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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Grand Island, NE · FDIC certificate #31485
EQUITABLE BANK is an FDIC-insured institution based in Grand Island, NE (FDIC certificate #31485). In its Q3 2026 Call Report it reported total assets of $547M, total deposits of $445M and net loans of $463M. Its primary federal regulator is FED.
Plain-language readout
EQUITABLE BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $547M in Q3 2026 and were lowest at $517M in Q1 2026.
Total deposits were highest at $454M in Q1 2026 and lowest at $445M in Q3 2026.
Over the whole period total assets rose 5.8%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $547M | $445M | $463M | 1.12% | 10.73% | 3.75% |
| Q2 2026 | $524M | $448M | $448M | 1.10% | 10.50% | 3.74% |
| Q1 2026 | $517M | $454M | $436M | 0.92% | 8.85% | 3.65% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $9.9M | $14.1M | -$4.2M | -29.9% |
| Federal funds sold | $0K | $0K | $0K | n/a |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $37.2M | $41.2M | -$4.1M | -9.8% |
| Equity securities with readily determinable fair values, not held for trading | $100K | $0K | +$100K | n/a |
| Loans and leases held for sale | $1.0M | $156K | +$890K | +570.5% |
| Net loans and leases (after allowance) | $447.1M | $436.3M | +$10.9M | +2.5% |
| Trading assets | $0K | $74K | -$74K | -100.0% |
| Premises and fixed assets | $11.9M | $9.4M | +$2.5M | +26.4% |
| Other real estate owned | $1.0M | $1.0M | $0K | 0.0% |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $1.7M | $1.7M | -$41K | -2.4% |
| All other assets | $13.7M | $13.3M | +$356K | +2.7% |
| Total assets | $523.5M | $517.2M | +$6.3M | +1.2% |
| Liabilities | ||||
| Total deposits | $448.5M | $453.5M | -$5.0M | -1.1% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $15.6M | $5.6M | +$10.0M | +180.1% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $4.5M | $3.8M | +$720K | +18.8% |
| Total liabilities | $468.6M | $462.9M | +$5.7M | +1.2% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $0K | $0K | $0K | n/a |
| Surplus | $17.1M | $17.1M | +$14K | +0.1% |
| Retained earnings | $38.3M | $37.7M | +$653K | +1.7% |
| Accumulated other comprehensive income | -$59K | -$7K | -$52K | -742.9% |
| Other equity components | -$452K | -$464K | +$12K | +2.6% |
| Total equity capital | $54.9M | $54.3M | +$627K | +1.2% |
| Credit and capital | ||||
| Gross nonperforming assets | $1.0M | $1.1M | -$12K | -1.1% |
| Adjusted nonperforming assets | $1.0M | $1.1M | -$12K | -1.1% |
| Tangible equity plus allowance | $59.2M | $58.5M | +$668K | +1.1% |
| Texas ratio (gross) | 1.76% | 1.80% | -0.04 pts | See points |
| Texas ratio (adjusted) | 1.76% | 1.80% | -0.04 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 6.51% | 5.85% | +0.66 pts | See points |
| Tier 1 capital to risk-weighted assets | 12.77% | 12.95% | -0.17 pts | See points |
| Common equity Tier 1 to risk-weighted assets | 12.77% | 12.95% | -0.17 pts | See points |
| Tier 2 capital to risk-weighted assets | 1.25% | 1.25% | -0.00 pts | See points |
| Total risk-based capital to risk-weighted assets | 14.03% | 14.20% | -0.17 pts | See points |
| Tier 1 leverage (approximate) | 10.45% | 10.28% | +0.17 pts | See points |
| Construction and land loans to total capital | 29.54% | 23.59% | +5.95 pts | See points |
| Commercial real estate to total capital | 183.89% | 178.73% | +5.16 pts | See points |
| Dividend payout, year to date | 35.20% | 0.00% | +35.20 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -0.14% | -0.02% | -0.12 pts | See points |
| Liquidity | ||||
| Core deposits | $407.6M | $410.6M | -$3.0M | -0.7% |
| Non-core funding | $56.5M | $48.5M | +$8.0M | +16.4% |
| Loans to core deposits | 111.16% | 107.70% | +3.46 pts | See points |
| Loans to deposits | 101.01% | 97.49% | +3.52 pts | See points |
| Brokered deposits share of deposits | 0.22% | 0.22% | +0.00 pts | See points |
| Pledged securities share of securities | 3.06% | 2.89% | +0.18 pts | See points |
| Loans pledged, share of loans | 30.60% | 30.72% | -0.12 pts | See points |
| Volatile liabilities | $57.9M | $50.0M | +$8.0M | +16.0% |
| Earnings | ||||
| Earnings before provision, year to date | $3.4M | $1.4M | +$1.9M | +134.6% |
| Earnings before provision, single quarter | $1.9M | $1.4M | +$500K | +34.6% |
| Provision for credit losses, year to date | -$204K | -$89K | -$115K | -129.2% |
| Yield and cost | ||||
| Yield on loans and leases | 6.27% | 6.06% | +0.21 pts | See points |
| Yield on interest-bearing balances due from banks | 3.55% | 3.66% | -0.12 pts | See points |
| Total interest income to average assets | 5.79% | 5.59% | +0.21 pts | See points |
| Cost of interest-bearing transaction accounts | 1.38% | 2.01% | -0.62 pts | See points |
| Cost of savings and money market deposits | 2.46% | 2.45% | +0.01 pts | See points |
| Cost of time deposits | 3.63% | 3.67% | -0.04 pts | See points |
| Total interest expense to average assets | 2.20% | 2.20% | +0.00 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $547M | $445M | $463M | 1.12% | 10.73% | 3.75% |
| 2026-06-30 | $524M | $448M | $448M | 1.10% | 10.50% | 3.74% |
| 2026-03-31 | $517M | $454M | $436M | 0.92% | 8.85% | 3.65% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NE | $455M | 0.49% | 38 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.