Equitable Savings and Loan Association
Sterling, CO
IDRSSD: 206473
Total Assets
$166.61M
Latest filing
Total Deposits
$125.96M
Latest filing
Net Interest Margin
3.35%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Equitable Savings and Loan Association
221 N 3rd St
Sterling, CO 80751
Full Service - Brick and Mortar
Updated 11/14/2025Established 01/01/1921FDIC Certificate 43541
Branches (9)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Equitable Savings and Loan Association (Main) | 221 N 3rd St | Sterling, CO |
| BRUSH BRANCH | 300 Clayton St | Brush, CO |
| BURLINGTON BRANCH | 1420 Lowell Ave | Burlington, CO |
| FORT MORGAN BRANCH | 331 Main St | Fort Morgan, CO |
| JULESBURG BRANCH | 120 Cedar St | Julesburg, CO |
| AKRON BRANCH | 201 Main Ave | Akron, CO |
| WRAY BRANCH | 300 Main St | Wray, CO |
| YUMA BRANCH | 222 S Main St | Yuma, CO |
Showing 7 of 9
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | N/A |
| Primary Regulator | FDIC |
| Established Date | 01/01/1921 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 80751 |
| State and County Number | 08075 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 35 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Sterling, CO |
Operational Info
| Number of Employees | 48 |
| Domestic Offices | 10 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 08/09/1989 |
| Primary Insurance Agency | DIF |
| Website | www.equitable-savings.com |
| Data Updated | 11/14/2025 |
| CERT | 30707 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $166.61M |
| Total Deposits | $125.96M |
| Total Liabilities | $140.35M |
| Total Equity Capital | $26.26M |
| Net Income | $95.00k |
| Net Loans and Leases | $144.41M |
| Assets Per Employee ($Millions) | $3.47M |
| Bank Premises and Fixed Assets | $1.06M |
| Cash and Balances due from Depository Institutions | $6.23M |
| Deposits Held in Domestic Offices | $125.96M |
Key Performance Ratios
| Return on Assets (ROA) | 0.23% |
| Return on Equity (ROE) | 1.45% |
| Net Interest Margin | 3.35% |
| Efficiency Ratio | 91.86% |
| Tier 1 Risk-Based Capital Ratio | 29.355% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 15.76% |
| Earning Assets to total Assets | 95.56% |
Income and Expense
| Total Interest Income | $1.89M |
| Total Noninterest Income | $229.00k |
| Total Interest Expense | $587.00k |
| Total Noninterest Expense | $1.41M |
| Net Interest Income | $1.31M |
| Pre-tax Net Operating Income | $125.00k |
| Provision for Credit Losses | $0 |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $106.00k |
| Other borrowed funds | $13.82M |
| Federal Funds Sold & Reverse Repurchase Agreement | $1.49M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $572.00k |
| Total Liabilities and Capital | $166.61M |
Securities
| Securities | $10.05M |
| Available-for-sale debt securities | $10.05M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Equitable Savings and Loan Association?
$166.61M as of the latest filing.
How much are Equitable Savings and Loan Association's total deposits?
$125.96M in total deposits.
Where is Equitable Savings and Loan Association located?
Sterling, CO.
What is the Net Interest Margin?
3.35%.
How many domestic offices does it operate?
10.
When was it established?
01/01/1921.
What is the Return on Assets (ROA)?
0.23%.
How much are total loans and leases?
$144.41M (latest filing).
What is the total interest income (latest filing)?
$1.89M.