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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.96% | 1.38% | 1.23% | 1.38% | -1.58% | 1.25% | 1.15% | 1.54% | +16 bps | |
| Return on Equity | 9.23% | 12.85% | 11.25% | 12.30% | -13.92% | 10.79% | 9.83% | 13.29% | +100 bps | |
| Net Interest Margin | 3.68% | 3.99% | 4.01% | 3.98% | 4.28% | 4.34% | 4.15% | 4.21% | +23 bps | |
| Efficiency Ratio | 64.23% | 60.05% | 60.11% | 60.70% | 63.23% | 57.84% | 59.68% | 52.10% | -859 bps | |
| Non-Interest Burden | 2.19% | 2.19% | 2.16% | 2.22% | 2.55% | 2.30% | 2.32% | 2.01% | -21 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 | 0.18% | 0.04% | 0.02% | 0.06% | 0.10% | 0.07% | 0.10% | 0.12% | +6 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 | |