Equity Bank Mortgage Rates, Fees & Info

Andover, KS

LEI: 549300TJF420N3F01V87

Tax ID: 48-0987182

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Mortgage Data

Bank Data

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 an average proportion of FHA loans. Their top markets by origination volume include: Kansas City, Wichita, Harrison, Fayetteville, and Ponca City among others. We have data for 54 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.

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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

1,228

Origination Dollar Volume (All Markets)

$172,730,000

Employee count

607 Show all (29) 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
KANSAS CITY, MO-KS (FHA|USDA|VA) 173 $32,665,000 $188,815 $2,707 4.69%
Outside of Metro Areas 245 $27,725,000 $113,163 $2,590 4.95%
WICHITA, KS (FHA|USDA|VA) 132 $23,210,000 $175,833 $2,966 4.19%
Harrison, AR (FHA|USDA|VA) 172 $18,550,000 $107,849 $2,608 4.64%
FAYETTEVILLE-SPRINGDALE-ROGERS, AR (FHA|USDA|VA) 32 $8,980,000 $280,625 $3,233 4.52%
Ponca City, OK (FHA|USDA|VA) 62 $8,410,000 $135,645 $3,781 5.58%
Sedalia, MO (FHA|USDA|VA) 47 $5,585,000 $118,830 $2,629 4.13%
Warrensburg, MO (FHA|USDA|VA) 43 $5,155,000 $119,884 $2,488 5.35%
Guymon, OK (FHA|USDA|VA) 65 $5,115,000 $78,692 $3,135 5.69%
TULSA, OK (FHA|USDA|VA) 37 $4,925,000 $133,108 $5,063 5.60%
Coffeyville, KS (FHA|USDA|VA) 49 $4,405,000 $89,898 $3,031 4.23%
Hays, KS (FHA|USDA|VA) 21 $3,865,000 $184,048 $2,877 4.40%
TOPEKA, KS (FHA|USDA|VA) 35 $3,315,000 $94,714 $2,294 5.76%
Pittsburg, KS (FHA|USDA|VA) 25 $2,565,000 $102,600 $2,768 4.32%
Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 2 $2,330,000 $1,165,000 $0 4.44%
Branson, MO (FHA|USDA|VA) 8 $1,470,000 $183,750 $3,722 4.66%
Liberal, KS (FHA|USDA|VA) 12 $1,340,000 $111,667 $2,315 5.70%
ST. JOSEPH, MO-KS (FHA|USDA|VA) 2 $1,190,000 $595,000 $3,986 4.92%
OKLAHOMA CITY, OK (FHA|USDA|VA) 8 $1,180,000 $147,500 $2,707 4.54%
BEND, OR (FHA|USDA|VA) 1 $865,000 $865,000 $7,512 4.88%
Breckenridge, CO (FHA|USDA|VA) 1 $745,000 $745,000 $5,203 4.38%
Marshall, MO (FHA|USDA|VA) 7 $705,000 $100,714 $1,676 4.43%
Winfield, KS (FHA|USDA|VA) 4 $590,000 $147,500 $2,720 5.06%
Bozeman, MT (FHA|USDA|VA) 1 $525,000 $525,000 $7,130 4.88%
INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 1 $485,000 $485,000 $2,401 3.75%
HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 2 $460,000 $230,000 $0 6.63%
BOULDER, CO (FHA|USDA|VA) 1 $415,000 $415,000 $3,009 4.50%
Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $405,000 $405,000 $4,809 4.25%
HAGERSTOWN-MARTINSBURG, MD-WV (FHA|USDA|VA) 1 $395,000 $395,000 $3,621 3.25%
SYRACUSE, NY (FHA|USDA|VA) 1 $385,000 $385,000 $2,299 4.63%
SPRINGFIELD, MO (FHA|USDA|VA) 5 $365,000 $73,000 $1,665 5.99%
Parsons, KS (FHA|USDA|VA) 3 $335,000 $111,667 $3,955 3.67%
Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $325,000 $325,000 $3,745 3.25%
JONESBORO, AR (FHA|USDA|VA) 2 $320,000 $160,000 $2,401 3.75%
Russellville, AR (FHA|USDA|VA) 2 $300,000 $150,000 $1,781 4.77%
LAWRENCE, KS (FHA|USDA|VA) 2 $300,000 $150,000 $2,701 4.31%
Hutchinson, KS (FHA|USDA|VA) 2 $300,000 $150,000 $3,266 3.88%
Stillwater, OK (FHA|USDA|VA) 2 $290,000 $145,000 $3,647 5.06%
Emporia, KS (FHA|USDA|VA) 1 $265,000 $265,000 $4,363 5.13%
NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $235,000 $235,000 $1,887 4.13%
LAKELAND-WINTER HAVEN, FL (FHA|USDA|VA) 1 $225,000 $225,000 $3,086 4.00%
Ottawa, KS (FHA|USDA|VA) 1 $195,000 $195,000 $3,374 5.25%
LITTLE ROCK-NORTH LITTLE ROCK-CONWAY, AR (FHA|USDA|VA) 1 $185,000 $185,000 $2,710 3.38%
Mountain Home, AR (FHA|USDA|VA) 2 $180,000 $90,000 $3,148 4.19%
COLUMBIA, MO (FHA|USDA|VA) 2 $170,000 $85,000 $0 5.92%
LAFAYETTE-WEST LAFAYETTE, IN (FHA|USDA|VA) 1 $165,000 $165,000 $1,857 3.50%
JOPLIN, MO (FHA|USDA|VA) 1 $145,000 $145,000 $4,441 3.25%
FORT SMITH, AR-OK (FHA|USDA|VA) 1 $115,000 $115,000 $3,120 3.63%
CEDAR RAPIDS, IA (FHA|USDA|VA) 1 $95,000 $95,000 $2,374 3.88%
Muskogee, OK (FHA|USDA|VA) 1 $75,000 $75,000 $2,370 5.50%
Great Bend, KS (FHA|USDA|VA) 1 $75,000 $75,000 $2,013 4.38%
JEFFERSON CITY, MO (FHA|USDA|VA) 1 $65,000 $65,000 $0 6.00%
Weatherford, OK (FHA|USDA|VA) 1 $35,000 $35,000 $504 5.00%
MANHATTAN, KS (FHA|USDA|VA) 1 $15,000 $15,000 $0 9.24%
Equity Bank's top markets include Kansas City, Wichita, Harrison, Fayetteville, and Ponca City among others.

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

    CoreFirst Bank & Trust
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    MAINSTREET FEDERAL CREDIT UNION
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    Azura Credit Union
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    PANHANDLE FEDERAL CREDIT UNION
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    Wichita Federal Credit Union
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    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 975 $140,535,000 $144,138 $2,460 5.14%
    USDA 117 $12,175,000 $104,060 $3,234 3.48%
    FHA 91 $12,415,000 $136,429 $4,792 3.64%
    VA 45 $7,605,000 $169,000 $2,673 3.64%

    For 2019, Equity Bank's most frequently originated type of loan was Conventional, with 975 originations. Their 2nd most popular type was USDA, with 117 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 771 $113,695,000 $147,464 $3,000 4.46%
    Refi 340 $43,540,000 $128,059 $2,347 5.60%
    Cash Out Refi 89 $13,625,000 $153,090 $2,540 4.56%
    Home Improvement 20 $1,150,000 $57,500 $1,634 5.94%
    Other 8 $720,000 $90,000 $2,085 4.80%

    For 2019, Equity Bank's most frequently cited loan purpose was Home Purchase, with 771 originations. The 2nd most popular reason was Refi, with 340 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 703 $113,305,000 $161,174 $2,968 4.09%
    5 Year 225 $26,075,000 $115,889 $817 6.29%
    15 Year 102 $12,930,000 $126,765 $2,275 4.13%
    3 Year 98 $7,960,000 $81,224 $0 6.36%
    Other 42 $3,490,000 $83,095 $1,279 6.65%
    20 Year 25 $4,005,000 $160,200 $2,254 4.23%
    10 Year 18 $2,850,000 $158,333 $1,238 5.19%
    1 Year 13 $935,000 $71,923 $0 6.44%
    30+ year 2 $1,180,000 $590,000 $8,834 4.44%

    For 2019, Equity Bank's most frequently cited loan duration was 30 Year, with 703 originations. The 2nd most popular length was 5 Year, with 225 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 680 $94,170,000 $138,485
    $1k-2k 109 $16,825,000 $154,358
    $2k-3k 26 $9,440,000 $363,077
    $3k-4k 8 $3,170,000 $396,250
    $5k+ 4 $2,940,000 $735,000
    $4k-5k 3 $1,715,000 $571,667

    Equity Bank's average total fees were $2,968, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 680 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 418 $66,120,000 $158,182
    4-5% 312 $52,980,000 $169,808
    5-6% 217 $29,995,000 $138,226
    6-7% 180 $15,870,000 $88,167
    7-8% 47 $2,305,000 $49,043
    2.5-3% 35 $4,685,000 $133,857
    Over 8% 15 $435,000 $29,000
    % 4 $340,000 $85,000

    During 2019, Equity Bank's average interest rate for loans was 4.09%, while their most frequently originated rate bucket for loans was 3-4%, with 418 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $100,000 or less 564 $32,700,000 $57,979 $2,277 5.38%
    $100k-200k 453 $64,845,000 $143,146 $3,037 4.31%
    $200k-400k 164 $43,420,000 $264,756 $3,041 4.23%
    $400k-600k 32 $14,760,000 $461,250 $3,909 4.65%
    $600k-1MM 9 $8,005,000 $889,444 $9,659 5.25%
    $1MM+ 6 $9,000,000 $1,500,000 $8,565 5.15%

    2019 saw Equity Bank place emphasis on $100,000 or less loans with 564 originations, totaling $32,700,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $50k or less 360 $31,340,000 $87,056 $2,559 4.56%
    $50k-75k 269 $33,685,000 $125,223 $2,961 4.44%
    $75k-100k 152 $21,350,000 $140,461 $2,796 4.69%
    $100k-150k 128 $21,910,000 $171,172 $3,007 4.85%
    $150k-250k 89 $21,585,000 $242,528 $3,186 4.79%
    $250k+ 29 $14,525,000 $500,862 $4,900 4.78%

    Equity Bank lent most frequently to those with incomes in the $50k or less range, with 360 originations. The second most popular income band? $50k-75k, with 269 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 195 $28,145,000 $144,333 $2,603 4.13%
    30-36% 168 $27,180,000 $161,786 $2,629 4.18%
    <20% 68 $9,230,000 $135,735 $2,512 4.64%
    38% 53 $7,905,000 $149,151 $2,894 4.10%
    40% 42 $5,280,000 $125,714 $2,754 4.11%
    39% 41 $7,065,000 $172,317 $3,049 3.86%
    42% 40 $5,150,000 $128,750 $2,845 4.38%
    37% 38 $5,940,000 $156,316 $3,321 4.23%
    36% 35 $5,635,000 $161,000 $3,282 4.17%
    41% 30 $5,230,000 $174,333 $3,247 4.29%
    43% 28 $3,940,000 $140,714 $3,120 4.12%
    44% 21 $4,175,000 $198,810 $3,681 4.17%
    45% 19 $3,925,000 $206,579 $3,251 3.78%
    46% 18 $3,860,000 $214,444 $3,020 4.08%
    50-60% 17 $2,755,000 $162,059 $4,237 4.49%
    49% 15 $2,435,000 $162,333 $3,099 4.00%
    47% 13 $1,255,000 $96,538 $2,524 4.69%
    48% 11 $1,335,000 $121,364 $2,470 4.36%
    >60% 3 $285,000 $95,000 $1,711 5.25%

    Equity Bank lent most frequently to those with DTI ratios of 20-30%, with 195 originations. The next most common DTI ratio? 30-36%, with 168 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 964 $130,390,000 $135,259 $2,828 4.67%
    Not applicable 141 $22,105,000 $156,773 $0 6.09%
    Not provided 89 $16,035,000 $180,169 $2,764 4.41%
    American Indian 13 $1,585,000 $121,923 $3,383 4.03%
    Black 13 $1,355,000 $104,231 $3,555 5.24%
    Asian 8 $1,260,000 $157,500 $2,825 4.37%

    Approval Rates

    Total approvals of all applications
    92.76%

    Equity Bank has an average approval rate.

    Pick Rate

    Approvals leading to origination
    80.21%

    Equity Bank has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    125.0 3 $65,000 $21,667
    NA 1,225 $172,665,000 $140,951

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 38 $13,900,000 $365,789
    Single Family (1-4 Units):Manufactured 55 $3,715,000 $67,545
    Single Family (1-4 Units):Site-Built 1,135 $155,115,000 $136,665

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 90 $8,010,000 $89,000 $1,936 5.76%
    40-60% 162 $19,310,000 $119,198 $2,274 5.42%
    60-80% 371 $62,085,000 $167,345 $2,657 5.08%
    80-100% 551 $79,205,000 $143,748 $3,042 4.22%
    Over 100% 18 $2,150,000 $119,444 $4,085 3.92%
    Under 20% 35 $1,885,000 $53,857 $742 6.53%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Equity Bank 100 East Main Warsaw, MO 65355 Full Service B&M $44,601
    Equity Bank 1754 N. Academy Guymon, OK 73942 Full Service B&M $50,737
    Equity Bank 102 N Broadway Street Pittsburg, KS 66762 Full Service B&M $24,185
    Equity Bank 102 South Main Street Newkirk, OK 74647 Full Service B&M $60,482
    Equity Bank 10222 West Central Street Wichita, KS 67212 Full Service B&M $71,519
    Equity Bank 106 South Adams Grinnell, KS 67738 Full Service B&M $23,408
    Equity Bank 107 West Van Buren Eureka Springs, AR 72632 Full Service B&M $74,006
    Equity Bank 110 E. First Street Cordell, OK 73632 Full Service B&M $35,807
    Equity Bank 1110 South Mitchell Street Warrensburg, MO 64093 Full Service B&M $15,243
    Equity Bank 112 E Myrtle Street Independence, KS 67301 Full Service B&M $56,375
    Equity Bank 1251 Oldham Pkwy Lees Summit, MO 64081 Full Service B&M $51,752
    Equity Bank 1304 Highway 62/65 North Harrison, AR 72601 Full Service B&M $72,206
    Equity Bank 1417 E Hartford Ponca City, OK 74604 Full Service B&M $10,136
    Equity Bank 1555 North Webb Road Wichita, KS 67206 Full Service B&M $43,168
    Equity Bank 1601 Commercial Street Warsaw, MO 65355 Full Service B&M $8,556
    Equity Bank 1700 N Lincoln Ave Liberal, KS 67901 Full Service B&M $267,541
    Equity Bank 1919 North Highway 13 Higginsville, MO 64037 Full Service B&M $54,003
    Equity Bank 198 Slack Street Pea Ridge, AR 72751 Full Service B&M $23,647
    Equity Bank 200 East Ridge Avenue Harrison, AR 72601 Full Service B&M $157,895
    Equity Bank 200 North State Street Knob Noster, MO 65336 Full Service B&M $55,350
    Equity Bank 222 East Grand Ponca City, OK 74601 Full Service B&M $123,931
    Equity Bank 23 W. 4th Street Liberal, KS 67901 Full Service B&M $878
    Equity Bank 2428 Vine Street Hays, KS 67601 Full Service B&M $87,157
    Equity Bank 250 East Tucker Road Liberal, KS 67901 Full Service B&M $4,366
    Equity Bank 2602 North Highway 64 Guymon, OK 73942 Full Service B&M $10,864
    Equity Bank 300 Highway 212 Quinter, KS 67752 Full Service B&M $15,050
    Equity Bank 300 South Miller Street Sweet Springs, MO 65351 Full Service B&M $33,702
    Equity Bank 301 S. E. Main Street Lees Summit, MO 64063 Full Service B&M $26,254
    Equity Bank 345 North Andover Road Andover, KS 67002 Full Service B&M $125,239
    Equity Bank 3825 Southwest 29th Street Topeka, KS 66614 Full Service B&M $45,140
    Equity Bank 4551 W 107th St, Ste 210 Overland Park, KS 66207 Full Service B&M $76,871
    Equity Bank 502 South Jackson Street Hugoton, KS 67951 Full Service B&M $34,140
    Equity Bank 504 West Benton Windsor, MO 65360 Full Service B&M $57,702
    Equity Bank 507 West 8th Street Topeka, KS 66603 Limited, Drive-thru $1
    Equity Bank 601 North Main Street Guymon, OK 73942 Full Service B&M $110,494
    Equity Bank 612 North Maguire Warrensburg, MO 64093 Full Service B&M $102,476
    Equity Bank 615 East Ohio Street Clinton, MO 64735 Full Service B&M $70,955
    Equity Bank 6200 Nw 63rd Street Kansas City, MO 64151 Full Service B&M $34,580
    Equity Bank 651 Ne Coronado Drive Blue Springs, MO 64014 Full Service B&M $79,501
    Equity Bank 701 Kansas Avenue Topeka, KS 66603 Full Service B&M $122,317
    Equity Bank 745 Main Street Hoxie, KS 67740 Full Service B&M $86,696
    Equity Bank 7701 East Kellogg Wichita, KS 67207 Full Service B&M $256,919
    Equity Bank 801 Main Street Neodesha, KS 66757 Full Service B&M $11,691
    Equity Bank 802 East Prospect Ponca City, OK 74602 Full Service B&M $41,017
    Equity Bank 8880 W. 151st Street Overland Park, KS 66221 Full Service B&M $47,534
    Equity Bank 902 Mcarthur Road Coffeyville, KS 67337 Full Service B&M $16,822
    Equity Bank 909 Ne Rice Road Lees Summit, MO 64064 Full Service B&M $28,000
    Equity Bank 911 W. Trimble Berryville, AR 72616 Full Service B&M $35,423
    Equity Bank 916 Washington Street Ellis, KS 67637 Full Service B&M $60,363
    Equity Bank 920 Thompson Boulevard Sedalia, MO 65301 Full Service B&M $101,363
    Equity Bank 9292 South Delaware Ave Tulsa, OK 74137 Full Service B&M $139,528
    Equity Bank 930 South Kansas Liberal, KS 67901 Full Service B&M $1,653

    For 2019, Equity Bank had 52 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $175,500
    Net interest income $127,661
    Total noninterest income $24,294
    Gross Fiduciary activities income $243
    Service charges on deposit accounts $8,449
    Trading account gains and fees $0
    Additional Noninterest Income $15,602
    Pre-tax net operating income $37,324
    Securities gains (or losses, -) $14
    Income before extraordinary items $28,978
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $28,978
    Minority interest net income $0
    Net income $28,978
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $28,966

    Equity Bank's gross interest income from loans was $175,500,000.
    Equity Bank's net interest income from loans was $127,661,000.
    Equity Bank's fee based income from loans was $8,449,000.
    Equity Bank's net income from loans was $28,978,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $47,839
    Provision for credit losses $18,354
    Total noninterest expense $96,277
    Salaries and employee benefits $52,005
    Premises and equipment expense $8,571
    Additional noninterest expense $35,701
    Applicable income taxes $8,360
    Net charge-offs $17,576
    Cash dividends $23,000

    Equity Bank's interest expense for loans was $47,839,000.
    Equity Bank's payroll and benefits expense were $52,005,000.
    Equity Bank's property, plant and equipment expenses $8,571,000.

    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 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 1.0%
    HELOC loans 8.0%
    All other family 0.0%
    Commercial & industrial loans 2.0%
    Personal loans 0.0%
    Credit card loans 0.0%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $3,067,257
    Deposits held in domestic offices $3,067,257
    Deposits by Individuals, partnerships, and corporations $2,336,273
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $665,645
    Deposits by Commercial banks and other depository institutions in U.S. $65,339
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $268,482
    Demand deposits $126,356
    Nontransaction accounts $2,798,775
    Money market deposit accounts (MMDAs) $858,714
    Other savings deposits (excluding MMDAs) $1,106,891
    Total time deposits $833,170
    Total time and savings deposits $2,940,901
    Noninterest-bearing deposits $486,754
    Interest-bearing deposits $2,580,503
    Retail deposits $2,783,043
    IRAs and Keogh plan accounts $89,280
    Brokered deposits $55,167
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $3,946,120
    Cash & Balances due from depository institutions $91,972
    Interest-bearing balances $37,883
    Total securities $911,614
    Federal funds sold & reverse repurchase $318
    Net loans and leases $2,550,353
    Loan and leases loss allowance $12,232
    Trading account assets $0
    Bank premises and fixed assets $85,067
    Other real estate owned $8,293
    Goodwill and other intangibles $157,518
    All other assets $140,985

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $3,946,120
    Total Liabilities $3,456,859
    Total deposits $3,067,257
    Interest-bearing deposits $2,580,503
    Deposits held in domestic offices $3,067,257
    % insured (estimated) $83
    Federal funds purchased and repurchase agreements $35,709
    Trading liabilities $0
    Other borrowed funds $334,320
    Subordinated debt $0
    All other liabilities $19,573

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $2,550,353
    Loan and leases loss allowance $12,232
    Total loans and leases (domestic) $2,562,585
    All real estate loans $1,814,793
    Real estate loans in domestic offices $1,814,793
    Construction and development loans $233,158
    Residential 1-4 family construction $43,815
    Other construction, all land development and other land $189,343
    Loans secured by nonfarm nonresidential properties $710,796
    Nonfarm nonresidential secured by owner-occupied properties $341,889
    Commercial real estate & other non-farm, non-residential $368,907
    Multifamily residential real estate $56,306
    1-4 family residential loans $668,975
    Farmland loans $145,558
    Loans held in foreign offices $0
    Farm loans $90,895
    Commercial and industrial loans $585,509
    To non-U.S. addressees $0
    Loans to individuals $61,022
    Credit card loans $945
    Related Plans $3,868
    Consumer Auto Loans $26,916
    Other loans to individuals $29,293
    All other loans & leases $10,366
    Loans to foreign governments and official institutions $0
    Other loans $9,130
    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 $2,550,353,000 of loans outstanding in 2019. $1,814,793,000 of loans were in real estate loans. $233,158,000 of loans were in development loans. $56,306,000 of loans were in multifamily mortgage loans. $668,975,000 of loans were in 1-4 family mortgage loans. $90,895,000 of loans were in farm loans. $945,000 of loans were in credit card loans. $26,916,000 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 826 $162,110 $196,259
    Nonfarm, nonresidential loans - <$100k 290 $11,495 $39,638
    Nonfarm, nonresidential loans - $100-250k 269 $35,760 $132,937
    Nonfarm, nonresidential loans - $250k-1MM 267 $114,855 $430,169
    Commercial & Industrial, US addressed loans - <$1MM 1,393 $105,341 $75,622
    Commercial & Industrial, US addressed loans - <$100k 950 $24,921 $26,233
    Commercial & Industrial, US addressed loans - $100-250k 278 $29,639 $106,615
    Commercial & Industrial, US addressed loans - $250k-1MM 165 $50,781 $307,764
    Farmland loans - <$1MM 498 $51,787 $103,990
    Farmland loans - <$100k 242 $9,769 $40,368
    Farmland loans - $100-250k 178 $20,744 $116,539
    Farmland loans - $250k-1MM 78 $21,274 $272,744
    Agriculture operations loans - <$1MM 659 $33,959 $51,531
    Agriculture operations loans - <$100k 484 $11,047 $22,824
    Agriculture operations loans - $100-250k 109 $9,962 $91,394
    Agriculture operations loans - $250k-1MM 66 $12,950 $196,212