Equity Bank Mortgage Rates, Fees & Info

Andover, KS

LEI: 549300TJF420N3F01V87

Tax ID: 48-0987182

Latest/2023 | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Equity Bank is a smaller bank specializing in Home Purchase and Refi loans. Equity Bank has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Kansas City, Harrison, Tulsa, Wichita, and Fayetteville among others. We have data for 43 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Equity Bank has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Equity Bank is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    Home Equity Line of Credit (HELOC) 6.27% 12/16/24
    30 Year Conventional Purchase 6.59% 12/16/24
    30 Year Conventional Refi 6.31% 12/16/24
    30 Year Cash-out Refi 6.75% 12/16/24
    30 Year FHA Purchase 7.09% 12/16/24
    30 Year VA Purchase 6.27% 12/16/24
    30 Year USDA Purchase 7.05% 12/16/24
    15 Year Conventional Purchase 6.30% 12/16/24
    15 Year Conventional Refi 6.15% 12/16/24
    15 Year Cash-out Refi 6.15% 12/16/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Equity Bank Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Equity Bank. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    1,210

    Origination Dollar Volume (All Markets)

    $195,330,000

    Employee count

    627 Show all (25) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Outside of Metro Areas 246 $32,600,000 $132,520 $2,478 5.05%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 151 $31,545,000 $208,907 $2,726 5.08%
    Harrison, AR (FHA|USDA|VA) 183 $21,225,000 $115,984 $2,236 4.81%
    TULSA, OK (FHA|USDA|VA) 96 $20,430,000 $212,813 $3,852 5.44%
    WICHITA, KS (FHA|USDA|VA) 90 $19,220,000 $213,556 $2,839 4.37%
    FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 49 $11,385,000 $232,347 $3,258 4.64%
    Ponca City, OK (FHA|USDA|VA) 79 $10,615,000 $134,367 $2,874 5.65%
    Sedalia, MO (FHA|USDA|VA) 57 $7,525,000 $132,018 $2,714 4.64%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 2 $6,740,000 $3,370,000 $18,746 4.25%
    Warrensburg, MO (FHA|USDA|VA) 50 $5,980,000 $119,600 $2,706 5.34%
    TOPEKA, KS (FHA|USDA|VA) 23 $5,155,000 $224,130 $2,386 5.41%
    Hays, KS (FHA|USDA|VA) 31 $4,115,000 $132,742 $2,759 4.25%
    Coffeyville, KS (FHA|USDA|VA) 46 $3,770,000 $81,957 $2,991 4.51%
    Pittsburg, KS (FHA|USDA|VA) 33 $3,345,000 $101,364 $3,193 4.61%
    Guymon, OK (FHA|USDA|VA) 15 $1,225,000 $81,667 $1,531 6.35%
    Liberal, KS (FHA|USDA|VA) 6 $1,090,000 $181,667 $1,112 6.72%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $1,005,000 $1,005,000 $0 6.21%
    Branson, MO (FHA|USDA|VA) 5 $825,000 $165,000 $2,088 4.23%
    Edwards, CO (FHA|USDA|VA) 1 $755,000 $755,000 $5,542 4.25%
    Marshall, MO (FHA|USDA|VA) 7 $585,000 $83,571 $2,027 6.00%
    Hutchinson, KS (FHA|USDA|VA) 1 $545,000 $545,000 $0 4.76%
    Great Bend, KS (FHA|USDA|VA) 2 $500,000 $250,000 $7,261 3.94%
    LAWRENCE, KS (FHA|USDA|VA) 2 $480,000 $240,000 $2,933 5.56%
    Parsons, KS (FHA|USDA|VA) 5 $475,000 $95,000 $3,570 4.50%
    OKLAHOMA CITY, OK (FHA|USDA|VA) 3 $445,000 $148,333 $3,385 5.35%
    HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $395,000 $395,000 $14,947 4.38%
    JEFFERSON CITY, MO (FHA|USDA|VA) 3 $365,000 $121,667 $2,275 4.85%
    Mountain Home, AR (FHA|USDA|VA) 2 $350,000 $175,000 $2,444 4.44%
    Madison, IN (FHA|USDA|VA) 1 $305,000 $305,000 $2,161 4.63%
    ATLANTA-SANDY SPRINGS-ALPHARETTA, GA (FHA|USDA|VA) 1 $305,000 $305,000 $3,263 4.63%
    COLUMBIA, MO (FHA|USDA|VA) 2 $300,000 $150,000 $0 6.45%
    SPRINGFIELD, MO (FHA|USDA|VA) 4 $270,000 $67,500 $0 6.26%
    BIRMINGHAM-HOOVER, AL (FHA|USDA|VA) 1 $265,000 $265,000 $2,597 3.99%
    MANHATTAN, KS (FHA|USDA|VA) 1 $185,000 $185,000 $2,394 4.38%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $185,000 $185,000 $3,051 4.63%
    Winfield, KS (FHA|USDA|VA) 2 $170,000 $85,000 $2,532 3.94%
    FORT SMITH, AR-OK (FHA|USDA|VA) 1 $125,000 $125,000 $3,021 4.63%
    Russellville, AR (FHA|USDA|VA) 1 $125,000 $125,000 $2,159 4.00%
    Batesville, AR (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.50%
    Pinehurst-Southern Pines, NC (FHA|USDA|VA) 1 $105,000 $105,000 $2,315 4.63%
    Fairmont, WV (FHA|USDA|VA) 1 $85,000 $85,000 $2,845 4.75%
    HOT SPRINGS, AR (FHA|USDA|VA) 1 $55,000 $55,000 $0 6.00%
    Bartlesville, OK (FHA|USDA|VA) 1 $55,000 $55,000 $2,342 5.00%
    Equity Bank's top markets include Kansas City, Harrison, Tulsa, Wichita, and Fayetteville among others.

    Their top states include:
  • Arkansas (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Oklahoma (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Equity Bank based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    Bank of the Flint Hills
    Similarity Rank: 64
    The Halstead Bank
    Similarity Rank: 64
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 68
    CoreFirst Bank & Trust
    Similarity Rank: 88
    KCB Bank
    Similarity Rank: 108
    Azura Credit Union
    Similarity Rank: 120
    MID AMERICAN
    Similarity Rank: 128
    WHITE EAGLE Credit Union
    Similarity Rank: 130
    SKYWARD
    Similarity Rank: 132
    Citizens Savings and Loan Association, FSB
    Similarity Rank: 146

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 991 $168,765,000 $170,298 $2,395 5.15%
    USDA 109 $10,835,000 $99,404 $3,137 4.22%
    FHA 69 $8,555,000 $123,986 $4,514 4.22%
    VA 41 $7,175,000 $175,000 $3,964 4.32%

    For 2018, Equity Bank's most frequently originated type of loan was Conventional, with 991 originations. Their 2nd most popular type was USDA, with 109 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 751 $112,595,000 $149,927 $2,797 4.82%
    Refi 329 $61,085,000 $185,669 $2,665 5.57%
    Cash Out Refi 112 $20,290,000 $181,161 $2,611 4.44%
    Home Improvement 9 $435,000 $48,333 $1,888 5.53%
    Other 9 $925,000 $102,778 $2,060 4.32%

    For 2018, Equity Bank's most frequently cited loan purpose was Home Purchase, with 751 originations. The 2nd most popular reason was Refi, with 329 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 673 $116,485,000 $173,083 $2,920 4.51%
    5 Year 152 $18,690,000 $122,961 $927 6.32%
    15 Year 142 $20,530,000 $144,577 $2,106 4.28%
    3 Year 112 $16,750,000 $149,554 $5,285 6.25%
    Other 55 $9,525,000 $173,182 $1,027 6.40%
    20 Year 39 $7,485,000 $191,923 $2,424 4.55%
    10 Year 20 $3,640,000 $182,000 $1,594 5.02%
    1 Year 17 $2,225,000 $130,882 $0 6.09%

    For 2018, Equity Bank's most frequently cited loan duration was 30 Year, with 673 originations. The 2nd most popular length was 5 Year, with 152 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 777 $119,355,000 $153,610
    $1k-2k 49 $9,435,000 $192,551
    $2k-3k 12 $4,500,000 $375,000
    $5k+ 5 $8,175,000 $1,635,000
    $3k-4k 4 $1,530,000 $382,500
    $4k-5k 3 $1,265,000 $421,667

    Equity Bank's average total fees were $2,920, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 777 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    4-5% 532 $90,780,000 $170,639
    5-6% 253 $41,305,000 $163,261
    3-4% 210 $41,490,000 $197,571
    6-7% 148 $15,500,000 $104,730
    7-8% 44 $2,680,000 $60,909
    Over 8% 13 $405,000 $31,154
    2.5-3% 10 $3,170,000 $317,000

    During 2018, Equity Bank's average interest rate for loans was 4.51%, while their most frequently originated rate bucket for loans was 4-5%, with 532 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 540 $33,050,000 $61,204 $2,245 5.38%
    $100k-200k 441 $61,865,000 $140,283 $2,762 4.68%
    $200k-400k 163 $43,705,000 $268,129 $3,014 4.64%
    $400k-600k 33 $15,245,000 $461,970 $3,838 4.71%
    $600k-1MM 17 $12,635,000 $743,235 $5,135 4.44%
    $1MM+ 16 $28,830,000 $1,801,875 $8,796 4.90%

    2018 saw Equity Bank place emphasis on $100,000 or less loans with 540 originations, totaling $33,050,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 340 $28,930,000 $85,088 $2,406 4.82%
    $50k-75k 255 $30,825,000 $120,882 $2,657 4.68%
    $75k-100k 153 $23,495,000 $153,562 $2,772 4.73%
    $100k-150k 133 $23,055,000 $173,346 $2,633 4.87%
    $150k-250k 83 $22,795,000 $274,639 $3,457 4.79%
    $250k+ 57 $31,665,000 $555,526 $4,824 4.71%

    Equity Bank lent most frequently to those with incomes in the $50k or less range, with 340 originations. The second most popular income band? $50k-75k, with 255 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 203 $34,635,000 $170,616 $2,710 4.36%
    30-36% 186 $31,140,000 $167,419 $2,723 4.39%
    <20% 86 $20,330,000 $236,395 $3,013 4.41%
    42% 45 $6,385,000 $141,889 $2,766 4.53%
    38% 37 $4,585,000 $123,919 $2,750 4.45%
    39% 34 $4,450,000 $130,882 $2,425 4.70%
    40% 32 $6,640,000 $207,500 $2,723 4.33%
    41% 32 $4,900,000 $153,125 $3,145 4.42%
    37% 30 $4,200,000 $140,000 $2,724 4.52%
    44% 29 $4,425,000 $152,586 $2,676 4.63%
    43% 29 $4,725,000 $162,931 $2,560 4.34%
    36% 27 $4,375,000 $162,037 $2,690 4.70%
    45% 21 $2,335,000 $111,190 $2,580 4.63%
    >60% 15 $2,245,000 $149,667 $1,728 5.18%
    46% 14 $2,750,000 $196,429 $3,665 4.48%
    48% 13 $2,425,000 $186,538 $2,808 4.71%
    47% 12 $1,740,000 $145,000 $2,419 4.31%
    49% 11 $1,795,000 $163,182 $2,689 4.82%
    50-60% 10 $1,280,000 $128,000 $2,431 5.13%

    Equity Bank lent most frequently to those with DTI ratios of 20-30%, with 203 originations. The next most common DTI ratio? 30-36%, with 186 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 937 $139,285,000 $148,650 $2,658 4.84%
    Not applicable 165 $33,095,000 $200,576 $2,232 6.10%
    Not provided 66 $17,360,000 $263,030 $3,597 4.44%
    American Indian 21 $2,955,000 $140,714 $3,252 4.54%
    Asian 14 $2,000,000 $142,857 $2,803 4.70%
    Black 5 $455,000 $91,000 $1,522 5.32%
    Native Hawaiian or Islander 1 $95,000 $95,000 $2,336 4.75%
    Asian Indian 1 $85,000 $85,000 $0 6.00%

    Approval Rates

    Total approvals of all applications
    90.54%

    Equity Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    86.86%

    Equity Bank has an average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    125.0 1 $15,000 $15,000
    84.0 1 $25,000 $25,000
    NA 1,208 $195,290,000 $161,664

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Manufactured 5 $735,000 $147,000
    Multifamily:Site-Built 32 $18,010,000 $562,813
    Single Family (1-4 Units):Manufactured 41 $3,105,000 $75,732
    Single Family (1-4 Units):Site-Built 1,132 $173,480,000 $153,251

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 74 $6,250,000 $84,459 $1,673 5.61%
    40-60% 140 $21,030,000 $150,214 $2,383 5.21%
    60-80% 389 $81,205,000 $208,753 $2,548 5.09%
    80-100% 553 $80,955,000 $146,392 $2,863 4.69%
    Over 100% 23 $3,945,000 $171,522 $6,156 4.91%
    Under 20% 31 $1,945,000 $62,742 $1,068 6.64%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Equity Bank 2428 Vine Street Hays, KS 67601 Full Service B&M $70,072
    Equity Bank 100 East Main Warsaw, MO 65355 Full Service B&M $40,829
    Equity Bank 102 N Broadway Street Pittsburg, KS 66762 Full Service B&M $20,694
    Equity Bank 102 South Main Street Newkirk, OK 74647 Full Service B&M $56,254
    Equity Bank 10222 West Central Street Wichita, KS 67212 Full Service B&M $66,015
    Equity Bank 106 South Adams Grinnell, KS 67738 Full Service B&M $24,533
    Equity Bank 107 West Van Buren Eureka Springs, AR 72632 Full Service B&M $64,811
    Equity Bank 1110 South Mitchell Street Warrensburg, MO 64093 Full Service B&M $15,750
    Equity Bank 112 E Myrtle Street Independence, KS 67301 Full Service B&M $58,473
    Equity Bank 1251 Oldham Pkwy Lees Summit, MO 64081 Full Service B&M $43,059
    Equity Bank 1304 Highway 62/65 North Harrison, AR 72601 Full Service B&M $70,282
    Equity Bank 1417 E Hartford Ponca City, OK 74604 Full Service B&M $5,896
    Equity Bank 1555 North Webb Road Wichita, KS 67206 Full Service B&M $34,024
    Equity Bank 1601 Commercial Street Warsaw, MO 65355 Full Service B&M $7,161
    Equity Bank 1700 N Lincoln Ave Liberal, KS 67901 Full Service B&M $245,715
    Equity Bank 1919 North Highway 13 Higginsville, MO 64037 Full Service B&M $47,082
    Equity Bank 198 Slack Street Pea Ridge, AR 72751 Full Service B&M $20,343
    Equity Bank 200 East Ridge Avenue Harrison, AR 72601 Full Service B&M $160,640
    Equity Bank 200 North State Street Knob Noster, MO 65336 Full Service B&M $49,733
    Equity Bank 222 East Grand Ponca City, OK 74601 Full Service B&M $100,431
    Equity Bank 23 W. 4th Street Liberal, KS 67901 Full Service B&M $480
    Equity Bank 250 East Tucker Road Liberal, KS 67901 Full Service B&M $3,526
    Equity Bank 300 Highway 212 Quinter, KS 67752 Full Service B&M $13,399
    Equity Bank 300 South Miller Street Sweet Springs, MO 65351 Full Service B&M $32,712
    Equity Bank 301 S. E. Main Street Lees Summit, MO 64063 Full Service B&M $25,994
    Equity Bank 345 North Andover Road Andover, KS 67002 Full Service B&M $110,371
    Equity Bank 3825 Southwest 29th Street Topeka, KS 66614 Full Service B&M $44,643
    Equity Bank 4551 W 107th St, Ste 210 Overland Park, KS 66207 Full Service B&M $57,351
    Equity Bank 502 South Jackson Street Hugoton, KS 67951 Full Service B&M $32,371
    Equity Bank 504 West Benton Windsor, MO 65360 Full Service B&M $51,365
    Equity Bank 507 West 8th Street Topeka, KS 66603 Limited, Drive-thru $1
    Equity Bank 612 North Maguire Warrensburg, MO 64093 Full Service B&M $90,879
    Equity Bank 615 East Ohio Street Clinton, MO 64735 Full Service B&M $58,546
    Equity Bank 6200 Nw 63rd Street Kansas City, MO 64151 Full Service B&M $26,837
    Equity Bank 651 Ne Coronado Drive Blue Springs, MO 64014 Full Service B&M $93,952
    Equity Bank 701 Kansas Avenue Topeka, KS 66603 Full Service B&M $98,417
    Equity Bank 745 Main Street Hoxie, KS 67740 Full Service B&M $85,695
    Equity Bank 7701 East Kellogg Wichita, KS 67207 Full Service B&M $215,228
    Equity Bank 801 Main Street Neodesha, KS 66757 Full Service B&M $10,970
    Equity Bank 802 East Prospect Ponca City, OK 74602 Full Service B&M $42,282
    Equity Bank 8880 W. 151st Street Overland Park, KS 66221 Full Service B&M $37,912
    Equity Bank 902 Mcarthur Road Coffeyville, KS 67337 Full Service B&M $15,106
    Equity Bank 909 Ne Rice Road Lees Summit, MO 64064 Full Service B&M $26,037
    Equity Bank 911 W. Trimble Berryville, AR 72616 Full Service B&M $34,328
    Equity Bank 916 Washington Street Ellis, KS 67637 Full Service B&M $54,834
    Equity Bank 920 Thompson Boulevard Sedalia, MO 65301 Full Service B&M $78,127
    Equity Bank 9292 South Delaware Ave Tulsa, OK 74137 Full Service B&M $103,982
    Equity Bank 930 South Kansas Liberal, KS 67901 Full Service B&M $1,408

    For 2018, Equity Bank had 48 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $161,557
    Net interest income $126,717
    Total noninterest income $20,471
    Gross Fiduciary activities income $81
    Service charges on deposit accounts $7,021
    Trading account gains and fees $0
    Additional Noninterest Income $13,369
    Pre-tax net operating income $51,565
    Securities gains (or losses, -) $-10
    Income before extraordinary items $40,181
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $40,181
    Minority interest net income $0
    Net income $40,181
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $40,188

    Equity Bank's gross interest income from loans was $161,557,000.
    Equity Bank's net interest income from loans was $126,717,000.
    Equity Bank's fee based income from loans was $7,021,000.
    Equity Bank's net income from loans was $40,181,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $34,840
    Provision for credit losses $3,961
    Total noninterest expense $91,662
    Salaries and employee benefits $47,951
    Premises and equipment expense $8,126
    Additional noninterest expense $35,585
    Applicable income taxes $11,374
    Net charge-offs $1,005
    Cash dividends $30,500

    Equity Bank's interest expense for loans was $34,840,000.
    Equity Bank's payroll and benefits expense were $47,951,000.
    Equity Bank's property, plant and equipment expenses $8,126,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 1.0%
    Real Estate loans 1.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 1.0%
    Multifamily residential loans 1.0%
    1-4 family residential loans 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 1.0%
    Personal loans 1.0%
    Credit card loans 0.0%
    Other individual loans 1.0%
    Auto loans 1.0%
    Other consumer loans 1.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $3,125,453
    Deposits held in domestic offices $3,125,453
    Deposits by Individuals, partnerships, and corporations $2,354,444
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $706,322
    Deposits by Commercial banks and other depository institutions in U.S. $64,687
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $249,538
    Demand deposits $121,647
    Nontransaction accounts $2,875,915
    Money market deposit accounts (MMDAs) $745,518
    Other savings deposits (excluding MMDAs) $1,122,491
    Total time deposits $1,007,906
    Total time and savings deposits $3,003,806
    Noninterest-bearing deposits $507,307
    Interest-bearing deposits $2,618,146
    Retail deposits $2,702,483
    IRAs and Keogh plan accounts $92,699
    Brokered deposits $155,678
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $4,058,211
    Cash & Balances due from depository institutions $198,110
    Interest-bearing balances $131,384
    Total securities $917,706
    Federal funds sold & reverse repurchase $83
    Net loans and leases $2,566,926
    Loan and leases loss allowance $11,454
    Trading account assets $0
    Bank premises and fixed assets $76,752
    Other real estate owned $6,372
    Goodwill and other intangibles $154,666
    All other assets $137,596

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $4,058,211
    Total Liabilities $3,587,309
    Total deposits $3,125,453
    Interest-bearing deposits $2,618,146
    Deposits held in domestic offices $3,125,453
    % insured (estimated) $83
    Federal funds purchased and repurchase agreements $50,068
    Trading liabilities $0
    Other borrowed funds $388,863
    Subordinated debt $0
    All other liabilities $22,925

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,566,926
    Loan and leases loss allowance $11,454
    Total loans and leases (domestic) $2,578,380
    All real estate loans $1,850,218
    Real estate loans in domestic offices $1,850,218
    Construction and development loans $158,652
    Residential 1-4 family construction $41,533
    Other construction, all land development and other land $117,119
    Loans secured by nonfarm nonresidential properties $836,669
    Nonfarm nonresidential secured by owner-occupied properties $410,375
    Commercial real estate & other non-farm, non-residential $426,294
    Multifamily residential real estate $79,898
    1-4 family residential loans $632,462
    Farmland loans $142,537
    Loans held in foreign offices $0
    Farm loans $92,082
    Commercial and industrial loans $569,962
    To non-U.S. addressees $0
    Loans to individuals $62,976
    Credit card loans $976
    Related Plans $3,997
    Consumer Auto Loans $25,130
    Other loans to individuals $32,873
    All other loans & leases $3,142
    Loans to foreign governments and official institutions $0
    Other loans $1,822
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $0
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Equity Bank had $2,566,926,000 of loans outstanding in 2018. $1,850,218,000 of loans were in real estate loans. $158,652,000 of loans were in development loans. $79,898,000 of loans were in multifamily mortgage loans. $632,462,000 of loans were in 1-4 family mortgage loans. $92,082,000 of loans were in farm loans. $976,000 of loans were in credit card loans. $25,130,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 914 $168,993 $184,894
    Nonfarm, nonresidential loans - <$100k 357 $13,765 $38,557
    Nonfarm, nonresidential loans - $100-250k 277 $36,408 $131,437
    Nonfarm, nonresidential loans - $250k-1MM 280 $118,820 $424,357
    Commercial & Industrial, US addressed loans - <$1MM 1,443 $109,296 $75,742
    Commercial & Industrial, US addressed loans - <$100k 990 $23,720 $23,960
    Commercial & Industrial, US addressed loans - $100-250k 264 $28,775 $108,996
    Commercial & Industrial, US addressed loans - $250k-1MM 189 $56,801 $300,534
    Farmland loans - <$1MM 461 $48,535 $105,282
    Farmland loans - <$100k 231 $8,975 $38,853
    Farmland loans - $100-250k 159 $19,749 $124,208
    Farmland loans - $250k-1MM 71 $19,811 $279,028
    Agriculture operations loans - <$1MM 666 $34,637 $52,008
    Agriculture operations loans - <$100k 479 $9,863 $20,591
    Agriculture operations loans - $100-250k 125 $12,712 $101,696
    Agriculture operations loans - $250k-1MM 62 $12,062 $194,548