BlastPoint's Banking Scorecard
The Equitable Bank, S.S.B.
Micro
Specialty: Commercial
WI
FDIC cert 28614
Designations: ✓ Community bank
Wauwatosa, WI
2498
banks in Micro tier nationally
88 in WI
View Micro leaderboard (WI) →
The Equitable Bank, S.S.B. has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 25.92% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.22% below tier
- - Efficiency Ratio 36.44% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (WI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$331.9M
+3.6% YoY
+1.6% QoQ
|
+$114.4M |
$217.5M
+2.3% YoY
|
$1.1B
+5.1% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$287.9M
+4.5% YoY
+0.4% QoQ
|
+$148.7M |
$139.2M
+2.8% YoY
|
$768.8M
+4.7% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$286.6M
-1.1% YoY
-0.3% QoQ
|
+$102.9M |
$183.7M
+1.8% YoY
|
$858.9M
+4.5% YoY
|
$4.7B
+6.3% YoY
|
79% |
| Return on Assets ? |
-0.14%
+74.1% YoY
+52.6% QoQ
|
-1.22% |
1.08%
+14.7% YoY
|
1.12%
+22.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 5% in tier |
| Net Interest Margin ? |
2.89%
+21.4% YoY
+3.2% QoQ
|
-0.97% |
3.85%
+6.6% YoY
|
3.60%
+10.9% YoY
|
3.75%
+7.1% YoY
|
Bottom 12% in tier |
| Efficiency Ratio ? |
104.16%
-13.2% YoY
-4.5% QoQ
|
+36.44% |
67.73%
-4.8% YoY
|
64.76%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 4% in tier |
| Delinquency Rate ? |
0.09%
-46.8% YoY
-73.5% QoQ
|
-0.55% |
0.64%
+24.4% YoY
|
0.52%
+44.6% YoY
|
0.66%
+20.3% YoY
|
72% |
| Loan-to-Deposit Ratio ? |
100.45%
+5.6% YoY
+0.7% QoQ
|
+25.92% |
74.53%
+0.5% YoY
|
85.80%
+1.3% YoY
|
78.04%
+0.7% YoY
|
Top 9% in tier |
| Non-Interest-Bearing Deposit Share ? |
11.23%
-2.9% YoY
-0.7% QoQ
|
-11.16% |
22.39%
-1.3% YoY
|
18.83%
-1.2% YoY
|
21.79%
-1.3% YoY
|
Bottom 14% in tier |
| Nonperforming Asset Ratio ? |
0.08%
-46.4% YoY
-73.9% QoQ
|
-0.38% |
0.45%
+25.1% YoY
|
0.37%
+20.8% YoY
|
0.48%
+20.8% YoY
|
70% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
8.70%
-2.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.67%
-1.8% YoY
+42.3% QoQ
|
+0.11% |
0.56%
+0.3% YoY
|
0.58%
+3.9% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 9%
in Micro
Why this stands out
Current:
100.45%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (2)
Return on Assets
metric
Bottom 5%
in Micro
Why this stands out
Current:
-0.14%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 4%
in Micro
Why this stands out
Current:
104.16%
(Tier avg: 67.73%, National avg: 65.09%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
91
91th pctile
Loan-to-Deposit Ratio
Current: 100.45% · Tier avg: 74.53%
90
90th pctile
Total Loans
Current: $287.9M · Tier avg: $139.2M
82
82th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
79
79th pctile
Total Deposits
Current: $286.6M · Tier avg: $183.7M
78
78th pctile
Total Assets
Current: $331.9M · Tier avg: $217.5M
72
72th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.64%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.23% · Tier avg: 22.39%
12
12th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.85%
5
5th pctile
Return on Assets
Current: -0.14% · Tier avg: 1.08%
4
4th pctile
Efficiency Ratio
Current: 104.16% · Tier avg: 67.73%
Top Weaknesses
4
4th pctile
Efficiency Ratio
Current: 104.16% · Tier avg: 67.73%
5
5th pctile
Return on Assets
Current: -0.14% · Tier avg: 1.08%
12
12th pctile
Net Interest Margin
Current: 2.89% · Tier avg: 3.85%
14
14th pctile
Non-Interest-Bearing Deposit Share
Current: 11.23% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
70
70th pctile
Nonperforming Asset Ratio
Current: 0.08% · Tier avg: 0.45%
72
72th pctile
Delinquency Rate
Current: 0.09% · Tier avg: 0.64%
78
78th pctile
Total Assets
Current: $331.9M · Tier avg: $217.5M
79
79th pctile
Total Deposits
Current: $286.6M · Tier avg: $183.7M
82
82th pctile
Non-Interest Income / Assets
Current: 0.67% · Tier avg: 0.56%
90
90th pctile
Total Loans
Current: $287.9M · Tier avg: $139.2M
91
91th pctile
Loan-to-Deposit Ratio
Current: 100.45% · Tier avg: 74.53%