Side-by-side · Q2 2026 data
The Equitable Bank, S.S.B. vs Bay Bank
Metric by metric
| Measure | The Equitable Bank, S.S.B. | Bay Bank |
|---|---|---|
| TellerScore | 64 (stronger) | 59 |
| Capital cushion | 47 | 62 (stronger) |
| Loan quality | 98 (stronger) | 32 |
| Earnings | 32 | 65 (stronger) |
| Funding & liquidity | 62 | 76 (stronger) |
| Problem-loan coverage | 99 (stronger) | 84 |
| Peer percentile | 26th | 17th |
| Total assets | $327.1M | $315.7M |
| Deposits / shares | $289.1M | $264.9M |
| Capital ratio | 9.70% | 11.19% (stronger) |
| Problem loans | 0.05% (stronger) | 2.03% |
| Net charge-offs | 0.00% (stronger) | 0.06% |
| Return on assets | 0.31% | 1.12% (stronger) |
| Loans ÷ deposits | 98.2% | 49.6% (stronger) |
| Uninsured deposits | 10.8% (stronger) | 37.0% |
| Offices | 6 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.6% | 34.4% |
The Equitable Bank, S.S.B. has the higher TellerScore (64 vs 59). On the 7 directional measures above (where higher or lower is clearly better), The Equitable Bank, S.S.B. leads on 4 and Bay Bank on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.