The Equitable Bank, S.S.B.
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Data as of · sourced from FFIEC call reports. How we update
The Equitable Bank, S.S.B. is an FDIC-insured savings bank headquartered in Wauwatosa, WI, established in 1927 (FDIC certificate 28614), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $327.1M, up 0.7% from Q2 2025, the 93rd largest of 153 banks headquartered in Wisconsin. It reports no CET1 ratio; its Tier 1 leverage ratio was 9.70% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Savings bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 28614
- Headquarters
- Wauwatosa, WI
- Established
- 1927
- Total assets, Q2 2026
- $327.1M
- Assets vs Q2 2025
- +0.7%
- Tier 1 leverage ratio, Q2 2026
- 9.70%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 275071259
- Latest call report
- Q2 2026, FFIEC 051 · The Equitable Bank, S.S.B. call report
- Holding company
- TEB BANCORP, INC.
- Asset rank in state
- 93rd of 153 in Wisconsin
The Equitable Bank, S.S.B. spends more to run itself than most banks of its size. Based in Wauwatosa, Wisconsin, it had $327 million in assets at June 30, 2026. It earns about $0.17 a year on every $100 of assets, a small fraction of the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. It also spends about 96 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Concentration is the risk to watch: it holds commercial real estate loans worth 4.0 times its capital, about triple the median of 1.2 times for banks its size.
As of June 30, 2026, The Equitable Bank, S.S.B. reported a return on assets of 0.17%, a nonperforming-loan ratio of 0.05% and a Texas ratio of 0.43%. The figures come from its call report filed with the FFIEC.
The Equitable Bank, S.S.B. ranks as the 93rd largest of the 153 banks based in Wisconsin, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.1% to $327.1M, loans fell 0.4% and deposits fell 2.4%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 50.7% of total loans, followed by multifamily loans at 38.5%. Its 6 offices in the FDIC Summary of Deposits are in 6 cities in WI; its Wauwatosa office books 27% of its branch deposits. On its Q2 2026 call report, The Equitable Bank, S.S.B. meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 2290 N Mayfair Rd, Wauwatosa, WI 53226
- County
- Milwaukee
- Metro Area
- Milwaukee-Waukesha, WI
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1927
- Former names
- The Equitable Bank, S.S.B. (1993)
- Domestic offices
- 6 FDIC institution directory, current count
- Employees (FTE)
- 78
- Domestic deposits
- $289.1M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $0
- Average total assets
- $325.3M
- Average total loans
- $283.8M
- Average interest-bearing deposits
- $252.7M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28614
- Fed RSSD
- 336576
- SEC CIK
- 1774722 → filed by TEB MHC
- Website
- equitablebank.net →
- Parent Holding Company
- TEB BANCORP, INC. (RSSD 5301551)
- Ultimate Parent
- TEB MHC (RSSD 5301533)
Profitability
Q2 annualizedBalance 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. As a community bank leverage ratio filer, The Equitable Bank, S.S.B. reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, The Equitable Bank, S.S.B.'s total assets ran between $317.4M (Q1 2025) and $347.7M (Q3 2023), and it earned a profit in 4 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$327.1M total assets against $324.9M; $296.5M total liabilities against $297.0M.
$283.9M net loans and leases against $281.5M; $289.1M total deposits against $291.4M.
$22.6M securities against $25.0M; $5.6M cash and balances due against $4.9M.
$3.8M total interest income against $3.7M; $1.3M total interest expense against $1.4M.
$2.5M net interest income against $2.2M.
$696K total noninterest income against $533K; $3.1M total noninterest expense against $2.9M.
$0 provision for credit losses against $0.
$137K net income against -$121K.
0.17% return on assets against -0.15%; 3.21% net interest margin against 2.86%.
9.70% tier 1 leverage ratio against 9.67%.
Inside the full The Equitable Bank, S.S.B. 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.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
The Equitable Bank, S.S.B. rankings
Its closest position to the top of a national ranking is 2,339 of 4,196, for total assets; its furthest is 3,532 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -0.75% (Q1 2025) to 0.44% (Q1 2026) and its net interest margin ran from 2.34% (Q3 2024) to 3.21% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.70% | 0.17% | 0.05% | 0.43% | 3.21% |
| Q1 2026 | 9.51% | 0.44% | 0.10% | 0.94% | 2.95% |
| Q4 2025 | 9.36% | 0.31% | 0.09% | 0.80% | 3.06% |
| Q3 2025 | 9.49% | 0.02% | 0.33% | 3.04% | 2.88% |
| Q2 2025 | 9.67% | -0.15% | 0.14% | 1.71% | 2.86% |
| Q1 2025 | 9.68% | -0.75% | 0.25% | 2.29% | 2.49% |
| Q4 2024 | 9.56% | -0.34% | 0.16% | 1.48% | 2.51% |
| Q3 2024 | 9.56% | -0.32% | 0.11% | 1.05% | 2.34% |
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 |
|---|---|---|---|
| The Equitable Bank, S.S.B. | Wauwatosa , WI | 53226 | $77.3M |
| West Allis Branch | West Allis , WI | 53219 | $61.3M |
| Hales Corners Branch | Hales Corners , WI | 53130 | $53.9M |
| Waterford Branch | Waterford , WI | 53185 | $39.9M |
| Delafield Branch | Delafield , WI | 53018 | $35.2M |
| Whitefish Bay Branch | Whitefish Bay , WI | 53217 | $21.5M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| October 1, 1991 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1991 | Structure Change | Acquired Horizon Savings Bank, S.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 31, 1982 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 1, 1982 | Structure Change | Acquired Heritage Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in WI, rank 96 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 461 applications, 250 loans originated, $105.5M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Not on file
- Enforcement actions, SBA 7(a) lending, 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 The Equitable Bank, S.S.B.
What are The Equitable Bank, S.S.B.'s total assets?
As of the Q2 2026 filing, The Equitable Bank, S.S.B. reported total assets of $327.1 million in its FFIEC call report.
Where is The Equitable Bank, S.S.B. headquartered?
It is headquartered in Wauwatosa, WI, United States.
When was The Equitable Bank, S.S.B. founded?
It was established in 1927, per the FDIC institution directory.
Is The Equitable Bank, S.S.B. FDIC-insured?
Yes. It is an FDIC-insured savings bank (FDIC Certificate #28614). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Equitable Bank, S.S.B.?
The Equitable Bank, S.S.B.'s primary federal regulator is the FDIC.
How many branches does The Equitable Bank, S.S.B. 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 The Equitable Bank, S.S.B.'s Texas Ratio?
Its Texas Ratio is 0.43% 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 The Equitable Bank, S.S.B. previously called?
The charter now named The Equitable Bank, S.S.B. has also operated as The Equitable Bank, S.S.B. (1993), per FDIC structure-change records.
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