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Equitable Savings and Loan Association

$100M-$1B Specialty: Mortgage CO FDIC cert 30707

Sterling, CO

10 branches across CO

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 49 in CO.
  • Deposits +4.1% year over year ($128.2M on the books).
  • Delinquency rate 0.23%.
  • Return on assets 0.11%.
  • Efficiency ratio 93.63% vs a 64.48% peer average.
  • Loan-to-deposit ratio 109.20% 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 49 in CO
View $100M-$1B leaderboard (CO) →

Equitable Savings and Loan Association has 1 strength but faces 7 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 0.69% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 2.7% in tier
  • - Liquidity Strain: Bottom 31.4% in tier
  • - Credit Quality Pressure: Bottom 32.5% in tier
  • - Return on Assets 1.22% below tier average
  • - Efficiency Ratio 29.15% above tier average
  • - Non-Interest-Bearing Deposit Share 13.90% below tier average
  • - Net Interest Margin 0.71% below tier average
Get updates when Equitable Savings and Loan Association releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Total Assets ? $168.3M
+5.5% YoY -2.1% QoQ
-$218.2M $386.6M
+1.2% YoY
$898.3M
+8.6% YoY
$6.3B
+7.7% YoY
19%
Total Loans ? $140.0M
-4.3% YoY -2.5% QoQ
-$118.4M $258.3M
+1.7% YoY
$631.7M
+11.0% YoY
$3.2B
+9.4% YoY
32%
Total Deposits ? $128.2M
+4.1% YoY -2.6% QoQ
-$198.5M $326.7M
+0.7% YoY
$762.3M
+8.8% YoY
$4.9B
+7.3% YoY
15%
Return on Assets ? 0.11%
+230.8% YoY -27.0% QoQ
-1.22% 1.32%
+10.8% YoY
0.96%
+10.1% YoY
1.30%
+12.1% YoY
Bottom 4.4% in tier
Net Interest Margin ? 3.28%
-1.6% YoY -0.4% QoQ
-0.71% 3.99%
+5.0% YoY
4.06%
+4.0% YoY
3.95%
+4.9% YoY
19%
Efficiency Ratio ? 93.63%
-9.0% YoY -1.0% QoQ
+29.15% 64.48%
-3.2% YoY
73.51%
-1.0% YoY
70.05%
+2.5% YoY
Bottom 3.7% in tier
Delinquency Rate ? 0.23%
+2.5% QoQ
-0.69% 0.92%
+15.7% YoY
0.85%
+17.5% YoY
0.98%
+16.3% YoY
64%
Loan-to-Deposit Ratio ? 109.20%
-8.1% YoY +0.2% QoQ
+31.25% 77.95%
+1.0% YoY
78.96%
+0.3% YoY
79.03%
+2.3% YoY
Bottom 3.3% in tier
Non-Interest-Bearing Deposit Share ? 8.13%
-9.0% YoY -12.9% QoQ
-13.90% 22.03%
-0.6% YoY
23.50%
-1.8% YoY
21.98%
-0.6% YoY
Bottom 7.3% in tier
Nonperforming Asset Ratio ? 0.33%
+391.1% YoY +2.1% QoQ
-0.34% 0.67%
+16.4% YoY
0.49%
-10.9% YoY
0.69%
+15.8% YoY
50%
Tier 1 Capital Ratio ? 29.05%
-1.2% YoY -1.0% QoQ
+13.14% 15.91%
+1.4% YoY
19.30%
-20.6% YoY
17.09%
+0.8% YoY
Top 4.5% in tier
Non-Interest Income / Assets ? 0.19%
+7.6% YoY +126.3% QoQ
-0.38% 0.57%
+7.6% YoY
0.55%
+12.7% YoY
0.66%
+5.2% YoY
46%

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 (CO) National Avg Tier Percentile
Noninterest-Bearing 8.1%
-0.8pp YoY
-1.2pp QoQ
 -14.0pp 22.1% 23.5% 22.2% 7%
Brokered Deposits n/a n/a 7.9% 7.4% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
C&I n/a n/a 11.6% 8.4% 12.5% n/a
CRE n/a n/a 39.5% 42.8% 41.4% n/a
1-4 Family 99.3%
0.0pp YoY
+0.1pp QoQ
 +66.7pp 32.6% 33.0% 31.3% 100%
Consumer 0.5%
-0.2pp YoY
0.0pp QoQ
 -3.6pp 4.1% 3.9% 5.0% 16%

Capital

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
CET1 Ratio 29.1%
-0.3pp YoY
-0.3pp QoQ
 +10.2pp 18.8% 24.9% 19.7% 92%
Leverage Ratio 15.7%
-0.7pp YoY
+0.1pp QoQ
 +3.5pp 12.2% 12.5% 12.6% 90%
Total Capital Ratio 29.4%
-0.4pp YoY
-0.3pp QoQ
 +9.5pp 19.9% 26.1% 20.8% 92%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Full-Time Employees 47
-1 (-2.1%) YoY
-1 (-2.1%) QoQ
 -12 58 107 482 49%
Assets per Employee ($) $3.6M
+7.7% YoY
0.0% QoQ
 -$3.9M $7.5M $7.8M $8.8M 2%
Branch Count 10
0 YoY
0 QoQ
 +5 4 7 18 90%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.7% 0.4% n/a
Nonaccrual 0.2% -0.7pp 0.9% 0.8% 1.0% 32%
Allowance Coverage 1.08x
0.0% QoQ
 -23.08x 24.15x 12.16x 20.23x 29%
Net Charge-off Rate (YTD) n/a n/a 0.1% 0.1% 0.2% n/a

Profitability

Metric Current vs Tier Tier Avg State Avg (CO) National Avg Tier Percentile
ROE 0.7%
+1.2pp YoY
-0.3pp QoQ
 -11.5pp 12.2% 9.7% 11.6% 4%
Cost of Funds (YTD) 1.5%
+0.2pp YoY
0.0pp QoQ
 -0.2pp 1.7% 1.7% 1.7% 39%
Net Income ($, YTD) $90,000
+238.5% YoY
— QoQ
 -$2.5M $2.6M $5.4M $40.4M 4%

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)

Liquidity Overhang

risk
#21 of 742 • Bottom 2.7% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 29.05%
(Tier: 15.91%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 109.20%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
742 of 742 Community banks match · 940 nationally
→ Stable +7 banks QoQ | QoQ rank declining

Liquidity Strain

risk
#218 of 691 • Bottom 31.4% 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: 109.20%
(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

Credit Quality Pressure

risk
#409 of 1256 • Bottom 32.5% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.23%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank declining

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 (1 metrics)

120
Tier 1 Capital Ratio
capital
Value: 29.05%
Peer Median: 15.91%
#120 of 2643 Top 4.5% in $100M-$1B

Top Weaknesses (7 metrics)

2557
Loan-to-Deposit Ratio
liquidity
Value: 109.20%
Peer Median: 77.95%
#2557 of 2643 Bottom 3.3% in $100M-$1B
2545
Efficiency Ratio
profitability
Value: 93.63%
Peer Median: 64.48%
#2545 of 2643 Bottom 3.7% in $100M-$1B
2528
Return on Assets
profitability
Value: 0.11%
Peer Median: 1.32%
#2528 of 2643 Bottom 4.4% in $100M-$1B
2450
Non-Interest-Bearing Deposit Share
funding
Value: 8.13%
Peer Median: 22.03%
#2450 of 2643 Bottom 7.3% in $100M-$1B
2245
Total Deposits
size
Value: $128.19M
Peer Median: $326.73M
#2245 of 2643 Bottom 15.1% in $100M-$1B
2148
Net Interest Margin
profitability
Value: 3.28%
Peer Median: 3.99%
#2148 of 2643 Bottom 18.8% in $100M-$1B
2144
Total Assets
size
Value: $168.34M
Peer Median: $386.57M
#2144 of 2643 Bottom 18.9% in $100M-$1B
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