Equitable Savings and Loan Association
Equitable Savings and Loan Association is the primary bank subsidiary of its parent holding company, headquartered in Sterling, CO. Equitable Savings and Loan Association's Q1 2026 balance sheet shows $172M in assets funded primarily by $132M in customer deposits. Profitability runs below industry average — 0.15% ROA, 0.94% ROE, with NIM at 3.27%. Capital is comfortably above regulatory minimums — CET1 ratio of 29.34% sits well above the 7% well-capitalized threshold. Asset quality is pristine — 0.00% NPLs and a 2.05% Texas Ratio. It operates 10 branches, primarily in Colorado.
Headquarters Profile
- Address
- 221 N 3rd St, STERLING, CO 80751
- County
- Logan
- Metro Area
- FORT MORGAN, CO
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- Fed District
- 13
- Established
- January 1, 1921
- Branches
- 10 domestic
- Employees (FTE)
- 48
- FDIC Cert
- 30707
- Fed RSSD
- 206473
- Website
- www.equitable-savings.com →
- Parent Holding Company
- FARMERS REALTY COMPANY, THE (RSSD 3835155)
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Loans outstanding exceed total deposits — the bank is funding the gap with wholesale sources (FHLB advances, brokered deposits, repo) that are more rate-sensitive and can dry up in a stress scenario.
Equitable Savings and Loan Association rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
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Frequently asked about Equitable Savings and Loan Association
What are Equitable Savings and Loan Association's total assets?
As of the Q1 2026 filing, Equitable Savings and Loan Association reported total assets of $172.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Equitable Savings and Loan Association headquartered?
Equitable Savings and Loan Association is headquartered in STERLING, CO, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Equitable Savings and Loan Association founded?
Equitable Savings and Loan Association was established in 1921, per the FDIC institution directory.
Is Equitable Savings and Loan Association FDIC-insured?
Yes. Equitable Savings and Loan Association is an FDIC-insured commercial bank (FDIC Certificate #30707). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Equitable Savings and Loan Association?
Equitable Savings and Loan Association's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Equitable Savings and Loan Association's CET1 capital ratio?
Equitable Savings and Loan Association reported a Common Equity Tier 1 (CET1) capital ratio of 29.34% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Equitable Savings and Loan Association operate?
Equitable Savings and Loan Association operates 10 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Equitable Savings and Loan Association's Texas Ratio?
Equitable Savings and Loan Association's Texas Ratio is 2.05% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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