TellerScore

Headquartered in Wauwatosa, Wisconsin, The Equitable Bank, S.S.B. is a si with $327.1M in total assets and $289.1M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1927.

The Equitable Bank, S.S.B. has a TellerScore of 64 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,650 banks with $100 million – $1 billion. Among 154 banks headquartered in Wisconsin, it ranks 120th. Problem-loan coverage contributes the most (99/100, 0.4%); earnings contributes the least (32/100, 0.31%).

TellerScore · Q2 2026

Scorecard

Capital cushion47/100
Tier 1 leverage ratio: 9.70%
Loan quality98/100
Noncurrent loans ÷ total loans: 0.05%
Earnings32/100
Return on assets (annualized): 0.31%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 98.2% · 10.8% uninsured
Problem-loan coverage99/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.43%

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 6 points (58 → 64), mostly because the earnings component improved by 30 points.

TellerScore
566165Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202458
Q3 202457
Q4 202457
Q1 202556
Q2 202558
Q3 202556
Q4 202559
Q1 202665
Q2 202664
Tier 1 leverage ratio
5.00%7.35%9.70%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.65%
Q3 20249.56%
Q4 20249.56%
Q1 20259.68%
Q2 20259.67%
Q3 20259.49%
Q4 20259.36%
Q1 20269.51%
Q2 20269.70%
Noncurrent loans
0.05%0.19%0.33%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.06%
Q3 20240.11%
Q4 20240.16%
Q1 20250.25%
Q2 20250.14%
Q3 20250.33%
Q4 20250.09%
Q1 20260.10%
Q2 20260.05%
Return on assets
-0.75%-0.15%0.45%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 2024-0.72%
Q3 2024-0.59%
Q4 2024-0.53%
Q1 2025-0.75%
Q2 2025-0.45%
Q3 2025-0.29%
Q4 2025-0.14%
Q1 20260.45%
Q2 20260.31%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202664$327.1M9.70%0.05%0.31%98.2%
Q1 202665$326.9M9.51%0.10%0.45%96.3%
Q4 202559$331.9M9.36%0.09%-0.14%100.5%
Q3 202556$326.6M9.49%0.33%-0.29%99.8%
Q2 202558$324.9M9.67%0.14%-0.45%96.6%
Q1 202556$317.4M9.68%0.25%-0.75%97.9%
Q4 202457$320.3M9.56%0.16%-0.53%95.1%
Q3 202457$334.1M9.56%0.11%-0.59%96.9%
Q2 202458$337.1M9.65%0.06%-0.72%94.6%

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 ratio9.70%
25th
Total risk-based capital0.00%
24th
Problem loans0.05%
79th
Net charge-offs0.00%
68th
Return on assets0.31%
8th
Net interest margin3.13%
14th
Efficiency ratio99.9%
2nd
Loans to deposits98.2%
12th
Uninsured deposits10.8%
92nd
Loan-loss reserves0.74%
9th
Texas ratio0.4%
78th

Similar-size banks in Wisconsin

InstitutionScoreAssetsCapitalProblem loansCompare
State Bank of NewburgBank Newburg, WI93 out of 100, Very strong$328.1M17.3%0.00%vs
The First National Bank of River FallsBank River Falls, WI75 out of 100, Strong$325.3M10.1%0.38%vs
Northern State BankBank Ashland, WI78 out of 100, Strong$330.8M9.9%0.22%vs
Clare Bank, National AssociationBank Platteville, WI72 out of 100, Strong$332.5M11.6%0.85%vs
Bay BankBank Green Bay, WI59 out of 100, Moderate$315.7M11.2%2.03%vs
Bank of AlmaBank Alma, WI83 out of 100, Strong$339.5M50.8%0.97%vs

Deposit insurance

Is my money safe at The Equitable Bank, S.S.B.?

Yes. The Equitable Bank, S.S.B. is an FDIC-insured institution (FDIC certificate #28614). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 10.8% of deposits ($31.2M) 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 9.70%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

The Equitable Bank, S.S.B. lists 6 offices in 6 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, The Equitable Bank, S.S.B. reported 329 home-loan applications under HMDA (LEI 549300N24HTC7KQ3LC70): 250 originated ($105,550,000 total), 23 denied, and 28 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.6%, 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
The Equitable Bank, S.S.B.
Former names
Equitable Savings and Loan Association; The Equitable Bank, SSB
Type
SI
FDIC certificate #
28614
RSSD ID
336576
Primary regulator
FDIC
Holding company
Teb Mhc
Established
January 1, 1927
Headquarters
2290 N Mayfair Rd, Wauwatosa, WI 53226
Employees
78

Quick answers

The Equitable Bank, S.S.B.: common questions

Is The Equitable Bank, S.S.B. FDIC insured?

Yes. The Equitable Bank, S.S.B. is an FDIC-insured institution (FDIC certificate #28614). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is The Equitable Bank, S.S.B.'s TellerScore?

64 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 The Equitable Bank, S.S.B. ever failed?

There is no failure record for FDIC certificate #28614 in the FDIC failed bank list.

How many branches does The Equitable Bank, S.S.B. have?

6 offices as of the latest FDIC data.

Nearby

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