This institution is no longer active

Operations ceased on September 16, 2000. CRA examination history below reflects the period it was active.

THE EQUALITY STATE BANK

CHEYENNE, WY · Supervised by FDIC

Est. 1977FDIC #22,547RSSD: FDIC-22547

Part ofEQUALITY BANKSHARES INC→ View all charters

Outstanding Same

Current rating · Exam: July 1999

CompareWatch

At a Glance

Community Lending (CRA)

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Financial Health

Strong

ROA 1.98%

Is this bank safe?

THE EQUALITY STATE BANK earned an Outstanding CRA rating (1999), is financially strong (ROA +1.98%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Address

401 West 19th Street, CHEYENNE, WY

County

Laramie County

Established

November 7, 1977

Total Assets

$93M(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

Outstanding

Exceeds federal requirements for lending in low- and moderate-income communities

Exam Date

July 1, 1999

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 27 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 Q2 2000Call Report / FDIC

Total Assets

$93M

Total Deposits

$82M

Net Loans

$63M

Net Income

$923K

ROA

1.98%

Above avg for Small banks. Peer avg: 0.44%

ROE

20.59%

Risk-Based Capital

15.27%

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).

ROA1.98%Peer avg: 0.44%▲ Above avg

Risk-Based Capital15.27%Peer avg: 23.03%▼ Below avg

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

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jul 1999	Outstanding	Small Bank
Sep 1996	Outstanding	Small Bank
Jul 1994	Satisfactory	Not Reported

1 previous rating locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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