Bank · FDIC insured
The Equitable Savings and Loan Company
A $8.6M bank headquartered in Cadiz, OH, with 1 branch in Ohio. Best rates: CDs 3.53% and savings 0.05% APY.
The Equitable Savings and Loan Company Carrot Score
60
Carrot Score
Higher than 2% of U.S. banks and credit unions
#236 of 247 in OhioHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About The Equitable Savings and Loan Company
Established in 1873, The Equitable Savings and Loan Company is an independent, community-based institution headquartered in Cadiz, Ohio.
Originally opened as the Cadiz Building and Loan, it was organized so ordinary individuals could invest money and borrow funds to buy or build homes.
The institution became the Equitable Building and Loan Company in 1885, received a permanent charter in 1898, and adopted its current name in 1952.
Equitable expanded by absorbing The Independent Building and Savings Association in 1910 and the Harrison Building and Loan Company in 1937.
- Headquarters
- 114 S Main St, Cadiz, OH 43907
- FDIC certificate
- 29966 ↗
Branches
1 branch in Ohio
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Ohio
1 branch
- The Equitable Savings and Loan CompanyMain office114 S Main St, Cadiz, OH 43907Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 25.56% | 12.77% | 16.04% or more |
| Troubled loansNoncurrent | 1.33% | 0.46% | 0.00% or less |
| ProfitabilityReturn on assets | -2.26% | 0.99% | 1.52% or more |
| LendingLoans per $100 deposited | $98 | $67 | — |
- CapitalLeverage ratio25.56%Peers’ middle 12.77% · Top 25% 16.04%+
- Troubled loansNoncurrent1.33%Peers’ middle 0.46% · Top 25% ≤0.00%
- ProfitabilityReturn on assets-2.26%Peers’ middle 0.99% · Top 25% 1.52%+
- LendingLoans per $100 deposited$98Peers’ middle $67
Compared with the 546 banks with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of The Equitable Savings and Loan Company are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.