# EQUITABLE BANK SSB
WAUWATOSA, WI · FDIC certificate 28614 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 2 (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 | $327.1M | |
| Deposits | $289.1M | |
| Loans and leases | $286.0M | |
| Total equity | $30.6M | |
| Loans / deposits | 98.20% (p86 of band) | 82.04% |
| Liquid assets / assets | 8.64% (p3 of band) | |
| Uninsured deposits / deposits | 10.80% (p5 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 1.77% (p40 of band) | |
| FHLB advances / assets | 1.77% | |
| Tier 1 leverage | 9.70% (p27 of band) | 10.81% |
| Unrealized securities loss / equity | -9.41% (p45 of band) | -8.10% |
| AOCI / equity | 4.22% (p99 of band) | |
| ROA (annualized) | 0.31% (p7 of band) | 1.28% |
| Net interest margin | 3.13% (p13 of band) | 3.91% |
| Efficiency ratio | 99.90% (p98 of band) | |
| Noncurrent loans | 0.05% (p18 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | 1507.14% | |
| Real estate % of loans | 99% | |
| Construction % of loans | 16.82% (p21 of band) | |
| Auto loans | $9,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -0.8% | |
| Employees | 78 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)
- **expense ratio p90** (`earn_efficiency`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | liquid assets <10%, losing money, expense ratio p90, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 9 | leverage <7%, capital falling, noncurrent p90, charge-offs p90, construction >100% equity |  |
| 2011-12 | 7 |  | capital falling, charge-offs p90 |
| 2012-03 | 5 | deposits shrinking, assets shrinking | liquid assets <10%, losing money, noncurrent p90, construction >100% equity |
| 2012-06 | 5 | liquid assets <10% | expense ratio p90 |
| 2012-09 | 4 |  | leverage <7% |
| 2012-12 | 5 | noncurrent p90 |  |
| 2013-03 | 6 | expense ratio p90, charge-offs p90 | noncurrent p90 |
| 2013-06 | 6 | losing money | liquid assets <10% |
| 2013-09 | 7 | leverage <7% |  |
| 2013-12 | 7 | liquid assets <10% | leverage <7% |
| 2014-03 | 6 |  | charge-offs p90 |
| 2014-06 | 8 | leverage <7%, charge-offs p90 |  |
| 2014-09 | 9 | capital falling, construction >100% equity | assets shrinking |
| 2014-12 | 9 | assets shrinking | deposits shrinking |
| 2015-03 | 6 |  | losing money, capital falling, construction >100% equity |
| 2015-06 | 7 | deposits shrinking |  |
| 2015-09 | 8 | losing money |  |
| 2015-12 | 6 | capital falling | reserve under noncurrent, assets shrinking, deposits shrinking |
| 2016-03 | 3 |  | liquid assets <10%, losing money, capital falling |
| 2016-06 | 3 | liquid assets <10% | charge-offs p90 |
| 2016-09 | 6 | losing money, noncurrent p90, reserve under noncurrent |  |
| 2016-12 | 6 |  |  |
| 2017-03 | 6 | charge-offs p90 | noncurrent p90 |
| 2017-06 | 5 |  | reserve under noncurrent |
| 2017-09 | 5 | deposits shrinking | losing money |
| 2017-12 | 6 | uninsured deposits leaving |  |
| 2018-03 | 9 | loans exceed deposits, capital falling, losing money |  |
| 2018-06 | 9 | reserve under noncurrent | capital falling |
| 2018-09 | 7 |  | uninsured deposits leaving, reserve under noncurrent |
| 2018-12 | 9 | wholesale funding >15%, reserve under noncurrent |  |
| 2019-03 | 6 |  | charge-offs p90, deposits shrinking, wholesale funding >15% |
| 2019-06 | 5 |  | leverage <7% |
| 2019-09 | 3 |  | losing money, reserve under noncurrent |
| 2019-12 | 3 |  |  |
| 2020-03 | 4 | uninsured deposits leaving |  |
| 2020-06 | 1 |  | liquid assets <10%, loans exceed deposits, uninsured deposits leaving |
| 2020-09 | 1 |  |  |
| 2020-12 | 0 |  | expense ratio p90 |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | expense ratio p90 |  |
| 2022-06 | 2 | losing money |  |
| 2022-09 | 2 | capital falling | losing money |
| 2022-12 | 3 | AOCI drag >20% of equity |  |
| 2023-03 | 3 | losing money | AOCI drag >20% of equity |
| 2023-06 | 3 |  |  |
| 2023-09 | 3 |  |  |
| 2023-12 | 3 |  |  |
| 2024-03 | 5 | liquid assets <10%, NIM <2.5% |  |
| 2024-06 | 5 |  |  |
| 2024-09 | 6 | deposits shrinking |  |
| 2024-12 | 7 | assets shrinking |  |
| 2025-03 | 5 |  | capital falling, NIM <2.5% |
| 2025-06 | 3 |  | deposits shrinking, assets shrinking |
| 2025-09 | 5 | capital falling, uninsured deposits leaving |  |
| 2025-12 | 5 | loans exceed deposits | uninsured deposits leaving |
| 2026-03 | 2 |  | losing money, capital falling, loans exceed deposits |
| 2026-06 | 2 |  |  |

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

- 2022-06-02 [Tom Sattler - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMiSEFVX3lxTE9QQmhSUW8tOEtMX2ZabVE5OGZHN3kxVHA5OUgzVFgxTzh1SDVyQlE2OWFyaHdpNkI3YmVLZW9LUl96ZG4xMU5jWg?oc=5) · BizTimes - Milwaukee Business News
- 2022-06-21 [Racine Banker, Alvaro Araque, to Serve as Officer on Bankers Association Board - Urban Milwaukee](https://news.google.com/rss/articles/CBMiuAFBVV95cUxPcGstZWhTNGtVSEluZDJYajl6NVJKcWEyc0tZTWpiNkItbW1IMElrUUNqZHVfcjEyYlN0RVNHcG44X0lmSHhITXRMWENVeFpvN2FuUUpMUWJrS3h4U1lsWmtxaHFFSzdVT1huM2k4NzJQeFZZTm1CVTlJdTQtdGxkd1lpSHFPOUZtazVUZXE1S2FQdzVCQk5RbGJMMkpRc1hlSDA4cW1ZZDlzM0xVc1Z3T09QZXBhb196?oc=5) · Urban Milwaukee
- 2022-01-28 [Al Prochnow - BizTimes - Milwaukee Business News](https://news.google.com/rss/articles/CBMiSEFVX3lxTE9jUGdNZlhTZ0M5dmVXRWpFRlp1S2pDQUZyUXhQYm5FUVB0RnZzSGtCSVA5Y2NfSllBVF9CRDNNV1RtNmlXMWVCcQ?oc=5) · BizTimes - Milwaukee Business News

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=28614 (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/6.json (key "28614", 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