BlastPoint's Banking Scorecard
Equitable Bank
Community
Specialty: Commercial
NE
FDIC cert 31485
Grand Island, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Equitable Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.62% below tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 15% in Community
- - Flatlined Growth: Bottom 28% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$515.5M
+1.6% YoY
+2.1% QoQ
|
-$875.9M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$443.1M
-1.3% YoY
+1.8% QoQ
|
-$532.3M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
21% |
| Total Deposits ? |
$450.3M
+1.1% YoY
+4.4% QoQ
|
-$714.3M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 5% in tier |
| Return on Assets ? |
0.64%
-2.9% YoY
+13.7% QoQ
|
-0.53% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
16% |
| Net Interest Margin ? |
3.43%
+12.3% YoY
+1.9% QoQ
|
-0.24% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
38% |
| Efficiency Ratio ? |
74.29%
-3.8% YoY
+0.1% QoQ
|
+11.66% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
18% |
| Delinquency Rate ? |
0.01%
-96.5% YoY
-65.7% QoQ
|
-0.62% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Top 6% in tier |
| Loan-to-Deposit Ratio ? |
98.41%
-2.4% YoY
-2.6% QoQ
|
+15.35% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
16% |
| Non-Interest-Bearing Deposit Share ? |
11.88%
-3.0% YoY
+3.7% QoQ
|
-9.16% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
15% |
| Nonperforming Asset Ratio ? |
0.20%
-2.5% YoY
-8.0% QoQ
|
-0.30% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
65% |
| Tier 1 Capital Ratio ? |
12.57%
+8.4% YoY
+0.4% QoQ
|
+2.33% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
53% |
| Non-Interest Income / Assets ? |
1.06%
+8.0% YoY
+33.3% QoQ
|
+0.32% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Top 13% in tier |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 6%
in Community
Why this stands out
Current:
0.01%
(Tier avg: 0.63%, National avg: 0.66%)
Concerns (2)
Liquidity Strain
risk
#80 of 513 · Bottom 15% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
98.41%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Flatlined Growth
risk
#69 of 245 · Bottom 28% in Community
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:
0.64%
(Tier: 1.16%, National: 1.12%)
245 of 245 Community banks match
·
308 nationally
↓ Shrinking
-35 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%
87
87th pctile
Non-Interest Income / Assets
Current: 1.06% · Tier avg: 0.74%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
53
53th pctile
Tier 1 Capital Ratio
Current: 12.57% · Tier avg: 10.24%
38
38th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.66%
21
21th pctile
Total Loans
Current: $443.1M · Tier avg: $975.5M
18
18th pctile
Efficiency Ratio
Current: 74.29% · Tier avg: 62.63%
16
16th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.16%
16
16th pctile
Loan-to-Deposit Ratio
Current: 98.41% · Tier avg: 83.06%
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.88% · Tier avg: 21.05%
5
5th pctile
Total Deposits
Current: $450.3M · Tier avg: $1.2B
2
2th pctile
Total Assets
Current: $515.5M · Tier avg: $1.4B
Top Weaknesses
2
2th pctile
Total Assets
Current: $515.5M · Tier avg: $1.4B
5
5th pctile
Total Deposits
Current: $450.3M · Tier avg: $1.2B
15
15th pctile
Non-Interest-Bearing Deposit Share
Current: 11.88% · Tier avg: 21.05%
16
16th pctile
Loan-to-Deposit Ratio
Current: 98.41% · Tier avg: 83.06%
16
16th pctile
Return on Assets
Current: 0.64% · Tier avg: 1.16%
18
18th pctile
Efficiency Ratio
Current: 74.29% · Tier avg: 62.63%
21
21th pctile
Total Loans
Current: $443.1M · Tier avg: $975.5M
38
38th pctile
Net Interest Margin
Current: 3.43% · Tier avg: 3.66%
53
53th pctile
Tier 1 Capital Ratio
Current: 12.57% · Tier avg: 10.24%
65
65th pctile
Nonperforming Asset Ratio
Current: 0.20% · Tier avg: 0.50%
87
87th pctile
Non-Interest Income / Assets
Current: 1.06% · Tier avg: 0.74%
94
94th pctile
Delinquency Rate
Current: 0.01% · Tier avg: 0.63%