NYSE: EQBK
EQUITY BANCSHARES INCCIK 0001227500 · SIC 6022 · State Savings Banks
Large by assets
Assets $7.7B
as of Oct 20, 2026
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424B3
Filed Oct 20, 2026
Red flag
Equity Bancshares to acquire Lincoln Bancorp in stock-and-cash merger; Lincoln holders to own 9.2% of combined company
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8-K
Filed Oct 14, 2026
· Period ending Oct 14, 2026
Summary not yet generated.
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8-K
Filed Oct 5, 2026
· Period ending Oct 1, 2026
Summary not yet generated.
8-K
Filed Sep 14, 2026
· Period ending Sep 10, 2026
Summary not yet generated.
8-K
Filed Sep 3, 2026
· Period ending Sep 2, 2026
Summary not yet generated.
10-Q
Filed Aug 7, 2026
· Period ending Jun 30, 2026
Summary not yet generated.
10-Q
Filed May 8, 2026
· Period ending Mar 31, 2026
Summary not yet generated.
10-K/A
Filed Mar 10, 2026
· Period ending Dec 31, 2025
Summary not yet generated.
10-K
Filed Mar 6, 2026
· Period ending Dec 31, 2025
Summary not yet generated.
424B3
Filed Nov 24, 2025
Summary not yet generated.
424B3
Filed Aug 21, 2025
Summary not yet generated.
10-K
Filed Mar 7, 2025
· Period ending Dec 31, 2024
Summary not yet generated.
424B5
Filed Dec 3, 2024
Summary not yet generated.
424B5
Filed Dec 2, 2024
Summary not yet generated.
424B4
Filed Nov 12, 2015
Summary not yet generated.
S-1/A
Filed Nov 2, 2015
Summary not yet generated.
S-1/A
Filed Oct 27, 2015
Summary not yet generated.
S-1
Filed Oct 9, 2015
Summary not yet generated.
Latest financial statements
From 10-Q filed Aug 7, 2026 (period ending Jun 30, 2026). As printed on the EDGAR/iXBRL face — not generated by the model.
Consolidated Statements of Income
(Dollar amounts in thousands, except per share data)
| Description | (unaudited) three months ended June 30, 2026 | (unaudited) three months ended June 30, 2025 | (unaudited) six months ended June 30, 2026 | (unaudited) six months ended June 30, 2025 |
|---|---|---|---|---|
| Interest and dividend income | ||||
| Loans, including fees | 90,577 | 62,868 | 182,039 | 125,865 |
| Securities, taxable | 14,878 | 8,821 | 28,537 | 17,935 |
| Securities, nontaxable | 207 | 358 | 429 | 735 |
| Federal funds sold and other | 2,162 | 2,140 | 4,843 | 4,336 |
| Total interest and dividend income | 107,824 | 74,187 | 215,848 | 148,871 |
| Interest expense | ||||
| Deposits | 30,143 | 20,090 | 60,621 | 39,467 |
| Federal funds purchased and retail repurchase agreements | 208 | 219 | 400 | 467 |
| Federal Home Loan Bank advances | 1,786 | 2,224 | 3,672 | 5,140 |
| Bank stock loan | — | — | 4 | — |
| Subordinated debt | 1,815 | 1,852 | 3,615 | 3,703 |
| Total interest expense | 33,952 | 24,385 | 68,312 | 48,777 |
| Net interest income | 73,872 | 49,802 | 147,536 | 100,094 |
| Provision (reversal) for credit losses | 1,304 | 19 | 7,259 | 2,741 |
| Net interest income after provision (reversal) for credit losses | 72,568 | 49,783 | 140,277 | 97,353 |
| Non-interest income | ||||
| Service charges and fees | 2,414 | 2,177 | 4,907 | 4,241 |
| Debit card income | 3,391 | 3,052 | 6,508 | 5,556 |
| Mortgage banking | 589 | 212 | 937 | 318 |
| Increase in value of bank-owned life insurance | 1,623 | 1,321 | 3,021 | 4,914 |
| Net gain (loss) from securities transactions | (1,213) | 12 | (1,321) | 24 |
| Other | 1,254 | 1,815 | 3,493 | 3,866 |
| Total non-interest income | 8,058 | 8,589 | 17,545 | 18,919 |
| Non-interest expense | ||||
| Salaries and employee benefits | 24,594 | 19,735 | 50,849 | 39,689 |
| Net occupancy and equipment | 4,624 | 3,482 | 9,413 | 7,157 |
| Data processing | 5,190 | 5,055 | 10,578 | 10,141 |
| Professional fees | 1,400 | 1,361 | 3,168 | 2,888 |
| Advertising and business development | 1,547 | 1,208 | 3,213 | 2,552 |
| Telecommunications | 604 | 588 | 1,294 | 1,175 |
| FDIC insurance | 1,165 | 464 | 1,930 | 1,094 |
| Courier and postage | 518 | 834 | 1,163 | 1,633 |
| Free nationwide ATM cost | 595 | 547 | 1,161 | 1,060 |
| Amortization of core deposit intangibles | 2,240 | 1,016 | 4,168 | 2,061 |
| Loan expense | 546 | 281 | 1,044 | 410 |
| Other real estate owned and repossessed assets, net | 35 | 103 | 126 | 204 |
| Loss on debt extinguishment | — | 1,361 | — | 1,361 |
| Merger expenses | 133 | 355 | 5,858 | 421 |
| Other | 3,694 | 3,611 | 7,889 | 7,205 |
| Total non-interest expense | 46,885 | 40,001 | 101,854 | 79,051 |
| Income (loss) before income tax | 33,741 | 18,371 | 55,968 | 37,221 |
| Provision (benefit) for income taxes | 7,302 | 3,107 | 12,563 | 6,916 |
| Net income (loss) and net income (loss) allocable to common stockholders | 26,439 | 15,264 | 43,405 | 30,305 |
| Basic earnings (loss) per share | 1.28 | 0.87 | 2.08 | 1.73 |
| Diluted earnings (loss) per share | 1.27 | 0.86 | 2.06 | 1.72 |
| See accompanying condensed notes to interim consolidated financial statements. | ||||
Consolidated Balance Sheets
(Dollar amounts in thousands)
| Description | (Unaudited) June 30, 2026 | December 31, 2025 |
|---|---|---|
| ASSETS | ||
| Cash and due from banks | 546,129 | 607,562 |
| Federal funds sold | 402 | 255 |
| Cash and cash equivalents | 546,531 | 607,817 |
| Interest-bearing deposit in other banks | 579 | 575 |
| Available-for-sale securities | 1,229,692 | 1,030,568 |
| Held-to-maturity securities, fair value of $5,237 and $5,409 | 5,168 | 5,248 |
| Loans held for sale | 2,723 | 1,392 |
| Loans, net of allowance for credit losses of $64,413 and $52,756 | 5,341,305 | 4,145,424 |
| Other real estate owned, net | 3,793 | 5,388 |
| Premises and equipment, net | 141,098 | 136,720 |
| Bank-owned life insurance | 150,514 | 148,301 |
| Federal Reserve Bank and Federal Home Loan Bank stock | 42,719 | 34,053 |
| Interest receivable | 37,730 | 33,322 |
| Goodwill | 105,356 | 82,101 |
| Core deposit intangibles, net | 28,296 | 21,634 |
| Other | 90,117 | 120,629 |
| Total assets | 7,725,621 | 6,373,172 |
| LIABILITIES AND STOCKHOLDERS’ EQUITY | ||
| Deposits | ||
| Demand | 1,174,903 | 1,148,409 |
| Total non-interest-bearing deposits | 1,174,903 | 1,148,409 |
| Demand, savings and money market | 3,445,538 | 3,004,987 |
| Time | 1,683,376 | 984,868 |
| Total interest-bearing deposits | 5,128,914 | 3,989,855 |
| Total deposits | 6,303,817 | 5,138,264 |
| Federal funds purchased and retail repurchase agreements | 42,826 | 39,864 |
| Federal Home Loan Bank advances | 385,408 | 300,000 |
| Subordinated debt | 98,377 | 98,145 |
| Contractual obligations | 8,520 | 10,208 |
| Interest payable and other liabilities | 59,415 | 54,637 |
| Total liabilities | 6,898,363 | 5,641,118 |
| Commitments and contingent liabilities, see Notes 12 and 13 | ||
| Stockholders’ equity, see Note 8 | ||
| Common stock | 273 | 249 |
| Additional paid-in capital | 767,608 | 664,906 |
| Retained earnings | 241,225 | 205,328 |
| Accumulated other comprehensive income (loss) | (3,820) | 7,032 |
| Treasury stock | (178,028) | (145,461) |
| Total stockholders’ equity | 827,258 | 732,054 |
| Total liabilities and stockholders’ equity | 7,725,621 | 6,373,172 |
Consolidated Statements of Cash Flows
(Dollar amounts in thousands)
| Description | Six months ended June 30, (unaudited) june 30, 2026 | Six months ended June 30, (unaudited) june 30, 2025 |
|---|---|---|
| Cash flows from operating activities | ||
| Net income | 43,405 | 30,305 |
| Adjustments to reconcile net income to net cash from operating activities: | ||
| Stock-based compensation | 3,132 | 2,639 |
| Depreciation | 3,539 | 2,880 |
| Amortization of operating lease right-of-use asset | 684 | 248 |
| Amortization of cloud computing implementation costs | 19 | 41 |
| Provision (reversal) for credit losses | 7,259 | 2,741 |
| Net amortization (accretion) of purchase valuation adjustments | (6,712) | (1,411) |
| Amortization (accretion) of premiums and discounts on securities | (5,937) | (889) |
| Amortization of intangible assets | 4,318 | 2,193 |
| Deferred income taxes | 3,512 | (1,128) |
| Federal Home Loan Bank stock dividends | (498) | (622) |
| Loss (gain) on sales and valuation adjustments on other real estate owned | (72) | (8) |
| Net loss (gain) on sales and settlements of securities | — | (13) |
| Change in unrealized (gains) losses on equity securities | 1,321 | (11) |
| Loss (gain) on disposal of premises and equipment | (1,192) | 15 |
| Loss (gain) on sales and valuation adjustments on repossessed assets | (92) | (34) |
| Loss on debt extinguishment | — | 1,361 |
| Loss (gain) on sales of loans | (820) | (253) |
| Originations of loans held for sale | (41,299) | (12,619) |
| Proceeds from the sale of loans held for sale | 42,231 | 13,169 |
| Increase in the value of bank-owned life insurance | (3,224) | (4,914) |
| Change in fair value of derivatives recognized in earnings | 192 | 193 |
| Payments on operating lease payable | (855) | (307) |
| Net change in: | ||
| Interest receivable | 6,342 | 2,685 |
| Other assets | 9,291 | 15,665 |
| Interest payable and other liabilities | (10,389) | (1,983) |
| Net cash provided by operating activities | 54,155 | 49,943 |
| Cash flows (to) from investing activities | ||
| Purchases of available-for-sale securities | (437,897) | (78,940) |
| Proceeds from sales, calls, pay-downs and maturities of available-for-sale securities | 313,112 | 131,214 |
| Proceeds from calls, pay-downs and maturities of held-to-maturity securities | 112 | 10 |
| Net change in interest-bearing time deposits | 97 | — |
| Net change in loans | 129,665 | (37,239) |
| Purchase of mortgage loans | (15,923) | — |
| Purchase of government guaranteed loans | (33,596) | (61,987) |
| Purchase of premises and equipment | (7,100) | (3,746) |
| Proceeds from sale of premises and equipment | 3,052 | 450 |
| Proceeds from sale of foreclosed assets | 679 | 5,046 |
| Net redemptions (purchases) of Federal Home Loan Bank and Federal Reserve Bank stock | (1,650) | (6,338) |
| Net redemptions (purchases) of correspondent and miscellaneous other stock | (700) | (662) |
| Proceeds from sale of other real estate owned | 1,716 | 456 |
| Proceeds from investments in tax credit structures and resulting contractual obligations | 951 | — |
| Proceeds from bank owned life insurance death benefits | 808 | 4,308 |
| Cash acquired in purchase of Frontier Holdings, LLC | 12,819 | — |
| Net cash (used in) provided by investing activities | (33,855) | (47,428) |
| Cash flows (to) from financing activities | ||
| Net increase (decrease) in deposits | 33,678 | (139,927) |
| Net change in federal funds purchased and retail repurchase agreements | 2,962 | (826) |
| Net borrowings (repayments) on Federal Home Loan Bank line of credit | 98,019 | 205,603 |
| Proceeds from Federal Home Loan Bank term advances | 159,454 | 600,000 |
| Principal repayments on Federal Home Loan Bank term advances | (312,204) | (600,000) |
| Proceeds from Federal Reserve Bank borrowings | 2,000 | 1,000 |
| Principal payments on Federal Reserve Bank borrowings | (2,000) | (1,000) |
| Proceeds from issuance of common stock, net | — | (73) |
| Proceeds from the exercise of employee stock options | — | 112 |
| Proceeds from employee stock purchase plan | 524 | 446 |
| Principal payments on subordinated debt | — | (75,000) |
| Principal payments on bank stock loan | (22,486) | — |
| Purchase of treasury stock | (32,567) | (274) |
| Net change in contractual obligations | (1,688) | (4,777) |
| Dividends paid on common stock | (7,278) | (5,342) |
| Net cash (used in) provided by financing activities | (81,586) | (20,058) |
| Net change in cash and cash equivalents | (61,286) | (17,543) |
| Cash and cash equivalents, beginning of period | 607,817 | 383,747 |
| Ending cash and cash equivalents | 546,531 | 366,204 |
| Supplemental cash flow information: | ||
| Interest paid | 66,532 | 47,762 |
| Income taxes paid, net of refunds | (287) | 10,560 |
| Supplemental noncash disclosures: | ||
| Other real estate owned acquired in settlement of loans | 49 | 297 |
| Other repossessed assets acquired in settlement of loans | 127 | 388 |
| Purchase of investments in tax credit structures and resulting contractual obligations | — | 10,000 |
| Total fair value of assets acquired in purchase of Frontier Holdings, LLC, net of cash | 1,402,787 | — |
| Total fair value of liabilities assumed in purchase of Frontier Holdings, LLC, net of cash | 1,307,265 | — |
Amounts as printed on the EDGAR/iXBRL face — (Dollar amounts in thousands, except per share data); (Dollar amounts in thousands). Labels, columns, and figures are the filing face, not a GAAP stencil. Interactive statements & notes on EDGAR ↗