EQUITY BANCSHARES INC's income statement, balance sheet and cash flow statement as filed with the SEC (10-K and 10-Q), with the latest fiscal years and quarters. In its latest fiscal year (Dec 31, 2025 · FY), EQUITY BANCSHARES INC reported net income of $22.7M (-63.7% year on year).
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Loans, including fees | $277.1M | $245.8M | $211.2M | $160.9M |
| Securities, taxable | $38.8M | $39.1M | $23.9M | $22.7M |
| Securities, nontaxable | $1.2M | $1.6M | $2.0M | $2.7M |
| Federal funds sold and other | $13.7M | $10.4M | $9.7M | $2.0M |
| Total interest and dividend income | $330.8M | $296.8M | $246.7M | $188.2M |
| Deposits | $88.5M | $90.4M | $70.5M | $16.3M |
| Federal funds purchased and retail repurchase agreements | $936.0K | $1.2M | $931.0K | $232.0K |
| Federal Home Loan Bank advances | $8.2M | $10.2M | $3.9M | $2.1M |
| Subordinated debt | $7.2M | $7.6M | $7.6M | $6.8M |
| Total interest expense | $104.8M | $110.7M | $87.7M | $25.4M |
| Net interest income | $226.1M | $186.2M | $159.0M | $162.8M |
| Provision (reversal) for credit losses | $9.0M | $2.5M | $1.9M | $125.0K |
| Net interest income after provision (reversal) for credit losses | $217.1M | $183.6M | $157.1M | $162.7M |
| Non-interest income | $21.3M | $20.9M | $21.2M | $22.7M |
| Increase in value of bank-owned life insurance | $7.7M | $5.0M | $4.1M | $3.1M |
| Net gain on acquisition and branch sales | $0 | $2.1M | — | $962.0K |
| Net gain (loss) from securities transactions | ($53.2M) | $220.0K | ($51.9M) | $5.0K |
| Other | $8.1M | $10.6M | $7.6M | $9.2M |
| Total non-interest income | ($16.0M) | $38.8M | ($19.1M) | $36.0M |
| Salaries and employee benefits | $84.8M | $72.8M | $64.4M | $62.0M |
| Net occupancy and equipment | $15.8M | $14.4M | $12.3M | $12.2M |
| Data processing | $20.3M | $20.0M | $17.4M | $15.9M |
| Professional fees | $6.5M | $6.5M | $5.8M | $5.0M |
| Advertising and business development | $5.2M | $5.4M | $5.4M | $5.0M |
| Telecommunications | $2.5M | $2.5M | $2.0M | $1.9M |
| FDIC insurance | $2.6M | $2.5M | $2.2M | $1.1M |
| Courier and postage | $3.2M | $2.6M | $2.0M | $1.9M |
| Free nationwide ATM cost | $2.2M | $2.1M | $2.1M | $2.1M |
| Amortization of core deposit intangibles | $4.5M | $4.3M | $3.4M | $4.0M |
| Loan expense | $890.0K | $601.0K | $540.0K | $828.0K |
| Other real estate owned and repossessed assets, net | $1.0M | ($7.5M) | — | — |
| Merger expenses | $8.1M | $4.5M | $297.0K | $594.0K |
| Loss on debt extinguishment | $1.4M | — | — | — |
| Other | $15.8M | $13.6M | $17.3M | $15.2M |
| Total non-interest expense | $174.7M | $144.2M | $135.6M | $128.4M |
| Income (loss) before income tax | $26.4M | $78.3M | $2.4M | $70.3M |
| Provision (benefit) for income taxes | $3.7M | $15.7M | ($5.4M) | $12.6M |
| Net income (loss) and net income (loss) allocable to common stockholders | $22.7M | $62.6M | $7.8M | $57.7M |
| Basic earnings (loss) per share | $1.24 | $4.04 | $0.50 | $3.56 |
| Diluted earnings (loss) per share | $1.23 | $4.00 | $0.50 | $3.51 |
| Line item | Jun 30, 2026 · Q2 | Mar 31, 2026 · Q1 | Sep 30, 2025 · Q3 | Jun 30, 2025 · Q2 |
|---|---|---|---|---|
| Loans, including fees | $90.6M | $91.5M | $76.9M | $62.9M |
| Securities, taxable | $14.9M | $13.7M | $9.4M | $8.8M |
| Securities, nontaxable | $207.0K | $222.0K | $307.0K | $358.0K |
| Federal funds sold and other | $2.2M | $2.7M | $4.5M | $2.1M |
| Total interest and dividend income | $107.8M | $108.0M | $91.1M | $74.2M |
| Deposits | $30.1M | $30.5M | $25.0M | $20.1M |
| Federal funds purchased and retail repurchase agreements | $208.0K | $192.0K | $263.0K | $219.0K |
| Federal Home Loan Bank advances | $1.8M | $1.9M | $1.7M | $2.2M |
| Bank stock loan | $0 | $4.0K | — | — |
| Subordinated debt | $1.8M | $1.8M | $1.6M | $1.9M |
| Total interest expense | $34.0M | $34.4M | $28.6M | $24.4M |
| Net interest income | $73.9M | $73.7M | $62.5M | $49.8M |
| Provision (reversal) for credit losses | $1.3M | $6.0M | $6.2M | $19.0K |
| Net interest income after provision (reversal) for credit losses | $72.6M | $67.7M | $56.3M | $49.8M |
| Non-interest income | $6.4M | $6.0M | $5.5M | $5.4M |
| Increase in value of bank-owned life insurance | $1.6M | $1.4M | $1.4M | $1.3M |
| Net gain (loss) from securities transactions | ($1.2M) | ($108.0K) | ($53.4M) | $12.0K |
| Other | $1.3M | $2.2M | $1.9M | $1.8M |
| Total non-interest income | $8.1M | $9.5M | ($44.5M) | $8.6M |
| Salaries and employee benefits | $24.6M | $26.3M | $22.8M | $19.7M |
| Net occupancy and equipment | $4.6M | $4.8M | $4.3M | $3.5M |
| Data processing | $5.2M | $5.4M | $4.9M | $5.1M |
| Professional fees | $1.4M | $1.8M | $1.7M | $1.4M |
| Advertising and business development | $1.5M | $1.7M | $1.3M | $1.2M |
| Telecommunications | $604.0K | $690.0K | $630.0K | $588.0K |
| FDIC insurance | $1.2M | $765.0K | $653.0K | $464.0K |
| Courier and postage | $518.0K | $645.0K | $744.0K | $834.0K |
| Free nationwide ATM cost | $595.0K | $566.0K | $582.0K | $547.0K |
| Amortization of core deposit intangibles | $2.2M | $1.9M | $1.2M | $1.0M |
| Loan expense | $546.0K | $498.0K | $330.0K | $281.0K |
| Other real estate owned and repossessed assets, net | $35.0K | $91.0K | $797.0K | $103.0K |
| Loss on debt extinguishment | $0 | — | $0 | $1.4M |
| Merger expenses | $133.0K | $5.7M | $6.2M | $355.0K |
| Other | $3.7M | $4.2M | $3.0M | $3.6M |
| Total non-interest expense | $46.9M | $55.0M | $49.1M | $40.0M |
| Income (loss) before income tax | $33.7M | $22.2M | ($37.3M) | $18.4M |
| Provision (benefit) for income taxes | $7.3M | $5.3M | ($7.6M) | $3.1M |
| Net income (loss) and net income (loss) allocable to common stockholders | $26.4M | $17.0M | ($29.7M) | $15.3M |
| Basic earnings (loss) per share | $1.28 | $0.81 | -$1.55 | $0.87 |
| Diluted earnings (loss) per share | $1.27 | $0.80 | -$1.55 | $0.86 |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Cash and due from banks | $607.6M | $383.5M | $363.3M | $104.0M |
| Federal funds sold | $255.0K | $244.0K | $15.8M | $415.0K |
| Cash and cash equivalents | $607.8M | $383.7M | $379.1M | $104.4M |
| Interest-bearing deposit in other banks | $575.0K | — | — | — |
| Available-for-sale securities | $1.0B | $1.0B | $919.6M | $1.2B |
| Held-to-maturity securities, fair value of $5,409 and $5,214 | $5.2M | $5.2M | $2.2M | $1.9M |
| Loans held for sale | $1.4M | $513.0K | $476.0K | $349.0K |
| Loans, net of allowance for credit losses | $4.1B | $3.5B | $3.3B | $3.3B |
| Other real estate owned, net | $5.4M | $4.8M | $1.8M | $4.4M |
| Premises and equipment, net | $136.7M | $117.1M | $112.6M | $101.5M |
| Bank-owned life insurance | $148.3M | $133.0M | $124.9M | $123.2M |
| Federal Reserve Bank and Federal Home Loan Bank stock | $34.1M | $27.9M | $20.6M | $21.7M |
| Interest receivable | $33.3M | $28.9M | $25.5M | $20.6M |
| Goodwill | $82.1M | $53.1M | $53.1M | $53.1M |
| Core deposit intangibles, net | $21.6M | $15.0M | $7.2M | $10.6M |
| Other | $120.6M | $100.8M | $98.0M | $89.7M |
| Total assets | $6.4B | $5.3B | $5.0B | $5.0B |
| Demand | $1.1B | $954.1M | $898.1M | $1.1B |
| Total non-interest-bearing deposits | $1.1B | $954.1M | $898.1M | $1.1B |
| Demand, savings and money market | $3.0B | $2.7B | $2.5B | — |
| Time | $984.9M | $736.5M | $763.5M | $814.3M |
| Total interest-bearing deposits | $4.0B | $3.4B | $3.2B | $3.1B |
| Total deposits | $5.1B | $4.4B | $4.1B | $4.2B |
| Federal funds purchased and retail repurchase agreements | $39.9M | $37.2M | $43.6M | $46.5M |
| Federal Home Loan Bank advances | $300.0M | $178.1M | $100.0M | $138.9M |
| Subordinated debt | $98.1M | $97.5M | $96.9M | $96.4M |
| Contractual obligations | $10.2M | $12.1M | $19.3M | $15.2M |
| Interest payable and other liabilities | $54.6M | $39.5M | $36.5M | $32.8M |
| Total liabilities | $5.6B | $4.7B | $4.6B | $4.6B |
| Common stock | $249.0K | $230.0K | $207.0K | $205.0K |
| Additional paid-in capital | $664.9M | $584.4M | $489.2M | $485.0M |
| Retained earnings | $205.3M | $194.9M | $141.0M | $140.1M |
| Accumulated other comprehensive income (loss) | $7.0M | ($55.2M) | ($57.9M) | ($113.5M) |
| Treasury stock | ($145.5M) | ($131.5M) | ($119.6M) | ($101.7M) |
| Total stockholders’ equity | $732.1M | $592.9M | $452.9M | $410.1M |
| Total liabilities and stockholders’ equity | $6.4B | $5.3B | $5.0B | $5.0B |
| Line item | Jun 30, 2026 | Mar 31, 2026 | Sep 30, 2025 | Jun 30, 2025 |
|---|---|---|---|---|
| Cash and due from banks | $546.1M | $563.8M | $699.2M | $366.0M |
| Federal funds sold | $402.0K | $399.0K | $245.0K | $247.0K |
| Cash and cash equivalents | $546.5M | $564.2M | $699.4M | $366.2M |
| Interest-bearing deposit in other banks | $579.0K | $932.0K | $574.0K | — |
| Available-for-sale securities | $1.2B | $1.1B | $903.9M | $973.4M |
| Held-to-maturity securities, fair value of $5,237 and $5,409 | $5.2M | $5.3M | $5.2M | $5.2M |
| Loans held for sale | $2.7M | $7.6M | $617.0K | $217.0K |
| Loans, net of allowance for credit losses of $64,413 and $52,756 | $5.3B | $5.4B | $4.2B | $3.6B |
| Other real estate owned, net | $3.8M | $5.0M | $3.1M | $4.6M |
| Premises and equipment, net | $141.1M | $140.6M | $132.9M | $117.5M |
| Bank-owned life insurance | $150.5M | $149.7M | $146.9M | $133.6M |
| Federal Reserve Bank and Federal Home Loan Bank stock | $42.7M | $38.8M | $33.7M | $34.8M |
| Interest receivable | $37.7M | $40.0M | $34.8M | $26.2M |
| Goodwill | $105.4M | $105.0M | $77.6M | $53.1M |
| Core deposit intangibles, net | $28.3M | $30.5M | $22.9M | $12.9M |
| Other | $90.1M | $90.6M | $89.0M | $90.4M |
| Total assets | $7.7B | $7.7B | $6.4B | $5.4B |
| Demand | $1.2B | $1.3B | $1.1B | $912.9M |
| Total non-interest-bearing deposits | $1.2B | $1.3B | $1.1B | $912.9M |
| Demand, savings and money market | $3.4B | $3.5B | $2.9B | $2.5B |
| Time | $1.7B | $1.5B | $1.1B | $827.7M |
| Total interest-bearing deposits | $5.1B | $5.0B | $3.9B | $3.3B |
| Total deposits | $6.3B | $6.3B | $5.1B | $4.2B |
| Federal funds purchased and retail repurchase agreements | $42.8M | $39.0M | $42.2M | $36.4M |
| Federal Home Loan Bank advances | $385.4M | $347.7M | $341.4M | $383.7M |
| Subordinated debt | $98.4M | $98.3M | $98.2M | $24.1M |
| Contractual obligations | $8.5M | $9.7M | $16.7M | $17.3M |
| Interest payable and other liabilities | $59.4M | $54.2M | $60.5M | $41.8M |
| Total liabilities | $6.9B | $6.8B | $5.7B | $4.7B |
| Common stock | $273.0K | $273.0K | $249.0K | $231.0K |
| Additional paid-in capital | $767.6M | $766.0M | $658.5M | $587.5M |
| Retained earnings | $241.2M | $218.5M | $186.7M | $219.9M |
| Accumulated other comprehensive income (loss) | ($3.8M) | $930.0K | $4.7M | ($40.3M) |
| Treasury stock | ($178.0M) | ($168.1M) | ($138.3M) | ($131.7M) |
| Total stockholders’ equity | $827.3M | $817.6M | $711.9M | $635.6M |
| Total liabilities and stockholders’ equity | $7.7B | $7.7B | $6.4B | $5.4B |
| Line item | Dec 31, 2025 · FY | Dec 31, 2024 · FY | Dec 31, 2023 · FY | Dec 31, 2022 · FY |
|---|---|---|---|---|
| Net income (loss) | $22.7M | $62.6M | $7.8M | $57.7M |
| Stock-based compensation | $5.6M | $4.0M | $3.2M | $3.3M |
| Depreciation | $6.1M | $5.4M | $4.5M | $4.5M |
| Amortization of operating lease right-of-use asset | $491.0K | $475.0K | $604.0K | $714.0K |
| Amortization of cloud computing implementation costs | $82.0K | $138.0K | $188.0K | $188.0K |
| Provision (reversal) for credit losses | $9.0M | $2.5M | $1.9M | $125.0K |
| Net amortization (accretion) of purchase valuation adjustments | ($6.7M) | ($2.0M) | ($618.0K) | ($4.0M) |
| Amortization (accretion) of premiums and discounts on securities | ($4.4M) | ($2.5M) | $4.0M | $6.3M |
| Amortization of intangible assets | $4.8M | $4.4M | $3.5M | $4.2M |
| Deferred income taxes | ($5.1M) | $796.0K | ($2.4M) | $2.6M |
| Federal Home Loan Bank stock dividends | ($1.0M) | ($1.1M) | ($594.0K) | ($369.0K) |
| Loss (gain) on sales and valuation adjustments on other real estate owned | $612.0K | ($7.9M) | $218.0K | $80.0K |
| Net loss (gain) on sales and settlements of securities | $53.3M | $267.0K | $52.0M | ($79.0K) |
| Change in unrealized (gains) losses on equity securities | ($1.0K) | ($487.0K) | ($104.0K) | $74.0K |
| Loss (gain) on disposal of premises and equipment | $76.0K | ($66.0K) | ($103.0K) | ($41.0K) |
| Loss (gain) on lease termination | $3.0K | $0 | $173.0K | — |
| Loss (gain) on sales of foreclosed assets | ($49.0K) | $95.0K | $58.0K | ($345.0K) |
| Loss on debt extinguishment | $1.4M | — | — | — |
| Loss (gain) on sales of loans | ($454.0K) | $54.0K | ($472.0K) | ($1.1M) |
| Originations of loans held for sale | ($25.0M) | ($34.5M) | ($25.0M) | ($46.1M) |
| Proceeds from the sale of loans held for sale | $24.6M | $37.4M | $25.0M | $50.8M |
| Increase in the value of bank-owned life insurance | ($7.7M) | ($5.0M) | ($4.1M) | ($3.1M) |
| Change in fair value of derivatives recognized in earnings | $176.0K | ($95.0K) | $522.0K | ($1.5M) |
| Gain on acquisition and branch sales | $0 | ($2.1M) | — | ($962.0K) |
| Payments on operating lease payable | ($615.0K) | ($612.0K) | ($915.0K) | ($771.0K) |
| Interest receivable | $2.5M | ($614.0K) | ($4.9M) | ($3.0M) |
| Other assets | ($17.9M) | $11.2M | $6.2M | $22.5M |
| Interest payable and other liabilities | ($11.0M) | $1.3M | $5.8M | ($17.6M) |
| Net cash provided by operating activities | $51.4M | $73.8M | $76.5M | $74.1M |
| Purchases of available-for-sale securities | ($795.5M) | ($183.9M) | ($510.2M) | ($182.0M) |
| Purchases of held-to-maturity securities | $0 | ($3.2M) | ($275.0K) | ($1.9M) |
| Proceeds from sales, calls, pay-downs and maturities of available-for-sale securities | $819.9M | $288.3M | $789.4M | $168.4M |
| Proceeds from calls, pay-downs and maturities of held-to-maturity securities | $27.0K | $226.0K | $17.0K | $3.0K |
| Net change in interest-bearing time deposits | ($9.0K) | — | — | — |
| Net change in loans | $30.5M | $16.2M | ($23.7M) | ($181.9M) |
| Purchase of government guaranteed loans | ($62.0M) | ($49.1M) | — | — |
| Capitalized construction cost of other real estate owned | $0 | — | ($562.0K) | ($12.0K) |
| Purchase of premises and equipment | ($13.3M) | ($8.5M) | ($15.6M) | ($3.5M) |
| Proceeds from sale of premises and equipment | $448.0K | $706.0K | $163.0K | $164.0K |
| Proceeds from sale of foreclosed assets | $5.6M | $928.0K | $110.0K | $29.9M |
| Net redemptions (purchases) of Federal Home Loan Bank and Federal Reserve Bank stock | ($4.5M) | ($5.9M) | $1.7M | ($3.8M) |
| Net redemptions (purchases) of correspondent and miscellaneous other stock | ($814.0K) | ($543.0K) | ($11.9M) | ($4.5M) |
| Proceeds from sale of other real estate owned | $1.7M | $9.4M | $1.9M | $9.3M |
| Purchase of bank-owned life insurance | $0 | ($60.0M) | — | — |
| Proceeds from bank-owned life insurance death benefits and policy surrenders | $4.3M | $56.8M | $2.4M | $723.0K |
| Line item | Jun 30, 2026 · YTD | Mar 31, 2026 · Q1 | Sep 30, 2025 · YTD | Jun 30, 2025 · YTD |
|---|---|---|---|---|
| Net income | $43.4M | $17.0M | $642.0K | $30.3M |
| Stock-based compensation | $3.1M | $1.5M | $4.2M | $2.6M |
| Depreciation | $3.5M | $1.6M | $4.5M | $2.9M |
| Amortization of operating lease right-of-use asset | $684.0K | $339.0K | $367.0K | $248.0K |
| Amortization of cloud computing implementation costs | $19.0K | $18.0K | $62.0K | $41.0K |
| Provision (reversal) for credit losses | $7.3M | $6.0M | $9.0M | $2.7M |
| Net amortization (accretion) of purchase valuation adjustments | ($6.7M) | ($3.4M) | ($4.2M) | ($1.4M) |
| Amortization (accretion) of premiums and discounts on securities | ($5.9M) | ($3.0M) | ($2.0M) | ($889.0K) |
| Amortization of intangible assets | $4.3M | $2.0M | $3.4M | $2.2M |
| Deferred income taxes | $3.5M | $2.2M | ($52.0K) | ($1.1M) |
| Federal Home Loan Bank stock dividends | ($498.0K) | ($256.0K) | ($853.0K) | ($622.0K) |
| Loss (gain) on sales and valuation adjustments on other real estate owned | ($72.0K) | $9.0K | $731.0K | ($8.0K) |
| Net loss (gain) on sales and settlements of securities | $0 | $0 | $53.3M | ($13.0K) |
| Change in unrealized (gains) losses on equity securities | $1.3M | $108.0K | $21.0K | ($11.0K) |
| Loss (gain) on disposal of premises and equipment | ($1.2M) | ($430.0K) | $62.0K | $15.0K |
| Loss (gain) on sales and valuation adjustments on repossessed assets | ($92.0K) | — | — | — |
| Loss on debt extinguishment | $0 | — | $1.4M | $1.4M |
| Loss (gain) on sales of loans | ($820.0K) | ($302.0K) | ($306.0K) | ($253.0K) |
| Originations of loans held for sale | ($41.3M) | ($19.4M) | ($15.9M) | ($12.6M) |
| Proceeds from the sale of loans held for sale | $42.2M | $15.0M | $16.1M | $13.2M |
| Increase in the value of bank-owned life insurance | ($3.2M) | ($1.4M) | ($6.3M) | ($4.9M) |
| Change in fair value of derivatives recognized in earnings | $192.0K | $47.0K | $171.0K | $193.0K |
| Payments on operating lease payable | ($855.0K) | ($460.0K) | ($459.0K) | ($307.0K) |
| Interest receivable | $6.3M | $4.3M | $776.0K | $2.7M |
| Other assets | $9.3M | $10.1M | $8.5M | $15.7M |
| Interest payable and other liabilities | ($10.4M) | ($16.0M) | ($14.7M) | ($2.0M) |
| Net cash provided by operating activities | $54.2M | $15.3M | $58.4M | $49.9M |
| Purchases of available-for-sale securities | ($437.9M) | ($214.0M) | ($541.3M) | ($78.9M) |
| Proceeds from sales, calls, pay-downs and maturities of available-for-sale securities | $313.1M | $197.0M | $696.6M | $131.2M |
| Proceeds from calls, pay-downs and maturities of held-to-maturity securities | $112.0K | $10.0K | $18.0K | $10.0K |
| Net change in interest-bearing time deposits | $97.0K | ($257.0K) | ($9.0K) | — |
| Net change in loans | $129.7M | $56.4M | ($39.1M) | ($37.2M) |
| Purchase of mortgage loans | ($15.9M) | — | — | — |
| Purchase of government guaranteed loans | ($33.6M) | $0 | ($62.0M) | ($62.0M) |
| Purchase of premises and equipment | ($7.1M) | ($3.8M) | ($7.8M) | ($3.7M) |
| Proceeds from sale of premises and equipment | $3.1M | $1.4M | $447.0K | $450.0K |
| Proceeds from sale of foreclosed assets | $679.0K | $619.0K | $5.4M | $5.0M |
| Net redemptions (purchases) of Federal Home Loan Bank and Federal Reserve Bank stock | ($1.6M) | $2.0M | ($4.3M) | ($6.3M) |
| Net redemptions (purchases) of correspondent and miscellaneous other stock | ($700.0K) | ($676.0K) | ($744.0K) | ($662.0K) |
| Proceeds from sale of other real estate owned | $1.7M | $380.0K | $1.6M | $456.0K |
| Proceeds from investments in tax credit structures and resulting contractual obligations | $951.0K | $851.0K | — | — |
| Proceeds from bank owned life insurance death benefits | $808.0K | $0 | $4.3M | $4.3M |
| Cash acquired in purchase of Frontier Holdings, LLC | $12.8M | $12.8M | — | — |
| Net cash (used in) provided by investing activities | ($33.9M) | $52.8M | $203.5M | ($47.4M) |
| Net increase (decrease) in deposits | $33.7M | $30.3M | ($86.3M) | ($139.9M) |
EQUITY BANCSHARES INC score and earnings-call analysis · All covered companies
Figures as reported in SEC filings. General information, not investment advice.