BlastPoint's Banking Scorecard

The Equitable Savings and Loan Company

under $100M Specialty: Mortgage OH FDIC cert 29966

Designations: ✓ Community bank ✓ Mutual

Cadiz, OH

537 banks in the under $100M peer group nationally 22 in OH

The Equitable Savings and Loan Company 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 0.86% below tier average

Key Concerns

Areas that may need attention

- Return on Assets 3.93% below tier average
- Efficiency Ratio 41.32% above tier average
- Loan-to-Deposit Ratio 34.19% above tier average
- Non-Interest-Bearing Deposit Share 23.79% below tier average
- Net Interest Margin 0.17% below tier average

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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	-$53.5M	$62.3M -0.5% YoY	$36.0B +10.6% YoY	$6.2B +9.0% YoY	Bottom 0.9% in tier
Total Loans ?	$6.4M -6.9% YoY -5.2% QoQ	-$27.9M	$34.3M -1.5% YoY	$15.8B +12.8% YoY	$3.2B +10.7% YoY	Bottom 7.6% in tier
Total Deposits ?	$6.5M -7.6% YoY -1.9% QoQ	-$45.4M	$51.8M -0.6% YoY	$26.1B +8.5% YoY	$4.8B +8.0% YoY	Bottom 3.7% in tier
Return on Assets ?	-3.08% -577.6% YoY	-3.93%	0.86% -3.6% YoY	1.13% +9.6% YoY	1.24% +13.1% YoY	Bottom 3.4% in tier
Net Interest Margin ?	3.70% -8.9% YoY -7.1% QoQ	-0.17%	3.87% +2.7% YoY	3.59% +7.5% YoY	3.89% +5.7% YoY	43%
Efficiency Ratio ?	128.95% +15.2% YoY +6.7% QoQ	+41.32%	87.63% +2.3% YoY	72.32% -4.0% YoY	66.84% -3.8% YoY	Bottom 6.0% in tier
Delinquency Rate ?	0.50% -66.0% YoY +5.5% QoQ	-0.86%	1.36% +33.7% YoY	0.66% +14.5% YoY	0.95% +18.8% YoY	47%
Loan-to-Deposit Ratio ?	98.30% +0.8% YoY -3.4% QoQ	+34.19%	64.11% -0.9% YoY	79.14% +0.8% YoY	76.69% +0.9% YoY	Bottom 8.4% in tier
Non-Interest-Bearing Deposit Share ?	0.00%	-23.79%	23.79% +0.5% YoY	18.19% -0.4% YoY	22.01% -1.1% YoY	Bottom 4.7% in tier
Nonperforming Asset Ratio ?	0.37% -66.1% YoY +2.2% QoQ	-0.41%	0.77% +28.7% YoY	0.44% +14.5% YoY	0.66% +19.3% YoY	44%
Tier 1 Capital Ratio ?	25.31% +1.8% YoY -1.0% QoQ	-1.46%	26.77% +2.0% YoY	19.42% +3.1% YoY	17.06% +0.8% YoY	80%
Non-Interest Income / Assets ?	0.02% -57.2% YoY -79.6% QoQ	-0.65%	0.67% +1.6% YoY	0.57% -2.5% YoY	0.32% +4.0% YoY	17%

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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 (0)

No matched concern signatures this quarter

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 537 peers in under $100M

Top Strengths (1 metrics)

111

Tier 1 Capital Ratio

capital

Value: 25.31%

Peer Median: 26.77%

#111 of 537 Top 20.5% in under $100M

Top Weaknesses (8 metrics)

533

Total Assets

size

Value: $8.75M

Peer Median: $62.28M

#533 of 537 Bottom 0.9% in under $100M

520

Return on Assets

profitability

Value: -3.08%

Peer Median: 0.86%

#520 of 537 Bottom 3.4% in under $100M

518

Total Deposits

size

Value: $6.47M

Peer Median: $51.83M

#518 of 537 Bottom 3.7% in under $100M

513

Non-Interest-Bearing Deposit Share

funding

Value: 0.00%

Peer Median: 23.79%

#513 of 537 Bottom 4.7% in under $100M

506

Efficiency Ratio

profitability

Value: 128.95%

Peer Median: 87.63%

#506 of 537 Bottom 6.0% in under $100M

497

Total Loans

size

Value: $6.37M

Peer Median: $34.29M

#497 of 537 Bottom 7.6% in under $100M

493

Loan-to-Deposit Ratio

liquidity

Value: 98.30%

Peer Median: 64.11%

#493 of 537 Bottom 8.4% in under $100M

446

Non-Interest Income / Assets

revenue_mix

Value: 0.02%

Peer Median: 0.67%

#446 of 537 Bottom 17.1% in under $100M