BlastPoint

BlastPoint's Banking Scorecard

The Equitable Bank, S.S.B.

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

Wauwatosa, WI

6 branches across WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
  • Deposits -0.8% year over year ($289.1M on the books).
  • Delinquency rate 0.05%.
  • Return on assets 0.31%.
  • Efficiency ratio 99.90% vs a 64.48% peer average.
  • Loan-to-deposit ratio 98.20% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI
View $100M-$1B leaderboard (WI) →

The Equitable Bank, S.S.B. has 1 strength but faces 6 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 0.87% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 6.4% in tier
  • - Capital Thin: Bottom 10.6% in tier
  • - Liquidity Strain: Bottom 25.3% in tier
  • - Return on Assets 1.01% below tier average
  • - Efficiency Ratio 35.42% above tier average
  • - Net Interest Margin 0.86% below tier average
Get updates when The Equitable Bank, S.S.B. releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $327.1M
+0.7% YoY +0.1% QoQ
-$59.4M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
50%
Total Loans ? $283.9M
+0.8% YoY -0.4% QoQ
+$25.5M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
64%
Total Deposits ? $289.1M
-0.8% YoY -2.4% QoQ
-$37.6M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
53%
Return on Assets ? 0.31%
+168.5% YoY -31.3% QoQ
-1.01% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
Bottom 7.6% in tier
Net Interest Margin ? 3.13%
+15.0% YoY +3.5% QoQ
-0.86% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
Bottom 13.6% in tier
Efficiency Ratio ? 99.90%
-12.5% YoY -4.4% QoQ
+35.42% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
Bottom 2.3% in tier
Delinquency Rate ? 0.05%
-65.8% YoY -51.9% QoQ
-0.87% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
79%
Loan-to-Deposit Ratio ? 98.20%
+1.7% YoY +2.0% QoQ
+20.25% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
Bottom 12.2% in tier
Non-Interest-Bearing Deposit Share ? 13.77%
+11.4% YoY +22.0% QoQ
-8.26% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
20%
Nonperforming Asset Ratio ? 0.04%
-73.4% YoY -52.1% QoQ
-0.63% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
80%
Tier 1 Capital Ratio ? 9.70%
+0.3% YoY +2.0% QoQ
-6.21% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
Bottom 7.1% in tier
Non-Interest Income / Assets ? 0.39%
+35.6% YoY +121.7% QoQ
-0.18% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
84%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Noninterest-Bearing 13.8%
+1.4pp YoY
+2.5pp QoQ
 -8.4pp 22.1% 18.9% 22.2% 20%
Brokered Deposits n/a n/a 7.9% 9.2% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 1.0%
-0.3pp YoY
-0.2pp QoQ
 -10.5pp 11.6% 10.5% 12.5% 4%
CRE 48.6%
-1.5pp YoY
-1.2pp QoQ
 +9.1pp 39.5% 46.4% 41.4% 68%
1-4 Family 51.1%
+1.6pp YoY
+1.5pp QoQ
 +18.5pp 32.6% 32.3% 31.3% 83%
Consumer 0.0%
0.0pp YoY
0.0pp QoQ
 -4.1pp 4.1% 2.6% 5.0% 2%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.5% 19.7% n/a
Leverage Ratio 9.7%
0.0pp YoY
+0.2pp QoQ
 -2.5pp 12.2% 12.6% 12.6% 25%
Total Capital Ratio n/a n/a 19.9% 16.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 78
-1 (-1.3%) YoY
0 QoQ
 +19 58 134 482 76%
Assets per Employee ($) $4.2M
+2.0% YoY
+0.1% QoQ
 -$3.3M $7.5M $8.2M $8.8M 6%
Branch Count 6
0 YoY
0 QoQ
 +1 4 9 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.4% 0.4% n/a
Nonaccrual 0.0%
-0.1pp YoY
-0.1pp QoQ
 -0.9pp 0.9% 0.9% 1.0% 12%
Allowance Coverage 15.07x
+134.5% YoY
+108.6% QoQ
 -9.08x 24.15x 56.89x 20.23x 86%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.0% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 3.4%
+8.6pp YoY
-1.7pp QoQ
 -8.8pp 12.2% 11.8% 11.6% 9%
Cost of Funds (YTD) 1.8%
-0.2pp YoY
-0.1pp QoQ
 +0.1pp 1.7% 1.8% 1.7% 56%
Net Income ($, YTD) $506,000
+170.2% YoY
— QoQ
 -$2.0M $2.6M $7.9M $40.4M 11%

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 (3)

Flatlined Growth

risk
#35 of 529 • Bottom 6.4% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.31%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ

Capital Thin

risk
#71 of 661 • Bottom 10.6% 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: 9.70%
(Tier: 15.91%, National: 17.09%)
worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Liquidity Strain

risk
#176 of 691 • Bottom 25.3% 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: 98.20%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

426
Non-Interest Income / Assets
revenue_mix
Value: 0.39%
Peer Median: 0.57%
#426 of 2643 Top 16.1% in $100M-$1B
537
Nonperforming Asset Ratio
credit_quality
Value: 0.04%
Peer Median: 0.67%
#537 of 2643 Top 20.3% in $100M-$1B
547
Delinquency Rate
credit_quality
Value: 0.05%
Peer Median: 0.92%
#547 of 2633 Top 20.7% in $100M-$1B

Top Weaknesses (6 metrics)

2583
Efficiency Ratio
profitability
Value: 99.90%
Peer Median: 64.48%
#2583 of 2643 Bottom 2.3% in $100M-$1B
2456
Tier 1 Capital Ratio
capital
Value: 9.70%
Peer Median: 15.91%
#2456 of 2643 Bottom 7.1% in $100M-$1B
2444
Return on Assets
profitability
Value: 0.31%
Peer Median: 1.32%
#2444 of 2643 Bottom 7.6% in $100M-$1B
2321
Loan-to-Deposit Ratio
liquidity
Value: 98.20%
Peer Median: 77.95%
#2321 of 2643 Bottom 12.2% in $100M-$1B
2285
Net Interest Margin
profitability
Value: 3.13%
Peer Median: 3.99%
#2285 of 2643 Bottom 13.6% in $100M-$1B
2116
Non-Interest-Bearing Deposit Share
funding
Value: 13.77%
Peer Median: 22.03%
#2116 of 2643 Bottom 20.0% in $100M-$1B
Powered by BlastPoint © 2026