Equitable Savings and Loan Association
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Data as of · sourced from FFIEC call reports. How we update
Equitable Savings and Loan Association is an FDIC-insured savings and loan association headquartered in Sterling, CO, established in 1921 (FDIC certificate 30707), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $168.3M, up 5.5% from Q2 2025, the 47th largest of 63 banks headquartered in Colorado. Its CET1 capital ratio was 29.05% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Savings and loan association
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 30707
- Headquarters
- Sterling, CO
- Established
- 1921
- Total assets, Q2 2026
- $168.3M
- Assets vs Q2 2025
- +5.5%
- CET1 ratio, Q2 2026
- 29.05%
- Domestic offices
- 10 FDIC institution directory, current count
- Routing number
- 307087001
- Holding company
- FARMERS REALTY COMPANY, THE
- Asset rank in state
- 47th of 63 in Colorado
Equitable Savings and Loan Association spends more to run itself than most banks of its size. Its balance sheet stood at $168 million at June 30, 2026, up 5.5% from a year earlier; it is based in Sterling, Colorado. It earns about $0.07 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 93 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Loans and deposits moved in opposite directions: over the year loans fell 4.3% and deposits rose 4.1%. Its margin is thin by comparison: it keeps 3.20 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Equitable Savings and Loan Association reported a CET1 capital ratio of 29.05%, a return on assets of 0.07%, a nonperforming-loan ratio of 0.22% and a Texas ratio of 2.05%. The figures come from its call report filed with the FFIEC.
Equitable Savings and Loan Association ranks as the 47th largest of the 63 banks based in Colorado, by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 2.1% to $168.3M, loans fell 2.5% and deposits fell 2.6%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 99.1% of total loans, ahead of construction and land development loans at 0.6%. Its 10 offices in the FDIC Summary of Deposits are in 10 cities in CO; its Sterling office books 23% of its branch deposits. Judged on its Q2 2026 call report, Equitable Savings and Loan Association meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 221 N 3rd St, Sterling, CO 80751
- County
- Logan
- Metro Area
- Sterling, CO
- Charter
- State-chartered stock savings and loan association, FDIC-supervised (pre-2011 OTS)
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- —
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1921
- Domestic offices
- 10 FDIC institution directory, current count
- Employees (FTE)
- 47
- Domestic deposits
- $128.2M
- Allowance for credit losses
- $339K
- Net charge-offs (YTD)
- $0
- Average total assets
- $170.1M
- Average total loans
- $141.6M
- Average interest-bearing deposits
- $115.5M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 30707
- Fed RSSD
- 206473
- Website
- www.equitable-savings.com →
- Parent Holding Company
- FARMERS REALTY COMPANY, THE (RSSD 3835155)
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 Savings and Loan Association's total assets moved between a low of $153.3M (Q1 2024) and a high of $172.0M (Q1 2026) from Q3 2023 to Q2 2026, and it earned a profit in 8 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$168.3M total assets against $159.6M; $142.0M total liabilities against $133.5M.
$140.0M net loans and leases against $146.3M; $128.2M total deposits against $123.1M.
$8.7M securities against $6.4M; $15.5M cash and balances due against $3.0M.
$2.0M total interest income against $1.8M; $646K total interest expense against $528K.
$1.3M net interest income against $1.3M.
$175K total noninterest income against $133K; $1.4M total noninterest expense against $1.5M.
$0 provision for credit losses against $1K.
$28K net income against -$42K.
0.07% return on assets against -0.10%; 3.20% net interest margin against 3.30%.
29.05% CET1 capital ratio against 29.40%; 15.69% tier 1 leverage ratio against 16.36%.
Inside the full Equitable Savings and Loan Association 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 Savings and Loan Association rankings
Its closest position to the top of a national ranking is 94 of 2,134, for CET1 ratio; its furthest is 3,505 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from -0.10% (Q2 2025) to 0.23% (Q3 2025) and its net interest margin ran from 3.20% (Q2 2026) to 3.30% (Q2 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 29.05% | 0.07% | 0.22% | 2.05% | 3.20% |
| Q1 2026 | 29.34% | 0.15% | 0.22% | 2.05% | 3.27% |
| Q4 2025 | 28.60% | 0.16% | 0.22% | 2.06% | 3.23% |
| Q3 2025 | 29.36% | 0.23% | 0.16% | 1.26% | 3.30% |
| Q2 2025 | 29.40% | -0.10% | 0.00% | 0.40% | 3.30% |
| Q1 2025 | 28.80% | -0.06% | 0.09% | 0.47% | 3.27% |
| Q4 2024 | 28.32% | 0.03% | 0.08% | 0.47% | 3.23% |
| Q3 2024 | 29.45% | 0.14% | 0.00% | 0.00% | 3.22% |
Swipe the table sideways to see every column.
Branch Network
View all 10 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 |
|---|---|---|---|
| Equitable Savings and Loan Association (main office) | Sterling , CO | 80751 | $29.3M |
| Fort Morgan Branch | Fort Morgan , CO | 80701 | $17.7M |
| Limon Branch | Limon , CO | 80828 | $17.3M |
| Burlington Branch | Burlington , CO | 80807 | $15.6M |
| Julesburg Branch | Julesburg , CO | 80737 | $13.1M |
| Brush Branch | Brush , CO | 80723 | $11.3M |
| Fort Collins Branch | Fort Collins , CO | 80525 | $7.7M |
| Yuma Branch | Yuma , CO | 80759 | $6.9M |
| Akron Branch | Akron , CO | 80720 | $4.7M |
| Wray Branch | Wray , CO | 80758 | $4.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in CO, rank 88 of 121 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 131 applications, 87 loans originated, $17.7M originated, across 3 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 Equitable Savings and Loan Association
What are Equitable Savings and Loan Association's total assets?
As of the Q2 2026 filing, Equitable Savings and Loan Association reported total assets of $168.3 million in its FFIEC call report.
Where is Equitable Savings and Loan Association headquartered?
It is headquartered in Sterling, CO, United States.
When was Equitable Savings and Loan Association founded?
It was established in 1921, per the FDIC institution directory.
Is Equitable Savings and Loan Association FDIC-insured?
Yes. It is an FDIC-insured savings and loan association (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.
What is Equitable Savings and Loan Association's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 29.05% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Equitable Savings and Loan Association operate?
It operates 10 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Equitable Savings and Loan Association's Texas Ratio?
Its Texas Ratio is 2.05% 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.
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