Equitable Bank
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Data as of · sourced from FFIEC call reports. How we update
Equitable Bank is an FDIC-insured commercial bank headquartered in Grand Island, NE, established in 1890 (FDIC certificate 31485), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $523.5M, up 1.0% from Q2 2025, the 43rd largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 12.77% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 31485
- Headquarters
- Grand Island, NE
- Established
- 1890
- Total assets, Q2 2026
- $523.5M
- Assets vs Q2 2025
- +1.0%
- CET1 ratio, Q2 2026
- 12.77%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 304971932
- Holding company
- EQUITABLE FINANCIAL CORP.
- Asset rank in state
- 43rd of 138 in Nebraska
Equitable Bank, based in Grand Island, Nebraska, reported $524 million in assets at June 30, 2026. It lost 1.4% of its deposits over the year, lower than about three-quarters of the 2,660 banks with $100 million to $1 billion in assets (median 4.0%). It also holds common equity equal to 12.77% of its risk-weighted assets, lower than about three-quarters of banks its size (median 15.12%).
Earnings jumped: net income for the quarter was $1.7 million, 45% above the same quarter a year earlier. Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.01% of loans from 0.35%. Funding is the softer spot: it pays an average of 2.21% on its deposits and borrowings, higher than about three-quarters of banks its size (median 1.80%).
As of June 30, 2026, Equitable Bank reported a CET1 capital ratio of 12.77%, a return on assets of 1.27%, a nonperforming-loan ratio of 0.01% and a Texas ratio of 1.73%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Equitable Bank is the 43rd largest of the 138 banks headquartered in Nebraska. Between Q1 2026 and Q2 2026, its total assets rose 1.2% to $523.5M, loans rose 2.7% and deposits fell 1.1%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 33.1% of total loans, followed by non-owner-occupied commercial real estate loans at 16.2%. The FDIC Summary of Deposits lists 6 offices for it, in Grand Island, NE, North Platte, NE and Omaha, NE; its Grand Island 3 offices book 44% of its branch deposits. Judged on its Q2 2026 call report, Equitable Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 113 N Locust St, Grand Island, NE 68801
- County
- Hall
- Metro Area
- Grand Island, NE
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1890
- Former names
- Equitable Federal SB of Grand Island (2001-2005); The Equitable Bldg. and Loan Assoc. of Grand Island, Nebraska, A FSB (1992-2001); The Equitable Building and Loan Association of Grand Island (1988-1992)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 89
- Domestic deposits
- $448.5M
- Allowance for credit losses
- $5.9M
- Net charge-offs (YTD)
- -$2K
- Average total assets
- $520.0M
- Average total loans
- $448.2M
- Average interest-bearing deposits
- $449.9M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 31485
- Fed RSSD
- 81175
- Website
- www.equitableonline.com →
- Parent Holding Company
- EQUITABLE FINANCIAL CORP. (RSSD 4841041)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Equitable Bank's total assets moved between a low of $492.8M (Q3 2023) and a high of $527.7M (Q1 2025) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$523.5M total assets against $518.5M; $468.6M total liabilities against $467.1M.
$448.2M net loans and leases against $444.3M; $448.5M total deposits against $455.0M.
$37.2M securities against $42.0M; $9.9M cash and balances due against $9.7M.
$7.5M total interest income against $7.3M; $2.9M total interest expense against $3.2M.
$4.7M net interest income against $4.1M.
$1.6M total noninterest income against $1.3M; $4.3M total noninterest expense against $4.1M.
-$115K provision for credit losses against $28K.
$1.7M net income against $1.1M.
1.27% return on assets against 0.87%; 3.79% net interest margin against 3.26%.
12.77% CET1 capital ratio against 12.17%; 10.45% tier 1 leverage ratio against 9.69%.
Inside the full Equitable Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Equitable Bank rankings
Its closest position to the top of a national ranking is 1,726 of 4,196, for total assets; its furthest is 2,578 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.40% (Q1 2025) to 1.27% (Q2 2026) and its net interest margin ran from 3.00% (Q3 2024) to 3.79% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.77% | 1.27% | 0.01% | 1.73% | 3.79% |
| Q1 2026 | 12.95% | 0.91% | 0.01% | 1.77% | 3.56% |
| Q4 2025 | 12.57% | 0.88% | 0.01% | 1.77% | 3.55% |
| Q3 2025 | 12.52% | 0.41% | 0.02% | 1.93% | 3.46% |
| Q2 2025 | 12.17% | 0.87% | 0.35% | 2.82% | 3.26% |
| Q1 2025 | 11.92% | 0.40% | 0.38% | 3.05% | 3.20% |
| Q4 2024 | 11.59% | 0.95% | 0.23% | 1.93% | 3.23% |
| Q3 2024 | 11.51% | 0.50% | 0.48% | 6.77% | 3.00% |
Swipe the table sideways to see every column.
Branch Network
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| South Jeffers Branch | North Platte , NE | 69101 | $150.8M |
| Equitable Bank (main office) | Grand Island , NE | 68801 | $98.9M |
| 619 North Diers Avenue Branch | Grand Island , NE | 68803 | $98.9M |
| West Dodge Road Branch | Omaha , NE | 68154 | $77.1M |
| Elkhorn Branch | Omaha , NE | 68130 | $22.8M |
| Locust St Branch | Grand Island , NE | 68801 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 2 against the institution (Federal Reserve, OCC)
- May 27, 2014, OCC: Civil Money Penalty (CMP): Equitable Bank
- February 23, 1995, Federal Reserve: Written Agreement: Equitable Bank, North Miami Beach, FL
- Period: Most recent institution action May 27, 2014. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in NE, rank 44 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 246 applications, 207 loans originated, $56.6M originated, across 5 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 4 loans, $1.6M approved, $403K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2023 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Equitable Bank
What are Equitable Bank's total assets?
As of the Q2 2026 filing, Equitable Bank reported total assets of $523.5 million in its FFIEC call report.
Where is Equitable Bank headquartered?
It is headquartered in Grand Island, NE, United States.
When was Equitable Bank founded?
It was established in 1890, per the FDIC institution directory.
Is Equitable Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #31485). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Equitable Bank?
Equitable Bank's primary federal regulator is the Federal Reserve.
What is Equitable Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.77% in its Q2 2026 call report, above regulatory requirements.
How many branches does Equitable Bank operate?
It operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Equitable Bank's Texas Ratio?
Its Texas Ratio is 1.73% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
What was Equitable Bank previously called?
The charter now named Equitable Bank has also operated as Equitable Federal SB of Grand Island (2001-2005), The Equitable Bldg. and Loan Assoc. of Grand Island, Nebraska, A FSB (1992-2001), The Equitable Building and Loan Association of Grand Island (1988-1992), per FDIC structure-change records.
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