PackageTrendsPeer
Letter portraitLegal landscape

Equity Bank

Andover, KS · Cert 25858 · Equity Bancshares Inc.

State charter, Fed member · FED · 83 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets operating regionally3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

64

Q2 2024Q2 2026peer median (50)

Asset Quality

28

Q2 2024Q2 2026peer median (50)

Profitability

61

Q2 2024Q2 2026peer median (50)

Liquidity

75

Q2 2024Q2 2026peer median

Efficiency

55

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Equity Bank

Andover, KS · Cert 25858 · Equity Bancshares Inc.

State charter, Fed member · FED · 83 branches

Q2 2026

$7.7BAssets
$5.4BLoans
$6.3BDeposits
$895.8MEquity
Loan mix
80%RE $4.1B19%C&I $1.0B1%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
81%Interest-bearing $5.1B19%Noninterest $1.2BQ2 2025Q2 2026

NIM

5.55%Q2 ’245.66%Q2 ’255.90%Q2 ’26+11%+5%

Non-interest income vs. expense

2.84%Q2 ’242.90%Q2 ’252.74%Q2 ’26+7%-1%

Market Position · Wichita, KS · 2026 SOD (annual) · 6.2% share · #5 of 46 inst. · $1.4B of $23.2B

6.0% Sedgwick
1.0% Oklahoma
1.1% Johnson
10.9% Saline

Executive Summary

  • Earnings: ROA of 1.37%, up 6 bps year over year; NIM at 4.21%.
  • Asset quality: problem loans at 1.18% of loans (-3 bps YoY), with net charge-offs at 0.11%.
  • Capital: tier 1 leverage ratio of 10.64%, down 50 bps from a year ago.
  • Funding: loans stand at 85.42% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.37%+6 bps YoY

Net Interest Margin (YTD, annualized)

4.21%+21 bps YoY

Efficiency Ratio (YTD, annualized)

55.88%-451 bps YoY

Tier 1 Leverage Ratio

10.64%-50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.31%0.28%0.55%1.15%1.37%+6 bps
Return on Equity11.82%2.56%4.89%9.83%11.77%-5 bps
Net Interest Margin4.00%3.73%3.87%4.15%4.21%+21 bps
Efficiency Ratio60.40%61.45%60.45%59.68%55.88%-451 bps
Non-Interest Burden2.19%2.11%2.15%2.32%2.18%-1 bps
Growth
Asset Growth (YoY)2.34%18.89%18.93%40.85%43.89%+4,155 bps
Loan Growth (YoY)4.18%18.53%19.94%49.67%50.20%+4,601 bps
Deposit Growth (YoY)-1.92%18.01%15.58%40.31%47.93%+4,985 bps
Asset Quality
Nonperforming Loans / Loans1.20%1.21%1.02%1.02%1.18%-3 bps
Net Charge-Offs / Loans0.04%0.06%0.06%0.10%0.11%+7 bps
Allowance / Loans1.26%1.25%1.26%1.18%1.19%-7 bps
Allowance Coverage of NPLs1.0x1.0x1.2x1.2x1.0x0.0x
Capital
Tier 1 Leverage Ratio11.14%10.27%10.60%10.18%10.64%-50 bps
Total Risk-Based Capital15.62%14.28%14.80%13.82%14.22%-140 bps
Equity / Assets11.31%11.34%11.84%11.49%11.61%+30 bps
Liquidity & Funding
Loans / Deposits84.13%82.41%81.05%85.85%85.42%+129 bps
Liquid Assets / Assets5.76%10.05%8.29%6.38%6.22%+46 bps
CRE / Total Capitaln/a311%302%336%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Equity Bank

Andover, KS · Cert 25858 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Equity Bancshares Inc.

State charter, Fed member · FED · 83 branches

Q2 2026

$7.7BAssets
$5.4BLoans
$6.3BDeposits
$895.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 88% of banks $1B-$10B in assets operating regionally (rank 21 of 176).
  • Widest gap: net charge-offs / loans trails 72% of banks $1B-$10B in assets operating regionally (rank 128 of 176).
  • Overall: at or above the peer median on 6 of 9 directional measures.

Return on Assets

1.28%

Rank 82 of 176

Net Interest Margin

4.21%

Rank 21 of 176

Efficiency Ratio

58.46%

Rank 80 of 176

Equity / Assets

11.61%

Rank 48 of 176

Non-interest income vs. expense

$41.1M$200.7MINCOMEEXPENSE
Unfavorable gap of $159.5M · efficiency ratio beats 55% of banks $1B-$10B in assets operating regionally
Bank 58.46%Peer median 59.6%Q2 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.28%0.93%1.26%1.54%Beats 53%82 / 176
Return on Equity11.06%9.26%11.89%14.46%Beats 41%103 / 176
Net Interest Margin4.21%3.25%3.59%3.93%Beats 88%21 / 176
Efficiency Ratio58.46%52.79%59.55%67.66%Beats 55%80 / 176
Asset Quality
Nonperforming Loans / Loans1.18%0.30%0.64%1.32%Beats 28%128 / 176
Net Charge-Offs / Loans0.09%0.01%0.04%0.10%Beats 28%128 / 176
Capital
Tier 1 Capital Ratio13.08%11.15%12.72%14.15%Beats 58%74 / 176
Total Risk-Based Capital Ratio14.22%11.81%13.63%15.33%Beats 61%69 / 176
Equity / Assets11.61%9.16%10.35%11.80%Beats 73%48 / 176
Liquidity & Funding
Loans / Deposits85.42%80.94%89.73%97.21%36th pctl112 / 176
Loans / Assets70.11%69.25%75.12%80.82%28th pctl127 / 176
Brokered Deposits / Depositsn/aNot reported for this institution