This institution is no longer active

Operations ceased on February 28, 1997. CRA examination history below reflects the period it was active.

EQUITY BANK

PALM BEACH COUNTY, FL · Supervised by FDIC

Est. 1985FDIC #26,380RSSD: FDIC-26380

Satisfactory Same

Current rating · Exam: May 1995

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.15%

Institution Profile

FDIC BankFind

Address

5030 Linton Boulevard, PALM BEACH COUNTY, FL

County

Palm Beach County

Established

October 1, 1985

Total Assets

$74M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 1995

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 31 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 1996Call Report / FDIC

Total Assets

$74M

Total Deposits

$64M

Net Loans

$57M

Net Income

$793K

ROA

1.15%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.69%

Risk-Based Capital

13.88%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.15%Peer avg: 0.44%▲ Above avg

Risk-Based Capital13.88%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate16.94%Peer avg: 7.63%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	1,564	68.61%	16.94%
2020	1,391	73.11%	10.93%
2019	1,625	75.57%	8.80%
2018	1,516	79.82%	9.50%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
May 1995	Satisfactory	Not Reported
Mar 1993	Satisfactory	Not Reported
May 1991	Satisfactory	Not Reported

Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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