🏦Bank Scorer

This institution is no longer active

Operations ceased on February 28, 1997. CRA examination history below reflects the period it was active.

EQUITY BANK

PALM BEACH COUNTY, FL · Supervised by FDIC

Est. 1985FDIC #26,380RSSD: FDIC-26380
Satisfactory Same

Current rating · Exam: May 1995

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.15%

Institution Profile

FDIC BankFind

Address

5030 Linton Boulevard, PALM BEACH COUNTY, FL

County

Palm Beach County

Established

October 1, 1985

Total Assets

$74M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 1995

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 31 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q4 1996Call Report / FDIC

Total Assets

$74M

Total Deposits

$64M

Net Loans

$57M

Net Income

$793K

ROA

1.15%

ROE

10.69%

Risk-Based Capital

13.88%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate16.94%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,56468.61%16.94%
20231,55072.65%12.00%
20221,87774.21%14.86%
20211,24378.92%7.96%
20201,39173.11%10.93%
20191,62575.57%8.80%
20181,51679.82%9.50%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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