BlastPoint's Banking Scorecard
The Equitable Savings and Loan Company
Designations: ✓ Community bank ✓ Mutual
Cadiz, OH
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 536 banks in the under $100M peer group nationwide — 1 of 24 in OH.
- Deposits -6.5% year over year ($6.4M on the books).
- Delinquency rate 1.34%.
- Return on assets -2.26%.
- Efficiency ratio 130.72% vs a 119.40% peer average.
- Loan-to-deposit ratio 97.20% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Equitable Savings and Loan Company has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.14% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 3.26% below tier average
- - Efficiency Ratio 11.32% above tier average
- - Non-Interest-Bearing Deposit Share 23.49% below tier average
- - Net Interest Margin 0.09% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.6M
-6.1% YoY
-1.7% QoQ
|
-$53.8M |
$62.4M
-0.0% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 0.9% in tier |
| Total Loans ? |
$6.2M
-8.0% YoY
-3.0% QoQ
|
-$28.7M |
$34.9M
-0.6% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 6.9% in tier |
| Total Deposits ? |
$6.4M
-6.5% YoY
-1.9% QoQ
|
-$45.3M |
$51.6M
-0.2% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
Bottom 4.3% in tier |
| Return on Assets ? |
-2.26%
-449.0% YoY
+26.5% QoQ
|
-3.26% |
1.00%
+3.5% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
Bottom 3.9% in tier |
| Net Interest Margin ? |
3.82%
-4.7% YoY
+3.3% QoQ
|
-0.09% |
3.91%
+2.3% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
48% |
| Efficiency Ratio ? |
130.72%
+9.7% YoY
+1.4% QoQ
|
+11.32% |
119.40%
+49.6% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
Bottom 6.0% in tier |
| Delinquency Rate ? |
1.34%
+594.3% YoY
+167.3% QoQ
|
-0.14% |
1.48%
+31.8% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
29% |
| Loan-to-Deposit Ratio ? |
97.20%
-1.6% YoY
-1.1% QoQ
|
+22.99% |
74.21%
+12.6% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
Bottom 11.8% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -23.49% |
23.49%
+0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
Bottom 4.7% in tier |
| Nonperforming Asset Ratio ? |
0.97%
+580.3% YoY
+164.0% QoQ
|
+0.13% |
0.84%
+23.0% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
25.56%
+0.9% YoY
+1.0% QoQ
|
-1.57% |
27.13%
+3.0% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.03%
-54.3% YoY
+52.7% QoQ
|
-1.35% |
1.38%
+6.3% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
Bottom 12.5% in tier |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing | n/a | n/a | 24.6% | 18.8% | 22.2% | n/a |
| Brokered Deposits | n/a | n/a | 9.8% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I | n/a | n/a | 13.4% | 10.2% | 12.5% | n/a |
| CRE | n/a | n/a | 25.2% | 34.2% | 41.4% | n/a |
| 1-4 Family |
97.8%
+0.2pp YoY +0.5pp QoQ |
+62.9pp | 35.0% | 50.0% | 31.3% | 100% |
| Consumer |
1.7%
-0.1pp YoY -0.5pp QoQ |
-5.9pp | 7.7% | 4.7% | 5.0% | 20% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 22.1% | 19.7% | n/a |
| Leverage Ratio |
25.6%
+0.2pp YoY +0.2pp QoQ |
+7.9pp | 17.7% | 12.9% | 12.6% | 90% |
| Total Capital Ratio | n/a | n/a | 39.7% | 23.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
3
0 YoY 0 QoQ |
-9 | 12 | 2,433 | 482 | 1% |
| Assets per Employee ($) |
$2.9M
-6.1% YoY -1.7% QoQ |
-$3.3M | $6.2M | $7.6M | $8.8M | 7% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 81 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.1%
+0.8pp QoQ |
+0.2pp | 1.0% | 0.2% | 0.4% | 78% |
| Nonaccrual |
0.2%
0.0pp YoY 0.0pp QoQ |
-1.5pp | 1.7% | 0.6% | 1.0% | 24% |
| Allowance Coverage |
0.60x
-84.3% YoY -61.4% QoQ |
-5.81x | 6.41x | 18.95x | 20.23x | 28% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.2% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
-8.8%
-11.4pp YoY +3.2pp QoQ |
-15.2pp | 6.4% | 9.7% | 11.6% | 5% |
| Cost of Funds (YTD) |
0.8%
0.0pp YoY -0.1pp QoQ |
-0.6pp | 1.4% | 1.7% | 1.7% | 16% |
| Net Income ($, YTD) |
$-99000.0
-430.0% YoY — QoQ |
-$417K | $317,817 | $259.3M | $40.4M | 10% |
Get Full Access to The Equitable Savings and Loan Company
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.