Total Assets
$6.3B
Total balance-sheet footings
FDIC Cert #25858 · Andover, Kansas · Est. 1985
Equity Bank - FDIC Bank Health Profile
A community-scale look at Equity Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $6.3B
- Total assets
- B
- Health grade · Good
- 0.55%
- Return on assets
- 13.6%
- Tier 1 capital
Data updated July 2026
The verdict
Equity Bank earns a PlainBankData health grade of B (73/100), with well-capitalized at 13.63% Tier 1, 0.55% ROA, 60% efficiency ratio.
- #240
- largest of 4,313 FDIC banks by assets
- 95th
- percentile by asset size, nationally
- 13.63%
- Tier 1 ratio - above the 10% well-capitalized line
- 18th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
FDIC Call Report plate
Cert 25858 · KS B · 73/100
GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-REGIONAL · BOOK-FULL
- GRADE-B B (73/100)
- MID-PACK #2696/4307
- PHOTO-FINISH Bonvenu Bank, Nation… · LA
- TIER1-WELL 13.6% Tier 1
- TEXAS-CLEAN 5.4% Texas
- ROA-THIN 0.55% ROA
- SIZE-REGIONAL $1–10B
- BOOK-FULL 9/9 fields
Nearest health peer outside Kansas: Bonvenu Bank, National Association, LA (±0 health pts)
Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.
Health-score neighbourhood around Equity Bank
Lowest and highest poles plus nearest scored peers outside Kansas, not a full FDIC corpus board reprint.
Call Report read for Equity Bank in a high-failure state
Equity Bank (FDIC Cert #25858) carries a PlainBankData health grade of B at 73/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,696 of 4,307. Tier 1 capital prints at 13.63%, clearing the 10% well-capitalized line. The Texas Ratio is 5.37%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.55%. Balance-sheet scale is $6.3B, 240th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bonvenu Bank, National Association (LA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.
State failure history around Equity Bank
12 FAILURE resolutions in Kansas since 2000, heavy vs the state corpus
Equity Bank sits in one of the heavier post-2000 FAILURE states (12 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Equity Bank's current Call Report.
- HEARTLAND TRI-STATE BANK ELKHART, KS 2023 → DREAM FIRST BANK,NATIONAL ASSOCIATION
- ALMENA STATE BANK ALMENA, KS 2020 → EQUITY BANK
- THE FARMERS AND MERCHANTS STATE BANK OF ARGONIA ARGONIA, KS 2017 → CONWAY BANK
Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kansas banks.
How Equity Bank's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Tier 1 Capital Ratio (13.63%) 35/40
Return on Assets (ROA) (0.55%) 14/25
Texas Ratio (5.37%) 16/20
Efficiency Ratio (60.45%) 8/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$5.2B
Customer-funded liabilities
Net Loans
$4.1B
Outstanding loan book
Net Income
$32M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Equity Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Equity Bank's score of 73/100 falls in the highlighted band.
Equity Bank: health score vs. every FDIC-insured bank
0-100 composite health score, FDIC Call Reports
73 37th percentile higher than 37% of 4,307 FDIC-insured banks
Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source FDIC Call Reports · July 2026
Equity Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Equity Bank's $6.3B falls in the highlighted band.
Capital & credit buffers at Equity Bank
Tier 1 capital ratio
Well-capitalized 10%
13.63% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
13.63%
Texas Ratio
5.37%
Equity Capital
$749M
Profitability metrics: Equity Bank
Return on Assets (ROA)
18th percentile nationally
0.55%
Return on Equity (ROE)
4.89%
Efficiency Ratio
60.45%
Income & expense at Equity Bank
$331M
Interest Income
$36M
Non-Interest Income
$168M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Equity Bank reports a Texas Ratio of 5.37% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
5.37% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Kansas by total assets
Nationwide banks with similar total assets
Nearest other-state banks with ≥$10M assets ($6.3B here), outside Kansas so the neighborhood is not state containment.
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Equity Bank (FDIC Cert #25858) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Equity Bank Call Report profile · FDIC Failed Bank List · Kansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.
Other banks in Kansas
All Kansas banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Capitol Federal Savings BankTopeka | $9.8B | C | 0.76% |
| Intrust Bank, National AssociationWichita | $7.0B | B | 1.20% |
| Security Bank of Kansas CityKansas City | $3.8B | A | 1.37% |
| Fidelity Bank, National AssociationWichita | $3.3B | B | 0.99% |
| Emprise BankWichita | $2.8B | B | 1.32% |
| KS StateBankManhattan | $2.6B | A | 1.69% |
| Community National Bank & TrustChanute | $2.5B | B | 0.96% |
| Landmark National BankManhattan | $1.6B | B | 1.20% |