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Equitable Bank

$100M-$1B Specialty: Commercial NE FDIC cert 31485

Grand Island, NE

6 branches across NE

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 81 in NE.
  • Deposits -1.4% year over year ($448.5M on the books).
  • Delinquency rate 0.01%.
  • Return on assets 1.10%.
  • Efficiency ratio 71.06% vs a 64.48% peer average.
  • Loan-to-deposit ratio 99.93% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 81 in NE
View $100M-$1B leaderboard (NE) →

Equitable Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Revenue Diversifier: Top 48.4% in tier
  • + Delinquency Rate 0.91% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Strain: Bottom 31.0% in tier
  • - ROA 0.23% below tier average
  • - Net Interest Margin 0.25% below tier average
  • - Efficiency Ratio 6.58% above tier average
Get updates when Equitable Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Total Assets ? $523.5M
+1.0% YoY +1.2% QoQ
+$137.0M $386.6M
+1.2% YoY
$801.1M
+6.7% YoY
$6.3B
+7.7% YoY
74%
Total Loans ? $448.2M
+0.9% YoY +2.7% QoQ
+$189.8M $258.3M
+1.7% YoY
$561.8M
+6.3% YoY
$3.2B
+9.4% YoY
84%
Total Deposits ? $448.5M
-1.4% YoY -1.1% QoQ
+$121.8M $326.7M
+0.7% YoY
$663.3M
+6.9% YoY
$4.9B
+7.3% YoY
75%
Return on Assets ? 1.10%
+71.7% YoY +18.9% QoQ
-0.23% 1.32%
+10.8% YoY
1.39%
+16.4% YoY
1.30%
+12.1% YoY
40%
Net Interest Margin ? 3.74%
+13.7% YoY +2.5% QoQ
-0.25% 3.99%
+5.0% YoY
3.85%
+5.8% YoY
3.95%
+4.9% YoY
39%
Efficiency Ratio ? 71.06%
-3.9% YoY -4.2% QoQ
+6.58% 64.48%
-3.2% YoY
59.13%
-5.1% YoY
70.05%
+2.5% YoY
28%
Delinquency Rate ? 0.01%
-97.4% YoY -24.3% QoQ
-0.91% 0.92%
+15.7% YoY
0.76%
-0.0% YoY
0.98%
+16.3% YoY
Top 14.1% in tier
Loan-to-Deposit Ratio ? 99.93%
+2.3% YoY +3.8% QoQ
+21.98% 77.95%
+1.0% YoY
80.90%
+0.2% YoY
79.03%
+2.3% YoY
Bottom 10.3% in tier
Non-Interest-Bearing Deposit Share ? 12.04%
+6.0% YoY -4.4% QoQ
-9.99% 22.03%
-0.6% YoY
17.56%
-0.6% YoY
21.98%
-0.6% YoY
Bottom 14.7% in tier
Nonperforming Asset Ratio ? 0.20%
-35.3% YoY -2.3% QoQ
-0.47% 0.67%
+16.4% YoY
0.59%
+4.7% YoY
0.69%
+15.8% YoY
61%
Tier 1 Capital Ratio ? 12.77%
+5.0% YoY -1.3% QoQ
-3.13% 15.91%
+1.4% YoY
14.05%
+0.1% YoY
17.09%
+0.8% YoY
45%
Non-Interest Income / Assets ? 0.56%
+13.2% YoY +114.1% QoQ
-0.01% 0.57%
+7.6% YoY
0.24%
+7.2% YoY
0.66%
+5.2% YoY
Top 7.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Noninterest-Bearing 12.0%
+0.7pp YoY
-0.6pp QoQ
 -10.1pp 22.1% 17.6% 22.2% 14%
Brokered Deposits 0.2%
0.0pp YoY
0.0pp QoQ
 -7.6pp 7.9% 8.9% 8.5% 8%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
C&I 6.8%
-2.5pp YoY
+0.1pp QoQ
 -4.8pp 11.6% 12.3% 12.5% 31%
CRE 37.1%
+2.0pp YoY
-0.1pp QoQ
 -2.5pp 39.5% 32.3% 41.4% 47%
1-4 Family 33.5%
-0.9pp YoY
-0.9pp QoQ
 +0.9pp 32.6% 16.9% 31.3% 59%
Consumer 0.9%
0.0pp YoY
0.0pp QoQ
 -3.2pp 4.1% 3.1% 5.0% 27%

Capital

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
CET1 Ratio 12.8%
+0.6pp YoY
-0.2pp QoQ
 -6.1pp 18.8% 16.1% 19.7% 25%
Leverage Ratio 10.4%
+0.8pp YoY
+0.2pp QoQ
 -1.7pp 12.2% 12.1% 12.6% 40%
Total Capital Ratio 14.0%
+0.6pp YoY
-0.2pp QoQ
 -5.9pp 19.9% 17.3% 20.8% 26%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Full-Time Employees 89
+4 (+4.7%) YoY
+1 (+1.1%) QoQ
 +30 58 98 482 82%
Assets per Employee ($) $5.9M
-3.6% YoY
+0.1% QoQ
 -$1.6M $7.5M $8.5M $8.8M 31%
Branch Count 6
0 YoY
0 QoQ
 +1 4 7 18 66%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 5%
Nonaccrual 0.0%
-0.4pp YoY
0.0pp QoQ
 -0.9pp 0.9% 0.8% 1.0% 2%
Allowance Coverage 140.48x
+3575.4% YoY
+28.6% QoQ
 +116.32x 24.15x 31.69x 20.23x 97%
Net Charge-off Rate (YTD) -0.0%
-0.2pp YoY
0.0pp QoQ
 -0.1pp 0.1% 0.1% 0.2% 27%

Profitability

Metric Current vs Tier Tier Avg State Avg (NE) National Avg Tier Percentile
ROE 10.5%
+3.9pp YoY
+1.7pp QoQ
 -1.7pp 12.2% 12.3% 11.6% 40%
Cost of Funds (YTD) 2.4%
-0.2pp YoY
0.0pp QoQ
 +0.6pp 1.7% 1.9% 1.7% 86%
Net Income ($, YTD) $2.8M
+72.0% YoY
— QoQ
 +$286K $2.6M $6.1M $40.4M 68%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Revenue Diversifier

growth
#321 of 661 • Top 48.4% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature
Noninterest Income / Assets: 0.56%
(Tier: 0.57%, National: 0.66%)
but worse than tier avg
Return on Assets: 1.10%
(Tier: 1.32%, National: 1.30%)
but worse than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank improving

Concerns (1)

Liquidity Strain

risk
#215 of 691 • Bottom 31.0% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature
Loan-to-Deposit Ratio: 99.93%
(Tier: 77.95%, National: 79.03%)
worse than tier avg
691 of 691 Community banks match · 1092 nationally
→ Stable +81 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

205
Non-Interest Income / Assets
revenue_mix
Value: 0.56%
Peer Median: 0.57%
#205 of 2643 Top 7.7% in $100M-$1B
372
Delinquency Rate
credit_quality
Value: 0.01%
Peer Median: 0.92%
#372 of 2633 Top 14.1% in $100M-$1B
433
Total Loans
size
Value: $448.17M
Peer Median: $258.35M
#433 of 2643 Top 16.3% in $100M-$1B

Top Weaknesses (2 metrics)

2372
Loan-to-Deposit Ratio
liquidity
Value: 99.93%
Peer Median: 77.95%
#2372 of 2643 Bottom 10.3% in $100M-$1B
2256
Non-Interest-Bearing Deposit Share
funding
Value: 12.04%
Peer Median: 22.03%
#2256 of 2643 Bottom 14.7% in $100M-$1B
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