🏦Bank Scorer

THE EQUITABLE SAVINGS AND LOAN COMPANY

CADIZ, OH · Supervised by FDIC

Est. 1898FDIC #29,966RSSD: FDIC-29966
Satisfactory Same

Current rating · Exam: October 2020

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Needs Attention

ROA -3.08%

Institution Profile

FDIC BankFind

Address

114 S Main St, CADIZ, OH

County

Harrison County

Established

January 1, 1898

Total Assets

$9M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

October 1, 2020

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 5 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$9M

Total Deposits

$6M

Net Loans

$6M

Net Income

$-68K

ROA

-3.08%

Below avg for Small banks. Peer avg: 0.44%

ROE

-12.02%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA-3.08%Peer avg: 0.44%▼ Below avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$7M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 2 exams

Exam DateRatingExam Type
Oct 2020SatisfactorySmall Bank
Nov 2014SatisfactorySmall Bank

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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