BlastPoint's Banking Scorecard

The Equitable Bank, S.S.B.

$100M-$1B Specialty: Commercial WI FDIC cert 28614

Wauwatosa, WI

6 branches across WI

2664 banks in the $100M-$1B peer group nationally 113 in WI

The Equitable Bank, S.S.B. has 1 strength but faces 5 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Delinquency Rate 0.78% below tier average

Key Concerns

Areas that may need attention

- Capital Thin: Bottom 17.7% in tier
- Liquidity Strain: Bottom 29.5% in tier
- Efficiency Ratio 39.18% above tier average
- ROA 0.82% below tier average
- Net Interest Margin 0.91% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (WI)	National Avg	Tier Percentile
Total Assets ?	$326.9M +3.0% YoY -1.5% QoQ	-$59.2M	$386.1M +0.5% YoY	$1.1B +10.1% YoY	$6.2B +9.1% YoY	51%
Total Loans ?	$285.0M +3.3% YoY -1.0% QoQ	+$29.3M	$255.7M +1.1% YoY	$816.7M +9.9% YoY	$3.2B +10.8% YoY	65%
Total Deposits ?	$296.1M +5.1% YoY +3.3% QoQ	-$31.9M	$328.0M +0.1% YoY	$905.4M +9.0% YoY	$4.8B +8.2% YoY	54%
Return on Assets ?	0.45% +159.5% YoY +424.3% QoQ	-0.82%	1.27% +12.9% YoY	1.50% +15.4% YoY	1.23% +13.4% YoY	Bottom 11.9% in tier
Net Interest Margin ?	3.02% +19.2% YoY +4.7% QoQ	-0.91%	3.93% +6.0% YoY	3.77% +9.2% YoY	3.89% +5.7% YoY	Bottom 12.2% in tier
Efficiency Ratio ?	104.47% -17.0% YoY +0.3% QoQ	+39.18%	65.29% -4.5% YoY	64.74% -4.5% YoY	66.95% -4.1% YoY	Bottom 1.9% in tier
Delinquency Rate ?	0.10% -59.2% YoY +18.0% QoQ	-0.78%	0.89% +18.8% YoY	0.87% +31.3% YoY	0.95% +18.8% YoY	74%
Loan-to-Deposit Ratio ?	96.27% -1.7% YoY -4.2% QoQ	+19.63%	76.64% +0.8% YoY	86.53% +1.6% YoY	76.70% +0.9% YoY	Bottom 13.5% in tier
Non-Interest-Bearing Deposit Share ?	11.28% +4.5% YoY +0.5% QoQ	-10.74%	22.02% -1.0% YoY	18.27% -0.8% YoY	22.01% -1.2% YoY	Bottom 13.4% in tier
Nonperforming Asset Ratio ?	0.09% -59.0% YoY +18.6% QoQ	-0.55%	0.64% +19.7% YoY	0.63% +35.0% YoY	0.67% +19.3% YoY	72%
Tier 1 Capital Ratio ?	9.51% -1.8% YoY +1.6% QoQ	-6.32%	15.83% +1.5% YoY	14.74% +0.5% YoY	17.06% +0.8% YoY	Bottom 4.5% in tier
Non-Interest Income / Assets ?	0.17% +40.4% YoY -73.9% QoQ	-0.11%	0.28% +9.3% YoY	1.15% +12.5% YoY	0.32% +4.1% YoY	80%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Capital Thin

risk

#119 of 666 • Bottom 17.7% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 9.51%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#191 of 643 • Bottom 29.5% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 96.27%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (1 metrics)

525

Non-Interest Income / Assets

revenue_mix

Value: 0.17%

Peer Median: 0.28%

#525 of 2664 Top 19.7% in $100M-$1B

Top Weaknesses (6 metrics)

2614

Efficiency Ratio

profitability

Value: 104.47%

Peer Median: 65.29%

#2614 of 2664 Bottom 1.9% in $100M-$1B

2546

Tier 1 Capital Ratio

capital

Value: 9.51%

Peer Median: 15.83%

#2546 of 2664 Bottom 4.5% in $100M-$1B

2347

Return on Assets

profitability

Value: 0.45%

Peer Median: 1.27%

#2347 of 2664 Bottom 11.9% in $100M-$1B

2339

Net Interest Margin

profitability

Value: 3.02%

Peer Median: 3.93%

#2339 of 2664 Bottom 12.2% in $100M-$1B

2309

Non-Interest-Bearing Deposit Share

funding

Value: 11.28%

Peer Median: 22.02%

#2309 of 2664 Bottom 13.4% in $100M-$1B

2306

Loan-to-Deposit Ratio

liquidity

Value: 96.27%

Peer Median: 76.64%

#2306 of 2664 Bottom 13.5% in $100M-$1B