BlastPoint's Banking Scorecard
The Equitable Savings and Loan Company
Micro
Specialty: Mortgage
OH
FDIC cert 29966
Designations: ✓ Community bank
Cadiz, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Equitable Savings and Loan Company faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 1.01% below tier
- - Efficiency Ratio 55.28% above tier
- - Loan-to-Deposit Ratio 27.18% above tier
- - Non-Interest-Bearing Deposit Share 22.39% below tier
- - Non-Interest Income / Assets 0.45% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$8.9M
-3.7% YoY
-0.7% QoQ
|
-$208.6M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$6.7M
-1.1% YoY
+1.8% QoQ
|
-$132.5M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$6.6M
-5.1% YoY
-0.1% QoQ
|
-$177.1M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 1% in tier |
| Return on Assets ? |
0.08%
+131.9% YoY
-90.9% QoQ
|
-1.01% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 8% in tier |
| Net Interest Margin ? |
3.91%
-11.1% YoY
-1.3% QoQ
|
+0.06% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
55% |
| Efficiency Ratio ? |
123.01%
+16.8% YoY
+2.5% QoQ
|
+55.28% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Bottom 2% in tier |
| Delinquency Rate ? |
0.48%
+141.8% QoQ
|
-0.16% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
46% |
| Loan-to-Deposit Ratio ? |
101.71%
+4.2% YoY
+1.9% QoQ
|
+27.18% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
Bottom 7% in tier |
| Non-Interest-Bearing Deposit Share ? | 0.00% | -22.39% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
Bottom 2% in tier |
| Nonperforming Asset Ratio ? |
0.36%
+147.9% QoQ
|
-0.09% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
46% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.11%
+15.4% YoY
+11.9% QoQ
|
-0.45% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
Bottom 9% in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (5)
Return on Assets
metric
Bottom 8%
in Micro
Why this stands out
Current:
0.08%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
123.01%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
101.71%
(Tier avg: 74.53%, National avg: 78.04%)
Non-Interest-Bearing Deposit Share
metric
Bottom 2%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 22.39%, National avg: 21.79%)
Non-Interest Income / Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.11%
(Tier avg: 0.56%, National avg: 0.65%)
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
55
55th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.64%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.45%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
8
8th pctile
Return on Assets
Current: 0.08% · Tier avg: 1.08%
7
7th pctile
Loan-to-Deposit Ratio
Current: 101.71% · Tier avg: 74.53%
2
2th pctile
Total Loans
Current: $6.7M · Tier avg: $139.2M
2
2th pctile
Efficiency Ratio
Current: 123.01% · Tier avg: 67.73%
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
1
1th pctile
Total Deposits
Current: $6.6M · Tier avg: $183.7M
0
0th pctile
Total Assets
Current: $8.9M · Tier avg: $217.5M
Top Weaknesses
0
0th pctile
Total Assets
Current: $8.9M · Tier avg: $217.5M
1
1th pctile
Total Deposits
Current: $6.6M · Tier avg: $183.7M
2
2th pctile
Non-Interest-Bearing Deposit Share
Current: 0.00% · Tier avg: 22.39%
2
2th pctile
Efficiency Ratio
Current: 123.01% · Tier avg: 67.73%
2
2th pctile
Total Loans
Current: $6.7M · Tier avg: $139.2M
7
7th pctile
Loan-to-Deposit Ratio
Current: 101.71% · Tier avg: 74.53%
8
8th pctile
Return on Assets
Current: 0.08% · Tier avg: 1.08%
9
9th pctile
Non-Interest Income / Assets
Current: 0.11% · Tier avg: 0.56%
46
46th pctile
Nonperforming Asset Ratio
Current: 0.36% · Tier avg: 0.45%
46
46th pctile
Delinquency Rate
Current: 0.48% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Net Interest Margin
Current: 3.91% · Tier avg: 3.85%