🏦Bank Scorer

EQUITY BANK, NATIONAL ASSOCIATION

ANDOVER, KS · Supervised by OCC (Office of the Comptroller of the Currency)

Est. 1985FDIC #25,858
Satisfactory Same

Current rating · Exam: October 2011

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.15%

Institution Profile

FDIC BankFind

Address

345 N Andover Rd, ANDOVER, KS

County

Butler County

Established

January 21, 1985

Total Assets

$7.7B(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

October 17, 2011

Exam Type

Intermediate Small Bank

Regulator

OCC (Office of the Comptroller of the Currency)
What is a CRA rating? →
⚠️This exam is 14 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)
Download Evaluation Report (PDF)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$7.7B

Total Deposits

$6.3B

Net Loans

$5.4B

Net Income

$20M

ROA

1.15%

Above avg for Community banks. Peer avg: 0.90%

ROE

9.83%

Risk-Based Capital

13.82%

Above avg for Community banks. Regulatory min: 8%

Peer Comparison

Community banks

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

ROA1.15%Peer avg: 0.90%▲ Above avg
Risk-Based Capital13.82%Peer avg: 12.91%▲ Above avg
Mortgage Denial Rate12.00%Peer avg: 9.91%▼ Below avg

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

Branch Footprint

FDIC SOD 2025

Total Branches

72

Branch Deposits

$4.3B

1-Year Change

0

5-year net change: +23 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20231,55072.65%12.00%
20221,87774.21%14.86%
20211,24378.92%7.96%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam DateRatingExam Type
Oct 2011SatisfactoryIntermediate Small Bank
Sep 2006SatisfactorySmall Bank
Apr 2002SatisfactorySmall Bank

3 previous ratings locked — back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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