The Equitable Savings and Loan Company: how it compares with its peers
Against 32 U.S. banks with half to twice its assets, The Equitable Savings and Loan Company's strongest measure in Q2 2026 is assets per employee ($2.9M vs. a $959K peer median). Its weakest relative measure is efficiency ratio (130.72% vs. 86.76%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -2.26% | 3.54% | Bottom third Ahead of 22% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.82% | 3.44% | Middle third Ahead of 66% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 130.72% | 86.76% | Bottom third Ahead of 19% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $2.9M | $959K | Top third Ahead of 90% of peers |
| Loans to deposits Net loans and leases over total deposits. | 97.20% | 0.17% | Context |
What it means for lending operations
Its efficiency ratio of 130.72% is above the 86.76% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- BMO Harris Central National Association Roselle, IL · $8M
Questions about The Equitable Savings and Loan Company
How big is The Equitable Savings and Loan Company?
The Equitable Savings and Loan Company, established in 1898, is headquartered in Cadiz, OH. It reported $9M in total assets in its Q2 2026 FDIC call report and operates 1 office.
What is The Equitable Savings and Loan Company's return on assets?
-2.26% annualized in Q2 2026, against a 3.54% median for 32 U.S. banks with half to twice its assets, ahead of 22% of them.
What is The Equitable Savings and Loan Company's efficiency ratio?
130.72% in Q2 2026: it spent about 131 cents in noninterest expense for each dollar of revenue. The peer median is 86.76%, and lower is better.
Is The Equitable Savings and Loan Company growing its loans?
Net loans shrank 8.0% over the year to Q2 2026, while deposits shrank 6.5%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Ohio bank ranked.