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 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)