Andover, KS · Cert 25858 · Equity Bancshares Inc.
State charter, Fed member · FED · 83 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Banks $1B-$10B in assets (n=311 to 317). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
57
Asset Quality
28
Profitability
63
Liquidity
89
Efficiency
56
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.
Andover, KS · Cert 25858 · Equity Bancshares Inc.
State charter, Fed member · FED · 83 branches
Q2 2026
Market Position · Wichita, KS · 2026 SOD (annual) · 6.2% share · #5 of 46 inst. · $1.4B of $23.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.08% | 1.16% | 1.23% | 1.31% | 0.28% | 0.55% | 1.15% | 1.37% | +6 bps | |
| Return on Equity | 10.35% | 11.02% | 11.25% | 11.82% | 2.56% | 4.89% | 9.83% | 11.77% | -5 bps | |
| Net Interest Margin | 3.64% | 3.75% | 4.01% | 4.00% | 3.73% | 3.87% | 4.15% | 4.21% | +21 bps | |
| Efficiency Ratio | 63.64% | 62.71% | 60.11% | 60.40% | 61.45% | 60.45% | 59.68% | 55.88% | -451 bps | |
| Non-Interest Burden | 2.10% | 2.14% | 2.16% | 2.19% | 2.11% | 2.15% | 2.32% | 2.18% | -1 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 8.17% | 5.81% | 3.86% | 2.34% | 18.89% | 18.93% | 40.85% | 43.89% | +4,155 bps | |
| Loan Growth (YoY) | 9.72% | 5.04% | 4.26% | 4.18% | 18.53% | 19.94% | 49.67% | 50.20% | +4,601 bps | |
| Deposit Growth (YoY) | 6.92% | 7.72% | 2.84% | -1.92% | 18.01% | 15.58% | 40.31% | 47.93% | +4,985 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.88% | 0.78% | 0.70% | 1.20% | 1.21% | 1.02% | 1.02% | 1.18% | -3 bps | |
| Net Charge-Offs / Loans | 0.13% | 0.11% | 0.02% | 0.04% | 0.06% | 0.06% | 0.10% | 0.11% | +7 bps | |
| Allowance / Loans | 1.21% | 1.24% | 1.26% | 1.26% | 1.25% | 1.26% | 1.18% | 1.19% | -7 bps | |
| Allowance Coverage of NPLs | 1.4x | 1.6x | 1.8x | 1.0x | 1.0x | 1.2x | 1.2x | 1.0x | 0.0x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.43% | 10.93% | 11.09% | 11.14% | 10.27% | 10.60% | 10.18% | 10.64% | -50 bps | |
| Total Risk-Based Capital | 14.12% | 15.27% | 15.62% | 15.62% | 14.28% | 14.80% | 13.82% | 14.22% | -140 bps | |
| Equity / Assets | 10.66% | 10.79% | 11.08% | 11.31% | 11.34% | 11.84% | 11.49% | 11.61% | +30 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 82.05% | 78.10% | 80.48% | 84.13% | 82.41% | 81.05% | 85.85% | 85.42% | +129 bps | |
| Liquid Assets / Assets | 3.08% | 5.87% | 6.86% | 5.76% | 10.05% | 8.29% | 6.38% | 6.22% | +46 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 311% | 302% | 336% | n/a | n/a | |
Andover, KS · Cert 25858 · Peer group: banks $1B-$10B in assets (n=311-317) · Equity Bancshares Inc.
State charter, Fed member · FED · 83 branches
Q2 2026
Return on Assets
1.28%
Rank 135 of 317
Net Interest Margin
4.21%
Rank 42 of 317
Efficiency Ratio
58.46%
Rank 139 of 317
Equity / Assets
11.61%
Rank 91 of 317
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.28% | 0.93% | 1.22% | 1.51% | Beats 57% | 135 / 317 | ||
| Return on Equity | 11.06% | 8.63% | 11.43% | 14.48% | Beats 46% | 172 / 317 | ||
| Net Interest Margin | 4.21% | 3.06% | 3.45% | 3.83% | Beats 87% | 42 / 317 | ||
| Efficiency Ratio | 58.46% | 51.90% | 59.69% | 67.53% | Beats 56% | 139 / 317 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.18% | 0.24% | 0.51% | 1.14% | Beats 25% | 235 / 311 | ||
| Net Charge-Offs / Loans | 0.09% | 0.01% | 0.04% | 0.12% | Beats 30% | 220 / 311 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 13.08% | 11.75% | 13.15% | 15.30% | Beats 49% | 162 / 317 | ||
| Total Risk-Based Capital Ratio | 14.22% | 12.63% | 14.21% | 16.26% | Beats 50% | 158 / 317 | ||
| Equity / Assets | 11.61% | 9.06% | 10.32% | 11.95% | Beats 71% | 91 / 317 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.42% | 76.63% | 88.04% | 95.67% | 44th pctl | 176 / 312 | ||
| Loans / Assets | 70.11% | 65.41% | 74.05% | 79.71% | 36th pctl | 202 / 317 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||