EQUITY BANCSHARES INC

Listed Company

EQBKCIK 0001227500NYSEAcceleratedState Commercial BanksKansasFY ends Dec 31

Period

FY 2025

Revenue

—

Net Income

—

Total Assets

$6.37B

Equity

$732.05M

Shares Out

20.64M

Op. Cash Flow

$51.37M

EQBK$50.42+24.97% · past yearDBEQ Basic

Daily closing prices

Business

Equity Bancshares Inc is a financial holding company providing commercial and personal banking services through its subsidiary Equity Bank, which operates 77 branches across Arkansas, Kansas, Missouri, and Oklahoma. The company offers lending products including commercial real estate, commercial and industrial, residential, agricultural and consumer loans, as well as deposit accounts, treasury management, trust and wealth management services. Operating as a strategic consolidator of community banks, Equity Bancshares serves businesses, business owners and individuals primarily in metropolitan and community markets across the Midwest.

Summary from 10-K filed 2026-03-06

Financials

Consolidated Statement of Income

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Loans, including fees	277	246	211	161	137
Securities, taxable	39	39	24	23	16
Securities, nontaxable	1	2	2	3	3
Federal funds sold and other	14	10	10	2	1
Total interest and dividend income	331	297	247	188	157
Deposits	88	90	70	16	8
Federal funds purchased and retail repurchase agreements	936,000	1	931,000	232,000	104,000
Federal Home Loan Bank advances	8	10	4	2	169,000
Federal Reserve Bank borrowings	—	1	5	—	—
Subordinated debt	7	8	8	7	6
Total interest expense	105	111	88	25	—
Net interest income	226	186	159	163	143
Provision (reversal) for credit losses	9	3	2	125,000	−8
Net interest income after provision (reversal) for credit losses	217	184	157	163	151
Increase in value of bank-owned life insurance	8	5	4	3	4
Net gain on acquisition and branch sales	0	2	0	962,000	585,000
Net gain (loss) from securities transactions	−53	220,000	−52	5,000	406,000
Other	8	11	8	9	6
Total non-interest income	−16	39	−19	36	33
Salaries and employee benefits	85	73	64	62	54
Net occupancy and equipment	16	14	12	12	10
Data processing	20	20	17	16	13
Professional fees	6	7	6	5	5
Advertising and business development	5	5	5	5	3
Telecommunications	2	3	2	2	2
FDIC insurance	3	2	2	1	2
Courier and postage	3	3	2	2	1
Free nationwide ATM cost	2	2	2	2	2
Amortization of core deposit intangibles	5	4	3	4	4
Loan expense	890,000	601,000	540,000	828,000	934,000
Other real estate owned and repossessed assets, net	1	−8	617,000	247,000	—
Merger expenses	8	4	297,000	594,000	9
Loss on debt extinguishment	1	0	0	—	372,000
Other	16	14	17	16	12
Total non-interest expense	175	144	136	128	119
Income (loss) before income tax	26	78	2	70	64
Provision (benefit) for income taxes	4	16	−5	13	12
Net income (loss) and net income (loss) allocable to common stockholders	23	63	8	58	52
Basic earnings (loss) per share	1.24	4.04	0.5	3.56	3.49
Diluted earnings (loss) per share	1.23	4	0.5	3.51	3.43

Consolidated Balance Sheet

As of · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Cash and due from banks	608	384	363	104	259
Federal funds sold	255,000	244,000	16	415,000	823,000
Cash and cash equivalents	608	384	379	104	260
Interest-bearing deposit in other banks	575,000	—	—	—	—
Available-for-sale securities	1,031	1,004	920	1,184	1,327
Held-to-maturity securities, fair value of $5,409 and $5,214	5	5	2	2	—
Loans held for sale	1	513,000	476,000	349,000	4
Loans, net of allowance for credit losses	4,145	3,458	3,289	3,266	3,107
Other real estate owned, net	5	5	2	4	10
Premises and equipment, net	137	117	113	101	104
Bank-owned life insurance	148	133	125	123	121
Federal Reserve Bank and Federal Home Loan Bank stock	34	28	21	22	18
Interest receivable	33	29	25	21	18
Goodwill	82	53	53	53	54
Core deposit intangibles, net	22	15	7	11	15
Other	121	101	98	90	100
Total assets	6,373	5,332	5,035	4,982	5,138
Demand	1,148	954	898	1,098	1,244
Total non-interest-bearing deposits	1,148	954	898	1,098	1,244
Demand, savings and money market	3,005	2,684	2,484	2,330	—
Time	985	737	764	814	654
Total interest-bearing deposits	3,990	3,421	3,247	3,144	3,176
Total deposits	5,138	4,375	4,145	4,242	4,420
Federal funds purchased and retail repurchase agreements	40	37	44	46	56
Federal Home Loan Bank advances	300	178	100	139	—
Subordinated debt	98	97	97	96	96
Contractual obligations	10	12	19	15	18
Interest payable and other liabilities	55	39	36	33	47
Total liabilities	5,641	4,739	4,582	4,572	4,637
Commitments and contingent liabilities, see Notes 20 and 21	—	—	—	—	—
Common stock	249,000	230,000	207,000	205,000	203,000
Additional paid-in capital	665	584	489	485	479
Retained earnings	205	195	141	140	88
Accumulated other comprehensive income (loss)	7	−55	−58	−114	2
Treasury stock	−145	−131	−120	−102	−69
Total stockholders equity	732	593	453	410	501
Total liabilities and stockholders equity	6,373	5,332	5,035	4,982	5,138

Consolidated Statement of Cash Flows

Year Ended · In millions, except per-share amounts

Concept	FY 2025 2025-12-31	FY 2024 2024-12-31	FY 2023 2023-12-31	FY 2022 2022-12-31	FY 2021 2021-12-31
Stock-based compensation	6	4	3	3	3
Depreciation	6	5	5	4	4
Amortization of operating lease right-of-use asset	491,000	475,000	604,000	714,000	480,000
Amortization of cloud computing implementation costs	82,000	138,000	188,000	188,000	171,000
Net amortization (accretion) of purchase valuation adjustments	−7	−2	−618,000	−4	18
Amortization (accretion) of premiums and discounts on securities	−4	−2	4	6	10
Amortization of intangible assets	5	4	4	4	4
Deferred income taxes	−5	796,000	−2	3	2
Federal Home Loan Bank stock dividends	−1	−1	−594,000	−369,000	−55,000
Loss (gain) on sales and valuation adjustments on other real estate owned	612,000	−8	218,000	80,000	−839,000
Net loss (gain) on sales and settlements of securities	53	267,000	52	−79,000	−373,000
Change in unrealized (gains) losses on equity securities	−1,000	−487,000	−104,000	74,000	−68,000
Loss (gain) on disposal of premises and equipment	76,000	−66,000	−103,000	−41,000	−18,000
Loss (gain) on lease termination	3,000	0	173,000	—	−2,000
Loss (gain) on sales of foreclosed assets	−49,000	95,000	58,000	−345,000	−36,000
Loss (gain) on sales of loans	−454,000	54,000	−472,000	−1	−3
Originations of loans held for sale	−25	−35	−25	−46	−101
Proceeds from the sale of loans held for sale	25	37	25	51	112
Increase in the value of bank-owned life insurance	−8	−5	−4	−3	−4
Change in fair value of derivatives recognized in earnings	176,000	−95,000	522,000	−1	−336,000
Gain on acquisition and branch sales	0	−2	0	−962,000	−585,000
Payments on operating lease payable	−615,000	−612,000	−915,000	−771,000	−608,000
Interest receivable	3	−614,000	−5	−3	2
Other assets	−18	11	6	22	−7
Interest payable and other liabilities	−11	1	6	−18	21
Net cash provided by operating activities	51	74	77	74	103
Purchases of available-for-sale securities	−796	−184	−510	−182	−785
Purchases of held-to-maturity securities	0	−3	−275,000	−2	—
Proceeds from sales, calls, pay-downs and maturities of available-for-sale securities	820	288	789	168	473
Proceeds from calls, pay-downs and maturities of held-to-maturity securities	27,000	226,000	17,000	3,000	—
Net change in interest-bearing time deposits	−9,000	0	0	—	249,000
Net change in loans	31	16	−24	−182	218
Purchase of government guaranteed loans	−62	−49	−1	−2	—
Capitalized construction cost of other real estate owned	0	0	−562,000	−12,000	—
Purchase of premises and equipment	−13	−8	−16	−3	−5
Proceeds from sale of premises and equipment	448,000	706,000	163,000	164,000	24,000
Proceeds from sale of foreclosed assets	6	928,000	110,000	30	161,000
Net redemptions (purchases) of Federal Home Loan Bank and Federal Reserve Bank stock	−4	−6	2	−4	3
Net redemptions (purchases) of correspondent and miscellaneous other stock	−814,000	−543,000	−12	−5	−82,000
Proceeds from sale of other real estate owned	2	9	2	9	5
Purchase of bank-owned life insurance	0	−60	0	—	−25
Proceeds from bank-owned life insurance death benefits and policy surrenders	4	57	2	723,000	2
Net cash (used in) provided by investing activities	137	124	232	−214	−315
Net increase (decrease) in deposits	−43	−163	−96	−106	229
Net change in federal funds purchased and retail repurchase agreements	−2	−16	−3	−10	6
Net borrowings (repayments) on Federal Home Loan Bank line of credit	122	72	−139	139	—
Proceeds from Federal Home Loan Bank term advances	1,196	1,200	1,366	414	303
Principal repayments on Federal Home Loan Bank term advances	−1,200	−1,201	−1,266	−414	−327
Proceeds from Federal Reserve Bank borrowings	3	1	141	—	—
Principal payments on Federal Reserve Bank borrowings	−3	−141	−1	−1	—
Principal payments on bank stock loan	0	−691,000	0	—	—
Proceeds from issuance of common stock, net	−73,000	87	0	—	—
Proceeds from exercise of employee stock options	316,000	4	203,000	2	4
Proceeds from employee stock purchase plan	882,000	726,000	784,000	792,000	569,000
Proceeds from subordinated debt	75	0	0	—	—
Debt issue cost	−1	0	0	—	−16,000
Principal payments on subordinated debt	−75	0	0	—	—
Purchase of treasury stock	−14	−12	−18	−33	−19
Net change in contractual obligations	−12	−16	−12	−2	−2
Dividends paid on common stock	−11	−8	−7	−6	−1
Net cash provided by (used in) financing activities	36	−193	−34	−15	192
Net change in cash and cash equivalents	224	5	275	−156	−21
Interest paid	100	116	81	26	15
Income taxes paid, net of refunds	−11	6	3	1	5
Other real estate owned acquired in settlement of loans	3	3	1	2	1
Other real estate owned transferred from premise and equipment	0	2	0	2	1
Other repossessed assets acquired in settlement of loans	1	5	505,000	47,000	29
Operating leases recognized	1	784,000	690,000	—	32,000
Purchase of investments in tax credit structures and resulting contractual obligations	11	9	16	—	—

Filings

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Frequently asked questions

What is EQUITY BANCSHARES INC's CIK number?

EQUITY BANCSHARES INC's SEC CIK number is 0001227500 (1227500). The CIK (Central Index Key) is the permanent identifier the SEC assigns to every EDGAR filer — unlike a ticker symbol, it never changes.

Where can I find EQUITY BANCSHARES INC's SEC filings?

All of EQUITY BANCSHARES INC's EDGAR filings — 10-K annual reports, 10-Q quarterly reports, 8-K material events, and insider transactions — are listed on this page, sourced live from SEC EDGAR.

When did EQUITY BANCSHARES INC last report earnings?

EQUITY BANCSHARES INC (EQBK) most recently filed an earnings 8-K with the SEC on Jul 14, 2026, furnishing its results under Item 2.02 (Results of Operations and Financial Condition). The earnings press release is attached to that filing (accession 0001193125-26-303176). This is EQUITY BANCSHARES INC's most recent earnings filing of record — not a forecast of its next earnings date.

What is EQUITY BANCSHARES INC's most recent earnings 8-K?

EQUITY BANCSHARES INC's latest earnings 8-K (Item 2.02) was filed Jul 14, 2026 under accession 0001193125-26-303176. It carries the quarterly or annual earnings press release — the earliest official, SEC-filed version of the results.

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