The Equitable Savings and Loan Company (FDIC certificate #29966) is based in Cadiz, Ohio. Its Q2 2026 call report shows $8.6M in total assets and $6.4M in deposits and 1 office.
Based on its Q2 2026 filing, The Equitable Savings and Loan Company scores 63/100, which we describe as moderate. That is higher than only 22% of 546 banks with under $100 million in assets. Among 157 banks headquartered in Ohio, it ranks 120th. Its strongest component is capital cushion (100/100; 25.56%), and its lowest is earnings (0/100; -2.26%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 19 points (82 → 63), mostly because the earnings component weakened by 46 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 62 |
| Q3 2024 | 74 |
| Q4 2024 | 76 |
| Q1 2025 | 71 |
| Q2 2025 | 82 |
| Q3 2025 | 83 |
| Q4 2025 | 75 |
| Q1 2026 | 70 |
| Q2 2026 | 63 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 24.29% |
| Q3 2024 | 24.49% |
| Q4 2024 | 24.71% |
| Q1 2025 | 24.87% |
| Q2 2025 | 25.33% |
| Q3 2025 | 25.96% |
| Q4 2025 | 25.57% |
| Q1 2026 | 25.31% |
| Q2 2026 | 25.56% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.38% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.00% |
| Q1 2025 | 1.47% |
| Q2 2025 | 0.19% |
| Q3 2025 | 0.20% |
| Q4 2025 | 0.47% |
| Q1 2026 | 0.50% |
| Q2 2026 | 1.33% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -0.62% |
| Q3 2024 | -0.59% |
| Q4 2024 | -0.24% |
| Q1 2025 | 0.64% |
| Q2 2025 | 0.65% |
| Q3 2025 | 0.84% |
| Q4 2025 | 0.14% |
| Q1 2026 | -3.08% |
| Q2 2026 | -2.26% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 63 | $8.6M | 25.56% | 1.33% | -2.26% | 97.2% |
| Q1 2026 | 70 | $8.7M | 25.31% | 0.50% | -3.08% | 98.3% |
| Q4 2025 | 75 | $8.9M | 25.57% | 0.47% | 0.14% | 101.7% |
| Q3 2025 | 83 | $9.0M | 25.96% | 0.20% | 0.84% | 99.8% |
| Q2 2025 | 82 | $9.2M | 25.33% | 0.19% | 0.65% | 98.8% |
| Q1 2025 | 71 | $9.3M | 24.87% | 1.47% | 0.64% | 97.5% |
| Q4 2024 | 76 | $9.3M | 24.71% | 0.00% | -0.24% | 97.6% |
| Q3 2024 | 74 | $9.3M | 24.49% | 0.00% | -0.59% | 97.2% |
| Q2 2024 | 62 | $9.1M | 24.29% | 1.38% | -0.62% | 98.2% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Ohio
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The Mt. Victory State BankBank Mount Victory, OH | 80 out of 100, Strong | $23.4M | 10.4% | 0.00% | vs |
| Credit First National AssociationBank Brook Park, OH | 94 out of 100, Very strong | $39.8M | 98.3% | 0.00% | vs |
| The Brookville Building and Savings AssociationBank Brookville, OH | 79 out of 100, Strong | $41.2M | 20.0% | 0.00% | vs |
| Home Savings Bank of WapakonetaBank Wapakoneta, OH | 75 out of 100, Strong | $45.3M | 12.4% | 0.00% | vs |
| The Union Banking CompanyBank West Mansfield, OH | 65 out of 100, Moderate | $54.5M | 10.8% | 0.67% | vs |
| The Pioneer Savings BankBank Cleveland, OH | 69 out of 100, Moderate | $54.7M | 11.8% | 0.00% | vs |
Deposit insurance
Is my money safe at The Equitable Savings and Loan Company?
Yes. The Equitable Savings and Loan Company is an FDIC-insured institution (FDIC certificate #29966). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 7.5% of deposits ($477K) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 25.56%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
The Equitable Savings and Loan Company lists 1 office in 1 city. Most locations:
- Cadiz, OH (1)
Identity & history
Profile
- Legal name
- The Equitable Savings and Loan Company
- Type
- State-chartered bank
- FDIC certificate #
- 29966
- RSSD ID
- 910079
- Primary regulator
- FDIC
- Established
- January 1, 1898
- Headquarters
- 114 S Main St, Cadiz, OH 43907
- Website
- www.equitablesavings.com
- Employees
- 3
Quick answers
The Equitable Savings and Loan Company: common questions
Is The Equitable Savings and Loan Company FDIC insured?
Yes. The Equitable Savings and Loan Company is an FDIC-insured institution (FDIC certificate #29966). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is The Equitable Savings and Loan Company's TellerScore?
63 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has The Equitable Savings and Loan Company ever failed?
There is no failure record for FDIC certificate #29966 in the FDIC failed bank list.
How many branches does The Equitable Savings and Loan Company have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Cadiz
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First Choice America Community Federal Credit UnionCredit union Weirton, WV | 96 out of 100, Very strong | $713.9M | 18.1% | 0.15% | vs |
| Ibew 141 Federal Credit UnionCredit union Saint Clairsvil, OH | 90 out of 100, Very strong | $1.3M | 19.6% | 0.00% | vs |
| Dover-Phila Federal Credit UnionCredit union Dover, OH | 83 out of 100, Strong | $812.6M | 13.3% | 0.91% | vs |
| Valley One Community Federal Credit UnionCredit union Steubenville, OH | 79 out of 100, Strong | $42.2M | 12.2% | 0.16% | vs |
| Hancock County Savings Bank, F.S.B.Bank Chester, WV | 79 out of 100, Strong | $508.0M | 18.4% | 0.63% | vs |
| Southeastern Ohio Credit UnionCredit union Cambridge, OH | 78 out of 100, Strong | $65.4M | 12.1% | 1.03% | vs |