BlastPoint's Banking Scorecard
Equitable Savings and Loan Association
Sterling, CO
10 branches across CO
Equitable Savings and Loan Association has 1 strength but faces 7 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.67% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 2.3% in tier
- - Credit Quality Pressure: Bottom 24.8% in tier
- - Liquidity Strain: Bottom 41.8% in tier
- - Return on Assets 1.12% below tier average
- - Efficiency Ratio 29.24% above tier average
- - Non-Interest-Bearing Deposit Share 12.68% below tier average
- - Net Interest Margin 0.64% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$172.0M
+6.6% YoY
+1.0% QoQ
|
-$214.1M |
$386.1M
+0.5% YoY
|
$1.3B
+9.7% YoY
|
$6.2B
+9.1% YoY
|
20% |
| Total Loans ? |
$143.5M
-0.8% YoY
-1.1% QoQ
|
-$112.2M |
$255.7M
+1.1% YoY
|
$851.2M
+6.5% YoY
|
$3.2B
+10.8% YoY
|
34% |
| Total Deposits ? |
$131.6M
+5.7% YoY
+1.3% QoQ
|
-$196.3M |
$328.0M
+0.1% YoY
|
$1.1B
+5.2% YoY
|
$4.8B
+8.2% YoY
|
16% |
| Return on Assets ? |
0.14%
+354.3% YoY
+147.4% QoQ
|
-1.12% |
1.27%
+12.9% YoY
|
0.93%
+11.9% YoY
|
1.23%
+13.4% YoY
|
Bottom 5.4% in tier |
| Net Interest Margin ? |
3.29%
-0.1% YoY
-0.5% QoQ
|
-0.64% |
3.93%
+6.0% YoY
|
3.99%
+5.0% YoY
|
3.89%
+5.7% YoY
|
21% |
| Efficiency Ratio ? |
94.53%
-7.5% YoY
-3.3% QoQ
|
+29.24% |
65.29%
-4.5% YoY
|
74.00%
-3.2% YoY
|
66.95%
-4.1% YoY
|
Bottom 4.2% in tier |
| Delinquency Rate ? |
0.22%
+156.2% YoY
+1.1% QoQ
|
-0.67% |
0.89%
+18.8% YoY
|
0.67%
-8.3% YoY
|
0.95%
+18.8% YoY
|
63% |
| Loan-to-Deposit Ratio ? |
109.03%
-6.1% YoY
-2.4% QoQ
|
+32.39% |
76.64%
+0.8% YoY
|
78.09%
+0.7% YoY
|
76.70%
+0.9% YoY
|
Bottom 3.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.34%
-3.3% YoY
-1.7% QoQ
|
-12.68% |
22.02%
-1.0% YoY
|
23.93%
-3.2% YoY
|
22.01%
-1.2% YoY
|
Bottom 9.5% in tier |
| Nonperforming Asset Ratio ? |
0.32%
+315.1% YoY
-0.9% QoQ
|
-0.32% |
0.64%
+19.7% YoY
|
0.50%
-1.2% YoY
|
0.67%
+19.3% YoY
|
49% |
| Tier 1 Capital Ratio ? |
29.34%
+1.9% YoY
+2.6% QoQ
|
+13.51% |
15.83%
+1.5% YoY
|
21.66%
+2.9% YoY
|
17.06%
+0.8% YoY
|
Top 4.2% in tier |
| Non-Interest Income / Assets ? |
0.08%
-8.8% YoY
-78.1% QoQ
|
-0.20% |
0.28%
+9.3% YoY
|
0.26%
+10.8% YoY
|
0.32%
+4.1% YoY
|
42% |
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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 (3)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.