# EQUITY BANK
ANDOVER, KS · FDIC certificate 25858 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $7.71B | |
| Deposits | $6.33B | |
| Loans and leases | $5.41B | |
| Total equity | $895.8M | |
| Loans / deposits | 84.40% (p43 of band) | 87.10% |
| Liquid assets / assets | 23.10% (p58 of band) | |
| Uninsured deposits / deposits | 27.12% (p38 of band) | 30.76% |
| Brokered deposits | 6.53% | |
| Wholesale funding | 12.20% (p72 of band) | |
| FHLB advances / assets | 5.00% | |
| Tier 1 leverage | 10.64% (p53 of band) | 10.50% |
| Unrealized securities loss / equity | -0.83% (p90 of band) | -7.75% |
| AOCI / equity | -1.21% (p13 of band) | |
| ROA (annualized) | 1.37% (p61 of band) | 1.26% |
| Net interest margin | 4.59% (p89 of band) | 3.70% |
| Efficiency ratio | 55.88% (p40 of band) | |
| Noncurrent loans | 1.18% (p77 of band) | 0.51% |
| Net charge-offs (annualized) | 0.08% (p73 of band) | |
| Reserve coverage of noncurrent | 101.24% | |
| Real estate % of loans | 76% | |
| Construction % of loans | 79.42% (p79 of band) | |
| Auto loans | $25.8M (0.48% of loans; DQ 2.47%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p35 of band) | |
| Deposits YoY | 47.9% | |
| Employees | 1025 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 1 | reserve under noncurrent |  |
| 2011-09 | 0 |  | reserve under noncurrent |
| 2011-12 | 1 | reserve under noncurrent |  |
| 2012-03 | 2 | capital falling |  |
| 2012-06 | 1 |  | capital falling |
| 2012-09 | 2 | wholesale funding >15% |  |
| 2012-12 | 2 | capital falling | wholesale funding >15% |
| 2013-03 | 2 |  |  |
| 2013-06 | 1 |  | capital falling |
| 2013-09 | 1 |  |  |
| 2013-12 | 1 |  |  |
| 2014-03 | 1 |  |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 2 | capital falling |  |
| 2014-12 | 3 | uninsured deposits leaving |  |
| 2015-03 | 3 |  |  |
| 2015-06 | 5 | wholesale funding >15%, charge-offs p90 |  |
| 2015-09 | 5 |  |  |
| 2015-12 | 3 |  | uninsured deposits leaving, wholesale funding >15% |
| 2016-03 | 1 |  | capital falling, charge-offs p90 |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 2 | noncurrent p90 |  |
| 2017-06 | 2 | capital falling | noncurrent p90 |
| 2017-09 | 3 | noncurrent p90 |  |
| 2017-12 | 3 | wholesale funding >15% | capital falling |
| 2018-03 | 2 |  | noncurrent p90 |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | noncurrent p90 |  |
| 2018-12 | 2 | capital falling | wholesale funding >15%, noncurrent p90 |
| 2019-03 | 4 | losing money, noncurrent p90 |  |
| 2019-06 | 3 | charge-offs p90 | capital falling, losing money |
| 2019-09 | 3 |  |  |
| 2019-12 | 3 |  |  |
| 2020-03 | 3 | deposits shrinking | charge-offs p90 |
| 2020-06 | 2 |  | deposits shrinking |
| 2020-09 | 4 | losing money, assets shrinking |  |
| 2020-12 | 2 |  | noncurrent p90, assets shrinking |
| 2021-03 | 2 | noncurrent p90 | losing money |
| 2021-06 | 2 |  |  |
| 2021-09 | 2 |  |  |
| 2021-12 | 1 | charge-offs p90 | reserve under noncurrent, noncurrent p90 |
| 2022-03 | 1 | capital falling | charge-offs p90 |
| 2022-06 | 1 |  |  |
| 2022-09 | 2 | AOCI drag >20% of equity, securities losses >30% of equity | capital falling |
| 2022-12 | 2 |  |  |
| 2023-03 | 0 |  | AOCI drag >20% of equity, securities losses >30% of equity |
| 2023-06 | 0 |  |  |
| 2023-09 | 1 | securities losses >30% of equity |  |
| 2023-12 | 0 |  | securities losses >30% of equity |
| 2024-03 | 1 | capital falling |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | capital falling |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-03 [Kansas’ Equity Bank to expand in Iowa with $123.8M deal - Banking Dive](https://news.google.com/rss/articles/CBMiogFBVV95cUxPWWM2RnRSMHl1Y3lyWlZBNUZYZ3VhclJjYXEzdlZzYVZNSUJNY1VwUWc5d2I4a29WbF92Ukw3aUZVYURWRFhkOEFEek1uWHJYQkNiNXY5cUwyc1RjSmRyUFg2TEVIa0ZLZHBrVmNGazJaeXowenlKMC15Z0V2VVZhZHd5N2ZjbGU1dV9fVzJPNkhtWlRjTEtyaWpQWUVtek12Vnc?oc=5) · Banking Dive
- 2026-09-06 [Equity Bank to merge with Lincoln Savings Bank in Iowa - KCCI](https://news.google.com/rss/articles/CBMilwFBVV95cUxPVldjZVdyNEVpLWpEaVk4N1NDLUZJcEFudHBRRkl2TTlaLW95YTRldUtxRlBIYjRsQldteVg0a3B4NllpaGhqakhtaHFnSFhWcl9KRlg2QmdIUkRwMDN0aUdvUmprQnVBY3J0N0p3WDNsdlZWeVlHRXFJRm11Y2c5MXhrMFBVRjRfeXJvTXFrYk93dVp4cUhr?oc=5) · KCCI
- 2026-09-03 [Lincoln Savings Bank to merge with Kansas-based Equity Bank - kcrg.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxPQU5BVHk3b0RydWZITGFhV1RGcFhDLWtoVHZDMElGWmJzMkxBUXE1R3BVLXY2b0hMTXdaYWZZWWNIQWlsVW5oZUdJRXR5Sl9EQmQ1bDBaWVlmUkZkY3Q3aUZaWllKY09SMTRzQUF2eldETGJ0cEhTT3Q5aGZpbDJUUG50UDF3dFZKUm9VV2tDTFhoVFE?oc=5) · kcrg.com
- 2026-09-08 [What to know about Lincoln Savings Bank merging with Wichita, Kansas-based Equity Bank - Waterloo-Cedar Falls Courier](https://news.google.com/rss/articles/CBMilwFBVV95cUxQa1ZUUjlqX0FCZnhhQU9mTW5XUUFFbzRvY0pFbkctUS1kc1owdnVKS3NCMTFjTkE0dGlWY1lJdGZXNHVsX2dQd0tHOXBha2tzMkpsMGk2d0NIcHUySXVaalF0QW1ZRHB6WXAzQUZtU2FYejBRbG5tRms2ZFY2cmRtcTduSnhzalFtdlJZUEV6dloxbTZGazBB?oc=5) · Waterloo-Cedar Falls Courier
- 2026-08-13 [Equity Bank buys North End site to build first new Wichita branch in eight years - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxNaF91bjNKMzJUcFdxcmRUOXFEclI2U3ktVGV1OHVnR0xkOWxIQXU2MlQzbVJXZ0M5LUpaRFExazBWd1d4X2g4dEpqazZXQTFVWDROcWZubnpiQmd3Rmc5b0pJZ240dzhobkdZMmxENUx1QTNiU24yeGlwUDBhTHlCNGsxa2FqMnlsS0NGN1F6SXQtVUZad0hWUWl1OEhwRkxKYkpEUTJXYw?oc=5) · The Business Journals
- 2026-08-19 [KAKE Me Out to the Ballgame underway at Equity Bank Park | Video | kake.com - kake.com](https://news.google.com/rss/articles/CBMi0gFBVV95cUxQWF82MFVJWmxDUGpCTGZUZ0ExYlpRZFZCZFhCeFJfeEdfeXY4VWpuSlkyLXMzcERFU2JvcnBZdHk5Z2ZLSUViOGphOGlYX3JEVHJUOThGS1Nmcy1RNTFtLXQxbXhPRkw4eExjaXBtckNfRXVMcXUzclZ5UVRrRnI5WVhxNDhQNWJId0dLX2hJZWZDWGE3bFloWFAzTVVyUTJfNUVrSURVSmQ4dkxRTWVsVFhmWS1KdVRvUDA2VVlTb25LUjRUNUFUZVVkaXVUc21KV1E?oc=5) · kake.com
- 2026-04-21 [Great Bend Chamber celebrates Equity Bank grand opening with ribbon cutting - Great Bend Post](https://news.google.com/rss/articles/CBMid0FVX3lxTE84TTN4TW42cFN1dEtIRklPUzZ4VmxCR2FJZm82aHI0NEJMSmxVOFJZR2JybFZvUF80b2QyT0Izc3NCVUNFQ3FGRFk0bTlxdDBvSFRpQktqQURPNDFwUzVqNmNaMjV1MnNBNVA1NHVqckFVRExkbi1n?oc=5) · Great Bend Post
- 2026-03-27 [Bank of Kirksville disappears, now called Equity Bank - ktvo.com](https://news.google.com/rss/articles/CBMizwFBVV95cUxNclZpV2xBeW1fMW5pTkY5c0I2YThpRHV3ZEpBT00ySHZVeTVXeU43MHpvUk1rNHVna1ZCbVBWQ1NvcmQ2SGdpNFVvbGFtMU50WkpTOGZ3MFZaQmEtS1V2R1ltd3RYaTNiWnJTeHZmM1hVZW84cm0yeTB5RVd1a205YmdscEtwWkdFYnVFYlJSSkktY0t0YTlzTHVCVEszNW1sZ3prWEF1RFc4YW5UQW1BeUNCVDFfWDBycXB6WE9uZV9JWElSenVkcEtLX1ktLWc?oc=5) · ktvo.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=25858 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/2.json (key "25858", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide