Equitable Savings and Loan Association: how it compares with its peers
Against 25 CO banks with half to twice its assets, Equitable Savings and Loan Association's strongest measure in Q2 2026 is net interest margin (3.28% vs. a 4.13% peer median). Its weakest relative measure is return on assets (0.11% vs. 1.02%).
| Measure | This bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 0.11% | 1.02% | Bottom third Ahead of 0% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.28% | 4.13% | Bottom third Ahead of 12% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 93.63% | 67.89% | Bottom third Ahead of 0% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.6M | $6.7M | Bottom third Ahead of 0% of peers |
| Loans to deposits Net loans and leases over total deposits. | 109.20% | 78.38% | Context |
What it means for lending operations
Its efficiency ratio of 93.63% is above the 67.89% 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
- Bank of Estes Park Estes Park, CO · $172M
- Park State Bank & Trust Woodland Park, CO · $162M
- First National Bank, Cortez Cortez, CO · $157M
- Del Norte Bank Del Norte, CO · $155M
- Fowler State Bank Fowler, CO · $155M
- Evergreen National Bank Evergreen, CO · $140M
Questions about Equitable Savings and Loan Association
How big is Equitable Savings and Loan Association?
Equitable Savings and Loan Association, established in 1921, is headquartered in Sterling, CO. It reported $168M in total assets in its Q2 2026 FDIC call report and operates 10 offices.
What is Equitable Savings and Loan Association's return on assets?
0.11% annualized in Q2 2026, against a 1.02% median for 25 CO banks with half to twice its assets, ahead of 0% of them.
What is Equitable Savings and Loan Association's efficiency ratio?
93.63% in Q2 2026: it spent about 94 cents in noninterest expense for each dollar of revenue. The peer median is 67.89%, and lower is better.
Is Equitable Savings and Loan Association growing its loans?
Net loans shrank 4.3% over the year to Q2 2026, while deposits grew 4.1%.
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 CO 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 Colorado bank ranked.