BlastPoint's Banking Scorecard
Equitable Savings and Loan Association
Micro
Specialty: Mortgage
CO
FDIC cert 30707
Designations: ✓ Community bank
Sterling, CO
2498
banks in Micro tier nationally
44 in CO
View Micro leaderboard (CO) →
Equitable Savings and Loan Association has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 37.17% above tier
- + Tier 1 Capital Ratio 19.75% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 1.03% below tier
- - Efficiency Ratio 30.07% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (CO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$170.3M
+5.3% YoY
+2.2% QoQ
|
-$47.2M |
$217.5M
+2.3% YoY
|
$1.3B
+2.8% YoY
|
$5.9B
+6.5% YoY
|
43% |
| Total Loans ? |
$145.1M
-1.6% YoY
+0.5% QoQ
|
+$5.9M |
$139.2M
+2.8% YoY
|
$824.3M
+2.7% YoY
|
$3.1B
+8.5% YoY
|
59% |
| Total Deposits ? |
$129.9M
+3.9% YoY
+3.1% QoQ
|
-$53.8M |
$183.7M
+1.8% YoY
|
$1.1B
+1.6% YoY
|
$4.7B
+6.3% YoY
|
39% |
| Return on Assets ? |
0.06%
+320.1% YoY
+137.7% QoQ
|
-1.03% |
1.08%
+14.7% YoY
|
1.12%
+12.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 7% in tier |
| Net Interest Margin ? |
3.31%
+1.2% YoY
-0.5% QoQ
|
-0.55% |
3.85%
+6.6% YoY
|
3.95%
+6.7% YoY
|
3.75%
+7.1% YoY
|
26% |
| Efficiency Ratio ? |
97.80%
-3.2% YoY
-1.3% QoQ
|
+30.07% |
67.73%
-4.8% YoY
|
67.28%
-4.0% YoY
|
65.09%
-5.1% YoY
|
Bottom 6% in tier |
| Delinquency Rate ? |
0.22%
+158.3% YoY
+36.3% QoQ
|
-0.42% |
0.64%
+24.4% YoY
|
0.61%
+13.9% YoY
|
0.66%
+20.3% YoY
|
60% |
| Loan-to-Deposit Ratio ? |
111.70%
-5.4% YoY
-2.6% QoQ
|
+37.17% |
74.53%
+0.5% YoY
|
79.99%
+0.9% YoY
|
78.04%
+0.7% YoY
|
Top 3% in tier |
| Non-Interest-Bearing Deposit Share ? |
9.51%
-3.0% YoY
+8.4% QoQ
|
-12.89% |
22.39%
-1.3% YoY
|
24.49%
-4.5% YoY
|
21.79%
-1.3% YoY
|
Bottom 11% in tier |
| Nonperforming Asset Ratio ? |
0.32%
+320.3% YoY
+59.8% QoQ
|
-0.13% |
0.45%
+25.1% YoY
|
0.45%
-15.5% YoY
|
0.48%
+20.8% YoY
|
47% |
| Tier 1 Capital Ratio ? |
28.60%
+1.0% YoY
-2.6% QoQ
|
+19.75% |
8.85%
-3.4% YoY
|
9.12%
-6.3% YoY
|
9.75%
-1.9% YoY
|
Top 5% in tier |
| Non-Interest Income / Assets ? |
0.38%
-4.6% YoY
+25.1% QoQ
|
-0.18% |
0.56%
+0.3% YoY
|
0.58%
-33.0% YoY
|
0.65%
+0.6% YoY
|
54% |
Signature Analysis
Strengths (2)
Loan-to-Deposit Ratio
metric
Top 3%
in Micro
Why this stands out
Current:
111.70%
(Tier avg: 74.53%, National avg: 78.04%)
Tier 1 Capital Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
28.60%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (2)
Return on Assets
metric
Bottom 7%
in Micro
Why this stands out
Current:
0.06%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
97.80%
(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
97
97th pctile
Loan-to-Deposit Ratio
Current: 111.70% · Tier avg: 74.53%
95
95th pctile
Tier 1 Capital Ratio
Current: 28.60% · Tier avg: 8.85%
60
60th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
59
59th pctile
Total Loans
Current: $145.1M · Tier avg: $139.2M
54
54th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
47
47th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.45%
43
43th pctile
Total Assets
Current: $170.3M · Tier avg: $217.5M
39
39th pctile
Total Deposits
Current: $129.9M · Tier avg: $183.7M
26
26th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.85%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.51% · Tier avg: 22.39%
7
7th pctile
Return on Assets
Current: 0.06% · Tier avg: 1.08%
6
6th pctile
Efficiency Ratio
Current: 97.80% · Tier avg: 67.73%
Top Weaknesses
6
6th pctile
Efficiency Ratio
Current: 97.80% · Tier avg: 67.73%
7
7th pctile
Return on Assets
Current: 0.06% · Tier avg: 1.08%
11
11th pctile
Non-Interest-Bearing Deposit Share
Current: 9.51% · Tier avg: 22.39%
26
26th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.85%
39
39th pctile
Total Deposits
Current: $129.9M · Tier avg: $183.7M
43
43th pctile
Total Assets
Current: $170.3M · Tier avg: $217.5M
47
47th pctile
Nonperforming Asset Ratio
Current: 0.32% · Tier avg: 0.45%
54
54th pctile
Non-Interest Income / Assets
Current: 0.38% · Tier avg: 0.56%
59
59th pctile
Total Loans
Current: $145.1M · Tier avg: $139.2M
60
60th pctile
Delinquency Rate
Current: 0.22% · Tier avg: 0.64%
95
95th pctile
Tier 1 Capital Ratio
Current: 28.60% · Tier avg: 8.85%
97
97th pctile
Loan-to-Deposit Ratio
Current: 111.70% · Tier avg: 74.53%