FDIC certificate 30707
Equitable Savings and Loan Association
Sterling, Colorado · 221 N 3rd St 80751
Hunter Score
This bank ranks below the middle of its size group.
Down 1 point from last quarter.
Compared with 1,208 banks with $100 million to $300 million in assets.
A high score is not a recommendation to buy or sell.
What stands out
Equitable Savings and Loan Association has a Hunter Score of 19 out of 100 for Q2 2026, ending June 30, 2026. This bank ranks below the middle of its size group. The comparison is with banks with $100 million to $300 million in assets.
The FDIC reported noncurrent loans of 0.22% (field NCLNLSR). Among banks with $100 million to $300 million in assets, the peer rank for this measure is 61 out of 100. A rank of 50 is typical.
The FDIC reported efficiency ratio of 93.63% (field EEFFR). Among banks with $100 million to $300 million in assets, the peer rank for this measure is 4 out of 100. A rank of 50 is typical.
Warning flags
These are factual readings from FDIC fields. A flag is a reason to read the number, not a finding that the bank is unsafe.
None of the warning flags on this site are met for the latest quarter.
Held-to-maturity unrealized losses are not flagged. The FDIC file does not publish a held-to-maturity cost that we can subtract from fair value without guessing.
Similar banks
Other banks in Colorado with $100 million to $300 million in assets, ordered by Hunter Score.
- North Valley Bank84out of 100
- The Gunnison Bank and Trust Company83out of 100
- Community State Bank71out of 100
- Del Norte Bank62out of 100
- Farmers Bank61out of 100
Top Hunter Scores in Colorado · Top scores with $100 million to $300 million in assets
The five measures
Numbers below are for Q2 2026, ending June 30, 2026. They are copied from the FDIC. We do not recalculate them.
Return on equity (ROE)
0.68%
Profit for each dollar of the bank's capital. Higher is stronger.
Peer rank 5 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as ROE. A common benchmark is above 10%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Return on assets (ROA)
0.11%
Profit for each dollar of assets. Higher is stronger.
Peer rank 5 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as ROA. A common benchmark is above 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Net interest margin (NIM)
3.28%
The gap between what the bank earns on loans and securities and what it pays for funding. Higher means a wider gap.
Peer rank 19 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as NIMY. A common benchmark is above 3%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Efficiency ratio
93.63%
What the bank spends to produce a dollar of revenue. Lower is leaner.
Peer rank 4 out of 100. Weaker than most similar-sized banks.
More about this number
The FDIC reports this as EEFFR. A common benchmark is below 60%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Noncurrent loans
0.22%
Loans that are past due or no longer accruing interest, as a share of all loans. Lower is safer.
Peer rank 61 out of 100. Near the middle of similar-sized banks.
More about this number
The FDIC reports this as NCLNLSR. A common benchmark is below 1%. The benchmark is only a guide. The Hunter Score uses the peer rank, not the benchmark.
Recent quarters
- Q2 2026, ending June 30, 202619 out of 100
- Q1 2026, ending March 31, 202620 out of 100
- Q4 2025, ending December 31, 202520 out of 100
- Q3 2025, ending September 30, 202521 out of 100
- Q2 2025, ending June 30, 202527 out of 100
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About this bank
- Total assets
- $168.3 million
- Deposits
- $128.2 million
- Equity
- $26.4 million
- Tangible equity
- $26.4 millionBank-level FDIC equity minus goodwill and other intangible assets (FDIC fields EQ and INTANGW). This is not the holding company's tangible book, and it is not per share.
- Offices
- 10
- Charter
- Charter class SL
- Specialty
- Mortgage Lending Specialization
- Community bank
- Yes, by the FDIC definition
- Net income
- $90,000Year-to-date, as reported. Not annualized.
Holding company and stock symbol
Holding company: Farmers Realty Co the, Brush, CO. Federal Reserve RSSD 3835155.
We do not have a verified stock symbol for this bank. Many community banks are not publicly traded. A symbol is shown only after it matches an SEC filing, or after it is added to the reviewed list.
What is this bank worth per share?
Where it is
221 N 3rd St, Sterling, CO 80751
Showing the main office reported to the FDIC. Use the plus and minus buttons on the map to zoom. Map data is from OpenStreetMap.