Equity Bank: how it compares with its peers
Against 223 U.S. banks with half to twice its assets, Equity Bank's strongest measure in Q2 2026 is net interest margin (4.59% vs. a 3.68% peer median). Its weakest relative measure is assets per employee ($7.5M vs. $10.1M).
| Measure | Equity Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.37% | 1.34% | Middle third Ahead of 53% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.59% | 3.68% | Top third Ahead of 88% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 55.88% | 54.86% | Middle third Ahead of 46% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.5M | $10.1M | Bottom third Ahead of 17% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.40% | 88.23% | Context |
What it means for lending operations
Its efficiency ratio of 55.88% is above the 54.86% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Preferred Bank Los Angeles, CA · $7.73B
- Bangor Savings Bank Bangor, ME · $7.74B
- Stockman Bank of Montana Miles City, MT · $7.75B
- Kearny Bank Kearny, NJ · $7.67B
- Ocean Bank Miami, FL · $7.63B
- Bank of Colorado Fort Collins, CO · $7.61B
Questions about Equity Bank
How big is Equity Bank?
Equity Bank, established in 1985, is headquartered in Andover, KS. It reported $7.71B in total assets in its Q2 2026 FDIC call report and operates 82 offices.
What is Equity Bank's return on assets?
1.37% annualized in Q2 2026, against a 1.34% median for 223 U.S. banks with half to twice its assets, ahead of 53% of them.
What is Equity Bank's efficiency ratio?
55.88% in Q2 2026: it spent about 56 cents in noninterest expense for each dollar of revenue. The peer median is 54.86%, and lower is better.
Is Equity Bank growing its loans?
Net loans grew 50.3% over the year to Q2 2026, while deposits grew 47.9%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are U.S. banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Kansas bank ranked.