TellerScore

Headquartered in Grand Island, Nebraska, Equitable Bank is a state-chartered bank (fed member) with $523.5M in total assets and $448.5M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1890.

Equitable Bank has a TellerScore of 72 out of 100 (strong) based on Q2 2026 data — higher than 50% of its 2,650 banks with $100 million – $1 billion. Among 139 banks headquartered in Nebraska, it ranks 83rd. Loan quality contributes the most (100/100, 0.01%); capital cushion contributes the least (54/100, 10.45%).

TellerScore · Q2 2026

Scorecard

Capital cushion54/100
Tier 1 leverage ratio: 10.45%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.01%
Earnings64/100
Return on assets (annualized): 1.10%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 99.9% · 16.8% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.71%

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 rose 8 points (64 → 72), mostly because the earnings component improved by 18 points.

TellerScore
606672Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202460
Q3 202460
Q4 202464
Q1 202561
Q2 202564
Q3 202567
Q4 202569
Q1 202672
Q2 202672
Tier 1 leverage ratio
5.00%7.72%10.45%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.21%
Q3 20249.40%
Q4 20249.52%
Q1 20259.45%
Q2 20259.69%
Q3 202510.07%
Q4 202510.23%
Q1 202610.28%
Q2 202610.45%
Noncurrent loans
0.01%0.24%0.48%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.48%
Q3 20240.48%
Q4 20240.23%
Q1 20250.38%
Q2 20250.35%
Q3 20250.02%
Q4 20250.01%
Q1 20260.01%
Q2 20260.01%
Return on assets
0.39%0.74%1.10%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.59%
Q3 20240.56%
Q4 20240.66%
Q1 20250.39%
Q2 20250.64%
Q3 20250.56%
Q4 20250.64%
Q1 20260.92%
Q2 20261.10%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202672$523.5M10.45%0.01%1.10%99.9%
Q1 202672$517.2M10.28%0.01%0.92%96.2%
Q4 202569$515.5M10.23%0.01%0.64%98.4%
Q3 202567$504.8M10.07%0.02%0.56%101.0%
Q2 202564$518.5M9.69%0.35%0.64%97.7%
Q1 202561$527.7M9.45%0.38%0.39%94.3%
Q4 202464$507.3M9.52%0.23%0.66%100.9%
Q3 202460$504.7M9.40%0.48%0.56%99.8%
Q2 202460$511.2M9.21%0.48%0.59%99.1%

2,650 peers · $100 million – $1 billion

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).

Capital ratio10.45%
40th
Total risk-based capital14.03%
62nd
Problem loans0.01%
85th
Net charge-offs-0.00%
77th
Return on assets1.10%
40th
Net interest margin3.74%
39th
Efficiency ratio71.1%
28th
Loans to deposits99.9%
10th
Uninsured deposits16.8%
76th
Loan-loss reserves1.30%
63rd
Texas ratio1.7%
61st

Similar-size banks in Nebraska

InstitutionScoreAssetsCapitalProblem loansCompare
Homestead BankBank Cozad, NE91 out of 100, Very strong$537.0M18.6%0.20%vs
Charter West BankBank West Point, NE68 out of 100, Moderate$547.9M9.3%0.26%vs
FirstBank of NebraskaBank Wahoo, NE77 out of 100, Strong$498.1M11.2%0.89%vs
Nebraska BankBank Dodge, NE73 out of 100, Strong$551.6M11.4%0.43%vs
Five Points Bank of HastingsBank Hastings, NE72 out of 100, Strong$551.7M10.9%0.11%vs
Home Federal Savings and Loan Association of Grand IslandBank Grand Island, NE80 out of 100, Strong$562.9M13.4%0.19%vs

Deposit insurance

Is my money safe at Equitable Bank?

Yes. Equitable Bank is an FDIC-insured institution (FDIC certificate #31485). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 16.8% of deposits ($75.2M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.45%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.03% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

Equitable Bank lists 5 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Equitable Bank reported 246 home-loan applications under HMDA (LEI 549300K5SWOZ1F2OHY48): 207 originated ($56,625,000 total), 16 denied, and 21 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.1%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Equitable Bank
Former names
The Equitable Bldg. and Loan Assoc. of Grand Island, Nebraska, A FSB; Equitable Building and Loan Association; The Equitable Building and Loan Association of Grand Island; Equitable Federal SB of Grand Island
Type
State-chartered bank (Fed member)
FDIC certificate #
31485
RSSD ID
81175
Primary regulator
FED
Holding company
Equitable Financial Corp
Established
January 1, 1890
Headquarters
113 N Locust St, Grand Island, NE 68801
Employees
89

Quick answers

Equitable Bank: common questions

Is Equitable Bank FDIC insured?

Yes. Equitable Bank is an FDIC-insured institution (FDIC certificate #31485). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Equitable Bank's TellerScore?

72 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Equitable Bank ever failed?

There is no failure record for FDIC certificate #31485 in the FDIC failed bank list.

How many branches does Equitable Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Grand Island

InstitutionScoreAssetsCapitalProblem loansCompare
Boelus State BankBank Boelus, NE95 out of 100, Very strong$24.4M15.0%0.00%vs
Homestead BankBank Cozad, NE91 out of 100, Very strong$537.0M18.6%0.20%vs
Heritage BankBank Wood River, NE86 out of 100, Very strong$611.6M23.0%1.18%vs
Home Federal Savings and Loan Association of Grand IslandBank Grand Island, NE80 out of 100, Strong$562.9M13.4%0.19%vs
Heartland BankBank Geneva, NE80 out of 100, Strong$911.1M10.3%0.13%vs
Five Points BankBank Grand Island, NE76 out of 100, Strong$2.2B10.3%0.01%vs