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Equity Bank

Popular Accounts at this Bank

1.25%Reward CheckingEquity Platinum Checking
0.05%SavingsEquity ECO Savings
0.35%Money MarketEquity Platinum Money Market

Overview / Commentary
225 W Central
Andover, KS 67002

Equity Bank is headquartered in Andover and is the 4th largest bank in the state of Kansas. It is also the 359th largest bank in the nation. It was established in 1985 and as of June of 2017, it had grown to 459 employees at 39 locations. Equity Bank's money market rates are 2X the national average, and it has a B+ health rating.

Reviews (3)

Great regional bank.

I originally was a customer of this bank when they were still called First Community Bank. Since the bank was changed, they have become more modernized and efficient. I am able to check my balances and make account changes online without issue. They are also very responsive to phonecalls and emails. In person the staff is very friendly and helpful. The only downside is they still lack some of the features that other banks have. My wife and I both have checking and savings accounts with Equity. I have used both accounts for many years and have no issues with depositing or withdrawing money. I love that the website shows when money is scheduled to be posted to the account and when it is to be withdrawn. There are no hidden fees or extra service charges with our accounts so we don't have to worry about using the debt card we have. Also the theft prevention is a great feature and we can instantly dispute any transactions that are fraudulent and they also will contact you should unusual activity occur. I have been using direct deposit with this bank for years and have never once had an issue with money being added to the account.

Beware Of Your Loan Balance!

Posted by: kwaddell | Jun 12, 2015

Beware of your loan balance. Equity Bank uses Interest 9 or I9 software to calculate their loan balances. This was found by a court of law to be flawed and charges additional interest. Even though we questioned the payoff of our loan on multiple occasions, Equity Bank did not even do the math to determine why we questioned the payoff. We had to go all the way to trial before they admitted the mistake.

Rude Customer Service At Bank Locations And A Catch 22 On Home Equity Loans

Posted by: ktdohbank | Dec 2, 2013

At Equity Bank they will never let you "pay off" your home equity in full. There is always a residual interest amount. No matter how many times you try to pay off the loan and who you talk to- it doesn't matter. I have now tried to pay off my home equity loan in full twice and they are again telling me that I owe interest on my $0 balance.
So I'm trying to close my account out and they took more interest as "payment" out of my checking account.
The location agents and managers know nothing about customer service and chose to argue with the customer instead of providing a break down of the information to find the root cause of the issue. I CANNOT WAIT to be done with this bank. Don't EVER use them.


Health Grade Components

FDIC Certificate #25858
Year Established1985
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.05%
Return on Equity - YTD9.06%
Annual Interest Income$48.3MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$2.41B$1.55B
LoansQ2 2017vs Q2 2016$1.53B$978.1MM
DepositsQ2 2017vs Q2 2016$1.83B$1.21B
Equity CapitalQ2 2017vs Q2 2016$281.9MM$154.2MM
Loan Loss AllowanceQ2 2017vs Q2 2016$7.6MM$6.0MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$25.9MM$7.9MM
Real Estate OwnedQ2 2017vs Q2 2016$11.7MM$4.9MM
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Equity Bank Savings Account Rates

0.05%--Equity ECO Savings

Equity Bank Money Market Rates

1.00%*$50k*-Equity Chrome Money Market
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $50k
0.75%*$50k*-Equity Titanium Money Market
OTHER TIERS: 0.01% Up to $25k | 0.50% $25k - $50k
0.35%*$100k*-Equity Platinum Money Market
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $50k | 0.25% $50k - $100k

Equity Bank Checking Account Rates

1.25%*-$25kEquity Platinum Checking
OTHER TIERS: 0.05% $25k+
0.05%*$5k*-Community Checking
OTHER TIERS: 0.03% Up to $5k
0.05%$1k-DBA (Sole Proprietor Checking)
0.03%--Equity Gold Checking