$8.75M
−6.5%y/y
Percentile by value2nd percentileby value
FDIC
ASSETES
The Equitable Savings and Loan Company
Cadiz, OhioFDIC Cert #29966
STATEEstablished 18981 branch
Holding company: Not reportedRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportThe Equitable Savings and Loan Company reported $8.75M in total assets. Deposits declined 7.62% over the prior year.
Return on assets was −3.08%, compared with an asset-peer median of 0.97%. The leverage ratio was 25.31%.
- Why is Total Assets below asset peers?
- Why is Return on Assets below asset peers?
- Why is Net Loan Growth, Year over Year below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$6.48M
−7.6%y/y
Percentile by value10th percentileby value
FDIC
DEP$6.37M
−6.9%y/y
Percentile by value14th percentileby value
FDIC
LNLSNET−3.08%
−372 bpsy/y
Peer standing4th percentile
FDIC
NETINC + ROA128.95%
+1,699 bpsy/y
Peer standing6th percentile
FDIC
NONIX + NIM + NONII + EEFFR25.31%
+44 bpsy/y
Peer standing85th percentile
FDIC
RBC1AAJPercentiles compare this bank with 590 banks under $100 million.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $12.3M | $7.35M |
| Q3 2021 | $12.6M | $7.7M |
| Q4 2021 | $12.7M | $7.82M |
| Q1 2022 | $11.9M | $8.09M |
| Q2 2022 | $11.4M | $8.14M |
| Q3 2022 | $11.4M | $8.09M |
| Q4 2022 | $11.2M | $7.89M |
| Q1 2023 | $11.2M | $7.9M |
| Q2 2023 | $11.1M | $7.71M |
| Q3 2023 | $10.8M | $7.43M |
| Q4 2023 | $10.3M | $7.42M |
| Q1 2024 | $9.86M | $7.02M |
| Q2 2024 | $9.13M | $6.8M |
| Q3 2024 | $9.34M | $7.01M |
| Q4 2024 | $9.28M | $6.96M |
| Q1 2025 | $9.35M | $7.01M |
| Q2 2025 | $9.16M | $6.8M |
| Q3 2025 | $9M | $6.61M |
| Q4 2025 | $8.94M | $6.6M |
| Q1 2026 | $8.75M | $6.48M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $0 |
| Investor CRE | $0 |
| Multifamily | $0 |
| Construction | $0 |
| 1–4 family | $6.2M |
| C&I | $0 |
| Agriculture | $78K |
| Other | $141K |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−3.08%4th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.66%Median 0.97%90th 2.53%Observations 590
ROE
FDIC
NETINC + ROE−12.02%5th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −4.01%Median 7.76%90th 17.70%Observations 590
NIM
FDIC
NIM + NIMY3.70%45th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.60%Median 3.78%90th 5.00%Observations 591
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR128.95%6th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 50.30%Median 71.56%90th 113.91%Observations 590
Deposits YoY
FDIC
DEP−7.62%7th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −6.03%Median +2.56%90th +13.29%Observations 547
Loans YoY
FDIC
LNLSNET−6.90%13th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −8.25%Median +2.70%90th +19.03%Observations 527
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.50%47th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.41%90th 3.46%Observations 530
Leverage
FDIC
RBC1AAJ25.31%85th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.02%Median 13.02%90th 57.11%Observations 591
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.05%91st percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.09%Median 2.13%90th 3.32%Observations 546
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 25%90th 129%Observations 281
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−3.08%1st percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.16%Median 0.93%90th 1.86%Observations 161
ROE
FDIC
NETINC + ROE−12.02%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.91%Median 9.24%90th 17.50%Observations 161
NIM
FDIC
NIM + NIMY3.70%56th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.58%Median 3.60%90th 4.63%Observations 161
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR128.95%2nd percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 51.01%Median 69.09%90th 94.07%Observations 161
Deposits YoY
FDIC
DEP−7.62%1st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.14%Median +3.26%90th +14.21%Observations 157
Loans YoY
FDIC
LNLSNET−6.90%5th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.48%Median +5.21%90th +17.27%Observations 155
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.50%42nd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.37%90th 1.65%Observations 155
Leverage
FDIC
RBC1AAJ25.31%94th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.63%Median 10.81%90th 18.96%Observations 161
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.05%96th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.30%Median 2.23%90th 3.58%Observations 157
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 12%Median 102%90th 239%Observations 91
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA−3.08%4th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th −0.48%Median 0.68%90th 14.83%Observations 27
ROE
FDIC
NETINC + ROE−12.02%0th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th −3.14%Median 4.99%90th 15.94%Observations 27
NIM
FDIC
NIM + NIMY3.70%62nd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.29%Median 3.65%90th 4.28%Observations 27
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR128.95%8th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 55.21%Median 82.70%90th 125.82%Observations 27
Deposits YoY
FDIC
DEP−7.62%4th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −7.43%Median +1.05%90th +5.74%Observations 24
Loans YoY
FDIC
LNLSNET−6.90%14th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −7.92%Median +2.12%90th +9.48%Observations 23
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.50%23rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.22%90th 1.67%Observations 23
Leverage
FDIC
RBC1AAJ25.31%81st percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 10.54%Median 15.10%90th 92.12%Observations 27
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM1.05%83rd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 0.90%Median 1.82%90th 2.85%Observations 24
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 0%Median 12%90th 41%Observations 10
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 1 branch
- Headquarters
- Cadiz, OH
FDIC
OFFDOMOpen the Ohio dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data