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
Unfavorable gap of $159.5M · efficiency ratio beats 55% of banks $1B-$10B in assets operating regionally | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.28% | 0.93% | 1.26% | 1.54% | Beats 53% | 82 / 176 | | |
| Return on Equity | 11.06% | 9.26% | 11.89% | 14.46% | Beats 41% | 103 / 176 | | |
| Net Interest Margin | 4.21% | 3.25% | 3.59% | 3.93% | Beats 88% | 21 / 176 | | |
| Efficiency Ratio | 58.46% | 52.79% | 59.55% | 67.66% | Beats 55% | 80 / 176 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.18% | 0.30% | 0.64% | 1.32% | Beats 28% | 128 / 176 | | |
| Net Charge-Offs / Loans | 0.09% | 0.01% | 0.04% | 0.10% | Beats 28% | 128 / 176 | | |
| Capital |
| Tier 1 Capital Ratio | 13.08% | 11.15% | 12.72% | 14.15% | Beats 58% | 74 / 176 | | |
| Total Risk-Based Capital Ratio | 14.22% | 11.81% | 13.63% | 15.33% | Beats 61% | 69 / 176 | | |
| Equity / Assets | 11.61% | 9.16% | 10.35% | 11.80% | Beats 73% | 48 / 176 | | |
| Liquidity & Funding |
| Loans / Deposits | 85.42% | 80.94% | 89.73% | 97.21% | 36th pctl | 112 / 176 | | |
| Loans / Assets | 70.11% | 69.25% | 75.12% | 80.82% | 28th pctl | 127 / 176 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |