BlastPoint's Banking Scorecard
The Equitable Savings and Loan Company
Designations: ✓ Community bank ✓ Mutual
Cadiz, OH
The Equitable Savings and Loan Company has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.87% below tier average
Key Concerns
Areas that may need attention
- - Return on Assets 3.91% below tier average
- - Efficiency Ratio 40.60% above tier average
- - Loan-to-Deposit Ratio 34.09% above tier average
- - Non-Interest-Bearing Deposit Share 23.71% below tier average
- - Net Interest Margin 0.16% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.7M
-6.5% YoY
-2.2% QoQ
|
-$53.4M |
$62.2M
-0.6% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 1.1% in tier |
| Total Loans ? |
$6.4M
-6.9% YoY
-5.2% QoQ
|
-$27.9M |
$34.2M
-1.4% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 7.8% in tier |
| Total Deposits ? |
$6.5M
-7.6% YoY
-1.9% QoQ
|
-$45.3M |
$51.7M
-0.7% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 3.9% in tier |
| Return on Assets ? |
-3.08%
-577.6% YoY
|
-3.91% |
0.84%
-2.3% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 3.7% in tier |
| Net Interest Margin ? |
3.70%
-8.9% YoY
-7.1% QoQ
|
-0.16% |
3.86%
+2.8% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
44% |
| Efficiency Ratio ? |
128.95%
+15.2% YoY
+6.7% QoQ
|
+40.60% |
88.34%
+0.3% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
Bottom 6.3% in tier |
| Delinquency Rate ? |
0.50%
-66.0% YoY
+5.5% QoQ
|
-0.87% |
1.37%
+33.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
47% |
| Loan-to-Deposit Ratio ? |
98.30%
+0.8% YoY
-3.4% QoQ
|
+34.09% |
64.22%
-0.7% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
Bottom 8.3% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -23.71% |
23.71%
+0.3% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
Bottom 5.0% in tier |
| Nonperforming Asset Ratio ? |
0.37%
-66.1% YoY
+2.2% QoQ
|
-0.42% |
0.79%
+28.2% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
44% |
| Tier 1 Capital Ratio ? |
25.31%
+1.8% YoY
-1.0% QoQ
|
-1.37% |
26.68%
+2.0% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.02%
-57.2% YoY
-79.6% QoQ
|
-0.64% |
0.67%
+1.9% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
17% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.