Equitable Bank
Grand Island, Nebraska · FDIC Cert #31485
This is the FDIC profile for Equitable Bank, an FDIC-insured bank (Certificate #31485) with $511M in total assets and $450M in total deposits per its most recent FDIC Call Report filing (Q2 2024). Headquartered in Grand Island, Nebraska, the bank maintains a Tier 1 capital ratio of 11.25% (Well-Capitalized) and a nonperforming loan ratio of 0.48%. BankHealthData assigns a composite Health Grade of C (60/100) based on quarterly FDIC filings. All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Equitable Bank (FDIC cert 31485) is a community bank — $511M in total assets, $450M in deposits, serving the Grand Island, Nebraska area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is adequate: Tier 1 capital ratio of 11.25% meets the 8% well-capitalized threshold but does not provide substantial buffer above it. Adequate capital is regulatory-acceptable but leaves less room for absorbing unexpected losses. Asset quality is clean: non-performing loan ratio of 0.48% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is thin: 7.6% liquid-asset ratio. Banks with thin liquidity buffers can face stress during deposit-outflow events or asset-quality shocks.
Profitability is thin: ROA of 0.76% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Equitable Bank carries a composite BankHealth grade of C (60/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Equitable Bank
- Total Assets
- $511M
- Total Deposits
- $450M
- Tier 1 Capital Ratio
- 11.25%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.48%
- Liquidity Ratio
- 7.64%
- Return on Assets
- 0.76%
- Headquarters
- Grand Island, Nebraska
- FDIC Certificate
- #31485
- Health Grade
- C (60/100)
- Latest Call Report
- Q2 2024
FDIC Filings & Call Report Data
Equitable Bank files quarterly Call Reports with the FDIC under Certificate #31485. The figures on this page reflect the Q2 2024 Call Report, which is the most recent FDIC filing currently available. Historical filings and Uniform Bank Performance Reports (UBPR) are accessible directly from the FDIC BankFind directory and the FFIEC Central Data Repository.
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Capital & Safety Analysis
According to FDIC financial data, Equitable Bank holds a Tier 1 capital ratio of 11.25%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Equitable Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Equitable Bank shows average financial health. While not alarming, its Health Score of 60/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Equitable Bank Compares
Equitable Bank’s Health Score of 60 is 19 points below the Nebraska state average of 79 across 120 FDIC-insured banks. Its 11.25% Tier 1 capital ratio is 2.7 points below the US banking industry average near 14%. The 0.48% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 0.76% is below the national ROA benchmark of ~1.1%. Among 1451 similarly-sized banks, the average Health Score is 80, meaning this bank ranks below its size cohort. Site-wide, Equitable Bank is 20 points below the portfolio average of 80.
Frequently Asked Questions
Equitable Bank has a Bank Health Score of C (60/100), placing it in average financial health. It holds a Tier 1 capital ratio of 11.25%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Equitable Bank's Tier 1 capital ratio of 11.25% and nonperforming loan ratio of 0.48% indicate an average risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Equitable Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #31485). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Equitable Bank holds $511M in total assets and $450M in total deposits. It is headquartered in Grand Island, Nebraska (FDIC Certificate #31485).
Equitable Bank's FDIC filings — including quarterly Call Reports and Uniform Bank Performance Reports — are filed under FDIC Certificate #31485 and available through the FDIC BankFind directory and the FFIEC Central Data Repository. The data on this page reflects the Q2 2024 Call Report.
Equitable Bank has a Tier 1 capital ratio of 11.25%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.48%, and the return on assets is 0.76%.
Yes. Equitable Bank is FDIC-insured (Certificate #31485). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An C grade on our Bank Health Score means 55-69/100 — average across capital, loan quality, and profitability. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Equitable Bank's metrics are around average for the industry. There's no urgent action needed for FDIC-insured deposits, but it's worth monitoring quarterly updates. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.