# EQUITABLE BANK
GRAND ISLAND, NE · FDIC certificate 31485 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. Composite score 1 (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 | $523.5M | |
| Deposits | $448.5M | |
| Loans and leases | $454.1M | |
| Total equity | $54.9M | |
| Loans / deposits | 99.93% (p88 of band) | 82.04% |
| Liquid assets / assets | 9.00% (p3 of band) | |
| Uninsured deposits / deposits | 16.77% (p18 of band) | 25.97% |
| Brokered deposits | 0.19% | |
| Wholesale funding | 3.16% (p48 of band) | |
| FHLB advances / assets | 2.87% | |
| Tier 1 leverage | 10.45% (p44 of band) | 10.81% |
| Unrealized securities loss / equity | -0.32% (p93 of band) | -8.10% |
| AOCI / equity | -0.17% (p61 of band) | |
| ROA (annualized) | 1.10% (p38 of band) | 1.28% |
| Net interest margin | 3.74% (p40 of band) | 3.91% |
| Efficiency ratio | 71.06% (p76 of band) | |
| Noncurrent loans | 0.01% (p11 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p21 of band) | |
| Reserve coverage of noncurrent | 14047.62% | |
| Real estate % of loans | 82% | |
| Construction % of loans | 32.02% (p39 of band) | |
| Auto loans | $2.0M (0.45% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | -1.4% | |
| Employees | 89 | |

## Flags firing in the latest filing

- **liquid assets <10%** (`liq_thin`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, wholesale funding >15%, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 4 | losing money | wholesale funding >15% |
| 2011-09 | 3 |  | reserve under noncurrent |
| 2011-12 | 2 |  | charge-offs p90 |
| 2012-03 | 1 | assets shrinking | loans exceed deposits, losing money |
| 2012-06 | 1 | reserve under noncurrent | assets shrinking |
| 2012-09 | 1 |  |  |
| 2012-12 | 2 | capital falling |  |
| 2013-03 | 1 |  | capital falling |
| 2013-06 | 1 |  |  |
| 2013-09 | 2 | loans exceed deposits, liquid assets <10% | reserve under noncurrent |
| 2013-12 | 1 |  | liquid assets <10% |
| 2014-03 | 1 | capital falling | loans exceed deposits |
| 2014-06 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 | capital falling | liquid assets <10% |
| 2015-03 | 0 |  | loans exceed deposits, capital falling |
| 2015-06 | 0 |  |  |
| 2015-09 | 2 | loans exceed deposits, liquid assets <10% |  |
| 2015-12 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2016-03 | 1 | capital falling |  |
| 2016-06 | 2 | loans exceed deposits, liquid assets <10% | capital falling |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 |  |  |
| 2017-03 | 2 |  |  |
| 2017-06 | 3 | capital falling |  |
| 2017-09 | 3 |  |  |
| 2017-12 | 3 |  |  |
| 2018-03 | 2 | brokered >10% | loans exceed deposits, liquid assets <10% |
| 2018-06 | 4 | loans exceed deposits, liquid assets <10%, reserve under noncurrent | brokered >10% |
| 2018-09 | 2 |  | capital falling, reserve under noncurrent |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | capital falling |  |
| 2019-09 | 3 |  |  |
| 2019-12 | 2 |  | capital falling |
| 2020-03 | 2 |  |  |
| 2020-06 | 3 | capital falling |  |
| 2020-09 | 2 |  | capital falling |
| 2020-12 | 0 |  | loans exceed deposits, liquid assets <10% |
| 2021-03 | 0 |  |  |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | liquid assets <10% |  |
| 2022-09 | 2 | loans exceed deposits |  |
| 2022-12 | 2 |  |  |
| 2023-03 | 1 |  | loans exceed deposits |
| 2023-06 | 2 | loans exceed deposits |  |
| 2023-09 | 0 |  | liquid assets <10%, loans exceed deposits |
| 2023-12 | 3 | loans exceed deposits, liquid assets <10%, capital falling |  |
| 2024-03 | 2 |  | loans exceed deposits |
| 2024-06 | 1 |  | capital falling |
| 2024-09 | 1 |  |  |
| 2024-12 | 2 | loans exceed deposits |  |
| 2025-03 | 1 | charge-offs p90 | liquid assets <10%, loans exceed deposits |
| 2025-06 | 2 | liquid assets <10% |  |
| 2025-09 | 3 | loans exceed deposits |  |
| 2025-12 | 1 |  | charge-offs p90, loans exceed deposits |
| 2026-03 | 0 |  | liquid assets <10% |
| 2026-06 | 1 | liquid assets <10% |  |

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

- 2025-10-23 [Equitable Bank to break ground on new headquarters in Grand Island - KSNB](https://news.google.com/rss/articles/CBMinAFBVV95cUxOcXZfU3lNbmdtakpjTTZ2VUFwOFpULS05RmJtdk9ycWFUS2VjQ2FrSWFRZGVNaEFUWUh3UkxuUk8tNEsxUUhObng0N3Bob2x2aEpDTi1nLXBIRS12XzNGZkNSUjZLRnUxZmtRcUhVRS1jZG9qaktYb1VjcElUT1VaMmtWMElwakQtYzV3ekF6UUdpdUV0OWdWZnMwc1bSAbABQVVfeXFMTUF0QzBCdVhYbVhPRzBwcVV2eURVVEpYWmNFREp0NnpWTm5Hdm0yV2VRM1JqVkhSc3o3c3NYM1RsVDFSSzZwa2huTzMwS3RLM3ZmcnZZMFFrc1BpakFTTnNTbEZQVWFUeU52OWpMb001enU1d0ZlTHRadHZjTkZoR2R2eWpMd2JObmNHeVJnVzlYVVlzal9XcUxVVmRaOS1LcGwwOXN1YXhOSnE3bGotZUU?oc=5) · KSNB
- 2025-10-22 [Equitable Bank to break ground on new Grand Island headquarters - KHGI](https://news.google.com/rss/articles/CBMimgFBVV95cUxPN09ZMUVUc3B3cFhocEgyeEUxUldPRHVTUW1tMm1PQ25vdTQ0bkdYRnVQTUs5Tkdhc3dMQU9aTll0OVdEamg3cEZQemVkR0tRWGtxUGVnTmdqTnBxeGdJcWotOFIxakN3S3ViMzZQOEFwZWlMSFRJVmotMXNMS2gtUEh1VDd3Ymh4aThOcDBIUnBfcWh0R2J4UjRn?oc=5) · KHGI
- 2025-10-22 [Equitable Bank to break ground on new headquarters in Grand Island’s Prairie Commons District - Central Nebraska Today](https://news.google.com/rss/articles/CBMi2AFBVV95cUxORk9zSW42MlBuSHM2M1U1Tlc4eURpVW94Ny0yZmM0cGpWclNNcXNPZWZIVWo1TnhhY1BuM0w3SXFWRzZveGJjYUdCY1hUNlBacG9ETlRNcXFZdWJqYjZQS1VGT1JRMmZQeXRaSmtFckhxZXNlWGMwLWEybHhsdVdMSEZTb3FfcVBUYjRUYzBuTDR0YjgzMWh6Nm1HSC1mM0ROeG50b0NnSDRrd094UVhkMUQ0UnZGRlRsSmdvZUt2Q0VkeGVwWjZRSWZnd3lSSVcxVmdqZW43NFg?oc=5) · Central Nebraska Today
- 2026-07-27 [Sunday senior legion state baseball tournament highlights + scores (07.26.26) - WOWT](https://news.google.com/rss/articles/CBMirwFBVV95cUxOZHFxR0djZm5ZekJjTTg0MDlraU1OTS11VEtJelE2ZFNLR1o2Zy1HWldsQWdmeE9oczBMRTFCTFB3R3dodnNuLVhYTnV2bUNkTHNtaWFvQ01wX0U4UkR3VGY0bGNfZTNRVTNIdk9RRzdWcWtDOGM3ajczTDMxWWdHa2w0cVdWUTEwSjVkcFhKY01wck1KVHF3MjJ2dlZ0WnRRaGp2a1hlLVpDOVV2NWxn?oc=5) · WOWT
- 2025-10-22 [Equitable Bank to break ground on new Grand Island headquarters - KHGI](https://news.google.com/rss/articles/CBMipAFBVV95cUxNRURVX1VjSmhzWmtwQi1aQ0xZRG5ncFphX2RKTnFpZnh3RWhCTTYzWGxEdkVtUURJMS1ldmJ2bE1SVTYwQ3U0czB5alp0VUJBdjdUdVUtUmtJM0FKWjdxVFR3a3VCN2xHTHB5ZFZ1UUVfb3JOSXBwSWR3VmV1S21qY1RvLUVaUG9lT2Fkd2t6UzE2Q3VaRGFPVkpiQk5rN3haNmg5TQ?oc=5) · KHGI
- 2025-06-24 [Equitable Bank chief executive Andrew Moor, 65, dies; replacement appointed - Yahoo! Finance Canada](https://news.google.com/rss/articles/CBMivgFBVV95cUxOb0FHZThHNDJ2QWhzVnFLNUZVMHhFblNMWWpBaTJQZXpacUtUMC1TWGFLQ2FpU2ZPQ0tIV1RiaXcyeVhDbGxfbjAxLVNSX2hvMFV1c0F2TXRIbXlBdFZqeU9ZNGJfeTNpMmtYNGRjNVdzN204cGtDSThrcVFYRU5uMy1SWDl5aHNVMFg1MWtOTGNVZHVla1dpTmFlVm1vTlpjamI0NTNWS1RzNDJVYUc2OEotbnJpenA2WDZfVHB3?oc=5) · Yahoo! Finance Canada
- 2025-09-22 [Nebraska State Patrol arrests two after hard drive stolen from Equitable Bank ATM in Grand Island - Central Nebraska Today](https://news.google.com/rss/articles/CBMi3wFBVV95cUxQQXE3Q3Njd1B5VTFWamQ2eVZpeTc0NmR1X1RwZm9qRFFDekJ1OTlMZktLek1tS1NORmthbXFEMTNnRGlVZmpQbFAycWJ0d1JGbk84X0s4VWM4MnJ6dlN2cHNoMkpsRjMtRG5veGt2RUl0eDk4U2VYd0ZtNEFRRGNOR2k2LXBLSWthVnFDb1o1NXNDQVNlMFZBcXJtNTk1U1ZyclFtakxjQ3F6S2RYbVh3UjVnSHNfWHVNWTI1QVZDRDJZU1VPZkEwUUtWOVhZb0FoSm51VVlIZ0VLajRUd3BF?oc=5) · Central Nebraska Today
- 2025-05-16 [EQ Bank moves into new Toronto headquarters as lending grows - mpamag.com](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQRzNaLVFqcDI3YWRycndoZGFXREFuTExYU1VYNkFtYm1NX2sweGVsZEk0d0lYRVNRLTBxMUcyMzJ0NmUxU3piVHFuTU02ZnBmVkFBdGxDOUtTVEVnNjc1ejNzS2hJX3hfT2FzeGtTY29IMXVzTl9wcTFMRTY3aU12ckxsM2xfSENLU2VuZ3pNdTR3VUIxNW1nV0JHSE05eUdjeGZra1JIZ3BMeGMtWlZDUG81WGo1S3VwVjQ0VTlDZnY?oc=5) · mpamag.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=31485 (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/61.json (key "31485", 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