Equity Bank
Equity Bank is a privately held Minnetonka, Minnesota-based financial institution specializing in investment lines of credit and real estate loans, with documented commercial lending exposure to restaurant franchise borrowers including an Applebee's franchisee.
- Company typePrivate
- Founded-
- HeadquartersMinnetonka, United States
- Headcount—
- GTM typeB2B
- OfferingServices
What Equity Bank does
Equity Bank is a privately held, for-profit financial institution headquartered in Minnetonka, Minnesota, that specializes in investment lines of credit and real estate loans. The bank operates from a local base in the Minneapolis-St. Paul metro area and appears to focus on commercial specialty lending rather than mass-market retail banking. Its documented lending footprint includes a credit relationship with Neighborhood Restaurant Partners (NRPF Group Two), an Atlanta-based Applebee's franchisee that filed for Chapter 11 bankruptcy in the Northern District of Georgia, owing Equity Bank more than $13 million.
The bank's business model is consistent with a small specialty commercial lender: originating and holding credit facilities in defined verticals (investment lines of credit, real estate) and earning revenue primarily through net interest income and associated fees on those loans. No publicly disclosed pricing models, customer segmentation strategy, GTM motion, or product catalog details are available. The firm has no disclosed headcount, no parent company, no subsidiaries, no M&A history, no funding rounds, and no leadership team information in the available sources. Its operating geographies beyond the Minnetonka headquarters are not specified, though the NRPF relationship demonstrates lending activity extending to the Southeastern U.S. restaurant sector.
No technology stack, digital channels, app presence, or AI capabilities are documented. The firm's website (equitybankmn.com) returns only a tracking pixel and a privacy link in the available data capture, with no substantive product or service content. Operating status is presumed active based on its documented role as a lender in live bankruptcy proceedings, but no first-party confirmation of active operations is available. Overall, the public information footprint is thin and consists almost entirely of the creditor relationship with NRPF Group Two.
Equity Bank firmographics
Firmographics- Name
- Equity Bank
- Website
- https://equitybankmn.com
- Company type
- Private
- Operating status
- Operating
- Short description
- Equity Bank is a privately held Minnetonka, Minnesota-based financial institution specializing in investment lines of credit and real estate loans, with documented commercial lending exposure to restaurant franchise borrowers including an Applebee's franchisee.
- Ownership category
- akta.pro rank
Equity Bank industry classification
Industry- Product category
- Commercial Lending
- NAICS
- Depository Credit Intermediation (5221), Commercial Banking (52211)
- SIC
- Short-Term Business Credit Institutions (6153), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Embedded Lending & Credit (POS, Working Capital, Credit Lines) (FSAGALAD)
- akta.pro secondary industry
- Closed-End Home Equity Loans (Second Mortgages) (FSALAGAA)
Keywords
Where Equity Bank is headquartered
LocationHeadquarters
- HQ city
- Minnetonka
- HQ country
- United States
- HQ region
- North America
Markets served
Equity Bank business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Operations, Personnel
Equity Bank product offering
Product offeringCore offering
Equity Bank is a financial institution headquartered in Minnetonka, Minnesota that specializes in providing investment lines of credit and real estate loans. The bank operates as a lender extending credit to commercial borrowers, including franchise operators in the restaurant industry.
Differentiator
Problem solved
Functional benefit
Products and services
- Investment Lines of Credit Revolving credit facilities extended by Equity Bank to commercial borrowers for investment purposes, evidenced by a $13 million+ credit exposure to a franchisee borrower.
- Real Estate Loans Real estate-secured loan products offered by Equity Bank to borrowers for property-related financing needs.
Companies that use Equity Bank
Customer profileNamed customers1 record
Ideal customer profiles1 record
Equity Bank technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Equity Bank partnerships and signals
Strategic signalScale indicators1 record
Recent moves1 record
Equity Bank competitors and assessment
Company assessmentBroad incumbents
- Old National Bancorp: Larger Midwest regional bank with a full suite of commercial, real estate, and specialty lending products; broader and more diversified than Equity Bank, but overlapping in the same real-estate and commercial credit categories.
- loanDepot: National specialty lender focused on residential real estate and home equity credit products; provides a public-market comparable for the real estate loan segment of Equity Bank's book, though operating at materially greater scale.
Direct peers
- Nicolet National Bank: Mid-sized community bank with a meaningful commercial real estate and specialty lending book, operating across the upper Midwest; directly comparable as a regional specialty lender serving similar borrower profiles.
- Stearns Bank: Minnesota-based privately held community bank that focuses on specialty commercial lending, including niche credit products and real estate loans — directly comparable to Equity Bank's stated specialization in lines of credit and real estate lending.
- Alerus Financial: Upper Midwest-based community bank and specialty lender with commercial real estate and business credit offerings; similar in size and regional positioning to a small Minnetonka-based lender like Equity Bank.
- First Bank & Trust (Minnesota): Minnesota-headquartered community bank with a commercial and real estate lending orientation; highly comparable on geography and product mix to Equity Bank's Minnetonka footprint.
- Bridgewater Bank: Twin Cities-based community bank with a commercial and real estate lending focus serving small and mid-sized businesses; comparable in size, geography, and loan-mix orientation to Equity Bank.
Regional players
- Wings Financial Credit Union: Minnesota-based depository institution offering consumer and real estate lending products; comparable in geography and certain product categories (lines of credit, real estate loans), though structured as a credit union rather than a bank.
Market position
Strengths3 records
Weaknesses3 records
Competitive moat1 record
Key risks4 records
Key highlights3 records
Customer concentration
Equity Bank financial estimates
Financial estimateRevenue estimate
Valuation estimate
Equity Bank leadership team
Management profileNumber of profiles
Equity Bank funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Equity Bank M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Equity Bank
What does Equity Bank do?
Equity Bank is a financial institution headquartered in Minnetonka, Minnesota that specializes in providing investment lines of credit and real estate loans. The bank operates as a lender extending credit to commercial borrowers, including franchise operators in the restaurant industry.
When was Equity Bank founded?
Equity Bank was founded in -1.
Where is Equity Bank based?
Equity Bank is headquartered in Minnetonka, United States, in the North America region.
Who are Equity Bank's main competitors?
Broad incumbents on record are Old National Bancorp and loanDepot. Direct peers are Nicolet National Bank, Stearns Bank, Alerus Financial, First Bank & Trust (Minnesota) and Bridgewater Bank. Wings Financial Credit Union is listed as a regional player.
Does Equity Bank have an API?
No public API is recorded for Equity Bank.
What industry is Equity Bank in?
Equity Bank's product category is Commercial Lending. Its primary akta.pro industry code is FSAGALAD, Embedded Lending & Credit (POS, Working Capital, Credit Lines), with a secondary code of FSALAGAA, Closed-End Home Equity Loans (Second Mortgages). Its NAICS code is 5221 and its SIC code is 6153.