Bank · FDIC insured
Equitable Savings & Loan Association
A $168.3M bank headquartered in Sterling, CO, with 10 branches in Colorado. Best rates: CDs 3.98% and savings 0.10% APY.
Equitable Savings & Loan Association Carrot Score
64
Carrot Score
Higher than 12% of U.S. banks and credit unions
#7 of 7 in Fort Morgan, CO metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Equitable Savings & Loan Association
Equitable Savings & Loan Association was founded in 1954 in Brush, Colorado, and is locally owned and operated with its home office in Sterling, Colorado.
The bank operates 10 full-service branches across northeastern Colorado and specializes primarily in residential real estate lending.
- Headquarters
- 221 N 3rd St, Sterling, CO 80751
- FDIC certificate
- 30707 ↗
Branches
10 branches in Colorado
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Colorado
10 branches
Fort Morgan area · 2
- Brush Branch300 Clayton St, Brush, CO 80723Directions
- Fort Morgan Branch331 Main St, Fort Morgan, CO 80701Directions
Sterling area · 1
- Equitable Savings and Loan AssociationMain office221 N 3rd St, Sterling, CO 80751Directions
Akron area · 1
- Akron Branch201 Main Ave, Akron, CO 80720Directions
Burlington area · 1
- Burlington Branch1420 Lowell Ave, Burlington, CO 80807Directions
Fort Collins area · 1
- Fort Collins Branch300 E Horsetooth Rd, Fort Collins, CO 80525Directions
Julesburg area · 1
- Julesburg Branch120 Cedar St, Julesburg, CO 80737Directions
Limon area · 1
- Limon Branch888 Main St, Limon, CO 80828Directions
Wray area · 1
- Wray Branch300 Main St, Wray, CO 80758Directions
Yuma area · 1
- Yuma Branch222 S Main St, Yuma, CO 80759Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 15.69% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.22% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.11% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $109 | $81 | — |
- CapitalLeverage ratio15.69%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.22%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.11%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$109Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Equitable Savings & Loan Association are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.