TellerScore

Equity Bank (FDIC certificate #25858) is based in Andover, Kansas. Its Q2 2026 call report shows $7.7B in total assets and $6.3B in deposits and 82 offices across 5 states.

Based on its Q2 2026 filing, Equity Bank scores 65/100, which we describe as moderate. That is higher than only 36% of 897 banks with $1 billion – $10 billion. Among 185 banks headquartered in Kansas, it ranks 148th. Its strongest component is problem-loan coverage (86/100; 7.0%), and its lowest is capital cushion (56/100; 10.64%).

TellerScore · Q2 2026

Scorecard

Capital cushion56/100
Tier 1 leverage ratio: 10.64%
Loan quality61/100
Noncurrent loans ÷ total loans: 1.18%
Earnings75/100
Return on assets (annualized): 1.37%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 84.4% · 27.1% uninsured
Problem-loan coverage86/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 7.02%

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 (65 → 65).

TellerScore
556370Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202464
Q3 202464
Q4 202468
Q1 202570
Q2 202565
Q3 202555
Q4 202560
Q1 202663
Q2 202665
Tier 1 leverage ratio
5.00%8.07%11.14%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202410.11%
Q3 202410.43%
Q4 202410.93%
Q1 202511.09%
Q2 202511.14%
Q3 202510.27%
Q4 202510.60%
Q1 202610.18%
Q2 202610.64%
Noncurrent loans
0.70%0.95%1.21%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.77%
Q3 20240.88%
Q4 20240.78%
Q1 20250.70%
Q2 20251.20%
Q3 20251.21%
Q4 20251.02%
Q1 20261.02%
Q2 20261.18%
Return on assets
0.28%0.83%1.37%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.14%
Q3 20241.08%
Q4 20241.16%
Q1 20251.23%
Q2 20251.31%
Q3 20250.28%
Q4 20250.55%
Q1 20261.15%
Q2 20261.37%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202665$7.7B10.64%1.18%1.37%84.4%
Q1 202663$7.7B10.18%1.02%1.15%84.8%
Q4 202560$6.3B10.60%1.02%0.55%80.0%
Q3 202555$6.4B10.27%1.21%0.28%81.4%
Q2 202565$5.4B11.14%1.20%1.31%83.1%
Q1 202570$5.4B11.09%0.70%1.23%79.5%
Q4 202468$5.3B10.93%0.78%1.16%77.1%
Q3 202464$5.3B10.43%0.88%1.08%81.1%
Q2 202464$5.2B10.11%0.77%1.14%78.2%

897 peers · $1 billion – $10 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 ratio10.64%
53rd
Total risk-based capital14.22%
57th
Problem loans1.18%
23rd
Net charge-offs0.12%
27th
Return on assets1.37%
61st
Net interest margin4.59%
89th
Efficiency ratio55.9%
60th
Loans to deposits84.4%
57th
Uninsured deposits27.1%
62nd
Loan-loss reserves1.19%
57th
Texas ratio7.0%
26th

Similar-size banks in Kansas

InstitutionScoreAssetsCapitalProblem loansCompare
Intrust Bank, National AssociationBank Wichita, KS73 out of 100, Strong$6.8B10.8%0.60%vs
Capitol Federal Savings BankBank Topeka, KS61 out of 100, Moderate$9.7B9.6%0.62%vs
Security Bank of Kansas CityBank Kansas City, KS85 out of 100, Very strong$3.9B12.8%0.03%vs
Fidelity Bank, National AssociationBank Wichita, KS60 out of 100, Moderate$3.3B10.0%0.75%vs
Emprise BankBank Wichita, KS66 out of 100, Moderate$2.8B7.7%0.37%vs
KS StateBankBank Manhattan, KS64 out of 100, Moderate$2.6B13.0%2.49%vs

Deposit insurance

Is my money safe at Equity Bank?

Yes. Equity Bank is an FDIC-insured institution (FDIC certificate #25858). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.1% of deposits ($1.7B) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.64%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.22% (benchmark: 10%).

Check how much of your own balance is covered

82 locations

Branches

Equity Bank lists 81 offices in 63 cities across 5 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Equity Bank reported 1,682 home-loan applications under HMDA (LEI 549300TJF420N3F01V87): 1,269 originated ($253,215,000 total), 288 denied, and 114 withdrawn or closed by the applicant. Its denial rate on decided applications was 18.4%, 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
Equity Bank
Former names
Equity Bank, A National Association; National Bank of Andover
Type
State-chartered bank (Fed member)
FDIC certificate #
25858
RSSD ID
139656
Primary regulator
FED
Holding company
Equity Bancshares Inc
Established
January 21, 1985
Headquarters
345 N Andover Rd, Andover, KS 67002
Employees
1,025

Quick answers

Equity Bank: common questions

Is Equity Bank FDIC insured?

Yes. Equity Bank is an FDIC-insured institution (FDIC certificate #25858). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Equity Bank's TellerScore?

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

Has Equity Bank ever failed?

There is no failure record for FDIC certificate #25858 in the FDIC failed bank list.

How many branches does Equity Bank have?

82 offices as of the latest FDIC data, in 5 states.

Nearby

Highest-scoring banks and credit unions with branches near Andover

InstitutionScoreAssetsCapitalProblem loansCompare
Ark Valley Credit UnionCredit union Arkansas City, KS94 out of 100, Very strong$57.3M15.2%0.19%vs
Garden Plain State BankBank Wichita, KS88 out of 100, Very strong$191.5M15.2%0.94%vs
The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK83 out of 100, Strong$446.2M13.9%0.45%vs
The Valley State BankBank Belle Plaine, KS78 out of 100, Strong$200.5M12.2%0.09%vs
Vintage Bank KansasBank Leon, KS78 out of 100, Strong$288.6M11.6%0.53%vs
Central National BankBank Junction City, KS78 out of 100, Strong$1.4B11.0%0.01%vs