BlastPoint's Banking Scorecard

Equitable Bank

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

Grand Island, NE

6 branches across NE

2664 banks in the $100M-$1B peer group nationally 82 in NE

Equitable Bank has 1 strength but faces 5 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

+ Delinquency Rate 0.87% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 13.1% in tier
- Liquidity Strain: Bottom 16.2% in tier
- ROA 0.35% below tier average
- Net Interest Margin 0.28% below tier average
- Efficiency Ratio 8.90% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (NE)	National Avg	Tier Percentile
Total Assets ?	$517.2M -2.0% YoY +0.3% QoQ	+$131.1M	$386.1M +0.5% YoY	$791.1M +6.6% YoY	$6.2B +9.1% YoY	74%
Total Loans ?	$436.4M -0.5% YoY -1.5% QoQ	+$180.7M	$255.7M +1.1% YoY	$551.6M +6.9% YoY	$3.2B +10.8% YoY	83%
Total Deposits ?	$453.5M -2.5% YoY +0.7% QoQ	+$125.6M	$328.0M +0.1% YoY	$661.1M +6.6% YoY	$4.8B +8.2% YoY	75%
Return on Assets ?	0.92% +133.6% YoY +44.1% QoQ	-0.35%	1.27% +12.9% YoY	1.36% +20.0% YoY	1.23% +13.4% YoY	33%
Net Interest Margin ?	3.65% +12.8% YoY +6.4% QoQ	-0.28%	3.93% +6.0% YoY	3.79% +6.5% YoY	3.89% +5.7% YoY	38%
Efficiency Ratio ?	74.19% +0.1% YoY -0.1% QoQ	+8.90%	65.29% -4.5% YoY	60.11% -6.9% YoY	66.95% -4.1% YoY	24%
Delinquency Rate ?	0.01% -96.7% YoY +52.3% QoQ	-0.87%	0.89% +18.8% YoY	0.72% +6.8% YoY	0.95% +18.8% YoY	Top 14.3% in tier
Loan-to-Deposit Ratio ?	96.23% +2.1% YoY -2.2% QoQ	+19.59%	76.64% +0.8% YoY	79.63% +0.4% YoY	76.70% +0.9% YoY	Bottom 13.6% in tier
Non-Interest-Bearing Deposit Share ?	12.59% +10.2% YoY +6.0% QoQ	-9.43%	22.02% -1.0% YoY	17.92% -1.5% YoY	22.01% -1.2% YoY	16%
Nonperforming Asset Ratio ?	0.20% -35.5% YoY +1.4% QoQ	-0.43%	0.64% +19.7% YoY	0.55% +6.0% YoY	0.67% +19.3% YoY	59%
Tier 1 Capital Ratio ?	12.95% +8.7% YoY +3.0% QoQ	-2.88%	15.83% +1.5% YoY	14.10% +3.9% YoY	17.06% +0.8% YoY	46%
Non-Interest Income / Assets ?	0.26% +12.6% YoY -75.3% QoQ	-0.02%	0.28% +9.3% YoY	0.12% +3.0% YoY	0.32% +4.1% YoY	Top 8.3% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 (0)

No matched strength signatures this quarter

Concerns (2)

Flatlined Growth

risk

#68 of 512 • Bottom 13.1% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.92%

(Tier: 1.27%, National: 1.23%)

worse than tier avg

512 of 512 Community banks match · 687 nationally

→ Stable +32 banks QoQ | QoQ rank improving

Liquidity Strain

risk

#105 of 643 • Bottom 16.2% 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: 96.23%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (4 metrics)

223

Non-Interest Income / Assets

revenue_mix

Value: 0.26%

Peer Median: 0.28%

#223 of 2664 Top 8.3% in $100M-$1B

381

Delinquency Rate

credit_quality

Value: 0.01%

Peer Median: 0.89%

#381 of 2654 Top 14.3% in $100M-$1B

451

Total Loans

size

Value: $436.41M

Peer Median: $255.72M

#451 of 2664 Top 16.9% in $100M-$1B

657

Total Deposits

size

Value: $453.52M

Peer Median: $327.97M

#657 of 2664 Top 24.6% in $100M-$1B

Top Weaknesses (3 metrics)

2303

Loan-to-Deposit Ratio

liquidity

Value: 96.23%

Peer Median: 76.64%

#2303 of 2664 Bottom 13.6% in $100M-$1B

2233

Non-Interest-Bearing Deposit Share

funding

Value: 12.59%

Peer Median: 22.02%

#2233 of 2664 Bottom 16.2% in $100M-$1B

2031

Efficiency Ratio

profitability

Value: 74.19%

Peer Median: 65.29%

#2031 of 2664 Bottom 23.8% in $100M-$1B