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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