TellerScore

Headquartered in Sterling, Colorado, Equitable Savings and Loan Association is a savings association with $168.3M in total assets and $128.2M in deposits as of Q2 2026. It operates 10 offices. Its charter dates back to 1921.

Equitable Savings and Loan Association has a TellerScore of 75 out of 100 (strong) based on Q2 2026 data — higher than 61% of its 2,650 banks with $100 million – $1 billion. Among 63 banks headquartered in Colorado, it ranks 30th. Capital cushion contributes the most (100/100, 15.69%); earnings contributes the least (24/100, 0.11%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 15.69%
Loan quality93/100
Noncurrent loans ÷ total loans: 0.22%
Earnings24/100
Return on assets (annualized): 0.11%
Funding & liquidity51/100
Loans ÷ deposits and uninsured-deposit share: 109.2% · 9.7% uninsured
Problem-loan coverage96/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 2.05%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (76 → 75).

TellerScore
757676Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202475
Q3 202476
Q4 202475
Q1 202575
Q2 202576
Q3 202575
Q4 202575
Q1 202676
Q2 202675
Tier 1 leverage ratio
5.00%10.84%16.68%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.68%
Q3 202415.99%
Q4 202415.79%
Q1 202515.95%
Q2 202516.36%
Q3 202516.17%
Q4 202515.74%
Q1 202615.59%
Q2 202615.69%
Noncurrent loans
0.00%0.11%0.22%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.08%
Q1 20250.09%
Q2 20250.00%
Q3 20250.16%
Q4 20250.22%
Q1 20260.22%
Q2 20260.22%
Return on assets
-0.15%-0.00%0.14%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.15%
Q3 2024-0.05%
Q4 2024-0.03%
Q1 2025-0.06%
Q2 2025-0.08%
Q3 20250.02%
Q4 20250.06%
Q1 20260.14%
Q2 20260.11%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202675$168.3M15.69%0.22%0.11%109.2%
Q1 202676$172.0M15.59%0.22%0.14%109.0%
Q4 202575$170.3M15.74%0.22%0.06%111.7%
Q3 202575$166.6M16.17%0.16%0.02%114.6%
Q2 202576$159.6M16.36%0.00%-0.08%118.8%
Q1 202575$161.2M15.95%0.09%-0.06%116.2%
Q4 202475$161.7M15.79%0.08%-0.03%118.0%
Q3 202476$161.0M15.99%0.00%-0.05%117.1%
Q2 202475$156.5M16.68%0.00%-0.15%116.4%

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 ratio15.69%
90th
Total risk-based capital29.42%
96th
Problem loans0.22%
63rd
Net charge-offs0.00%
68th
Return on assets0.11%
4th
Net interest margin3.28%
19th
Efficiency ratio93.6%
4th
Loans to deposits109.2%
3rd
Uninsured deposits9.7%
94th
Loan-loss reserves0.24%
1st
Texas ratio2.1%
57th

Similar-size banks in Colorado

InstitutionScoreAssetsCapitalProblem loansCompare
Bank of Estes ParkBank Estes Park, CO76 out of 100, Strong$171.9M10.8%0.00%vs
Park State Bank & TrustBank Woodland Park, CO77 out of 100, Strong$162.3M11.3%0.05%vs
First National Bank, CortezBank Cortez, CO53 out of 100, Below average$156.9M10.0%1.92%vs
Del Norte BankBank Del Norte, CO74 out of 100, Strong$155.3M10.7%0.04%vs
Fowler State BankBank Fowler, CO60 out of 100, Moderate$154.5M13.2%3.46%vs
Evergreen National BankBank Evergreen, CO84 out of 100, Strong$139.9M13.5%0.09%vs

Deposit insurance

Is my money safe at Equitable Savings and Loan Association?

Yes. Equitable Savings and Loan Association is an FDIC-insured institution (FDIC certificate #30707). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 9.7% of deposits ($12.5M) 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 15.69%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 29.42% (benchmark: 10%).

Check how much of your own balance is covered

10 locations

Branches

Equitable Savings and Loan Association lists 10 offices in 10 cities. Most locations:

  • Akron, CO (1)
  • Brush, CO (1)
  • Burlington, CO (1)
  • Fort Collins, CO (1)
  • Fort Morgan, CO (1)
  • Julesburg, CO (1)
  • Limon, CO (1)
  • Sterling, CO (1)
  • Wray, CO (1)
  • Yuma, CO (1)

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Equitable Savings and Loan Association reported 127 home-loan applications under HMDA (LEI 549300KLGM1W030VUP23): 87 originated ($17,665,000 total), 23 denied, and 17 withdrawn or closed by the applicant. Its denial rate on decided applications was 20.9%, 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 Savings and Loan Association
Type
Savings association
FDIC certificate #
30707
RSSD ID
206473
Primary regulator
FDIC
Holding company
Farmers Realty Co the
Established
January 1, 1921
Headquarters
221 N 3rd St, Sterling, CO 80751
Employees
47

Quick answers

Equitable Savings and Loan Association: common questions

Is Equitable Savings and Loan Association FDIC insured?

Yes. Equitable Savings and Loan Association is an FDIC-insured institution (FDIC certificate #30707). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Equitable Savings and Loan Association's TellerScore?

75 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 Savings and Loan Association ever failed?

There is no failure record for FDIC certificate #30707 in the FDIC failed bank list.

How many branches does Equitable Savings and Loan Association have?

10 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Sterling

InstitutionScoreAssetsCapitalProblem loansCompare
Sterling Federal Credit UnionCredit union Sterling, CO95 out of 100, Very strong$246.9M17.1%0.00%vs
Bank of ColoradoBank Fort Collins, CO74 out of 100, Strong$7.6B10.5%0.10%vs
First FarmBankBank Greeley, CO72 out of 100, Strong$384.4M12.3%0.88%vs
The First National Bank of FlemingBank Fleming, CO69 out of 100, Moderate$30.7M13.3%1.12%vs
BMO Bank National AssociationBank Chicago, IL58 out of 100, Moderate$255.0B11.3%0.92%vs
Wells Fargo Bank, National AssociationBank Sioux Falls, SD58 out of 100, Moderate$1.9T8.0%1.04%vs