EQBKNYSEState Commercial BanksUS GAAP · USD

Equity Bancshares, Inc

Equity Bancshares Inc. is a Wichita, Kansas-based financial holding company whose subsidiary, Equity Bank, serves businesses, business owners, and individuals across the Midwestern U.S. It operates a community-banking model centered on commercial lending, core deposits, treasury management, trust and wealth services, and selected insurance brokerage offerings.

Kysy yhtiöstä
Nettotulos22,7milj. USD
−63,7 %v/v
Vapaa kassavirta38,1milj. USD
−41,7 %v/v

Tilikausi 2025 · muutos edellisvuodesta

Kehitys 2020–2025

01milj. USD202020212022202320242025
LiikevaihtoLiikevoitto (EBIT)
Kysy Clarifolta: Equity Bancshares, Inc

Liiketoiminta

Osuus liikevaihdosta
Commercial Banking55 %

Loans, deposits, and banking services for businesses and business owners.

Consumer Banking20 %

Deposit accounts, cards, and retail banking services for individuals.

Treasury Management10 %

Cash management, ACH, wire, lockbox, and account control services.

Trust and Wealth Management8 %

Private banking, investment management, trust, and estate planning.

Insurance Brokerage7 %

Primarily crop insurance products for agricultural customers.

Asiakkaat

The bank primarily serves small and middle-market businesses, business owners, and commercial borrowers in its local markets, with a focus on relationship banking and deposit gathering. It also serves retail customers, public entities, and agricultural clients that need everyday banking, liquidity management, and specialized crop coverage. Wealth and trust services target higher-balance households and owners seeking investment, estate, and succession planning support.

Commercial and business banking clients

Businesses and business owners buy loans, deposits, and treasury tools to manage working capital and growth.

Retail and consumer customers

Individuals use checking, savings, cards, and digital channels for everyday banking needs.

Public entities

Local government and public-sector accounts place deposits and use cash management services.

Agricultural customers

Farm and agribusiness clients buy crop insurance brokerage services and related banking products.

Trust and wealth clients

Affluent households and owners buy private banking, investment management, and estate planning.

Strategia

The company’s strategy is to deepen relationships in its existing Midwestern footprint by combining commercial lending with low-cost core deposits and fee-based treasury, trust, and insurance services. Management also emphasizes scalable technology, digital banking, and third-party hosted systems to support growth, while maintaining strong capital and regulatory standing. The bank’s community-banking positioning is meant to offset larger competitors through personalized service and local market knowledge.

Commercial loan growth funded by core depositsLyhyt aikaväli

The model depends on attracting low-cost deposits and deploying them into higher-yielding business lending.

Fee-income expansionKeskipitkä aikaväli

Treasury management, trust/wealth, and insurance services diversify revenue beyond spread income.

Digital and operational scalabilityKeskipitkä aikaväli

Hosted systems and digital channels support growth while limiting branch and processing constraints.

Capital and risk disciplineLyhyt aikaväli

Strong capital and credit discipline are essential for a regulated bank exposed to loan losses and rate risk.

Maantiede

Equity Bancshares operates through 77 full-service banking locations in Arkansas, Kansas, Missouri, and Oklahoma, with headquarters in Wichita, Kansas. Its footprint is concentrated in Midwestern community and metro markets, which supports low-cost core deposits and commercial lending relationships. The company does not disclose country-level revenue outside the U.S.; its business is overwhelmingly domestic and branch-based.

Riskit

The main risks are credit deterioration, real-estate collateral weakness, and a slowdown in local economic activity that could reduce loan demand and increase nonperforming assets. As a bank, it is also exposed to interest-rate risk, liquidity risk, regulatory capital requirements, and intense competition from larger banks, online banks, and nonbank financial providers. Operational and cybersecurity risk matter because key systems are hosted by third-party providers and the business depends on uninterrupted transaction processing and online banking.

Järjestetty vakavuuden mukaan
MatalaKohtalainenKorkeaMatalaKohtalainenKorkeaVaikutus →Todennäköisyys →Credit deterioration in the loan portfolio1Collateral value decline2Interest-rate and liquidity risk3Operational and cybersecurity disruption4Competitive pressure5Regulatory capital pressure6
Vaikutus on riskin vakavuus ja todennäköisyys sen toteutumisen todennäköisyys lähivuosina, molemmat arvioitu yhtiön raporttien perusteella. Numerot vastaavat listaa.
  1. Credit deterioration in the loan portfolioVaikutus: KorkeaTodennäköisyys: Kohtalainen

    A recession or local slowdown can increase nonperforming loans and charge-offs.

    Kohdistuu: Commercial and real estate lending

  2. Collateral value declineVaikutus: KorkeaTodennäköisyys: Kohtalainen

    Lower real estate values can leave loans under-collateralized and raise loss severity.

    Kohdistuu: Commercial real estate and secured lending

  3. Interest-rate and liquidity riskVaikutus: KorkeaTodennäköisyys: Kohtalainen

    Deposit costs, loan yields, and securities valuations can move differently as rates change.

    Kohdistuu: Net interest margin and securities portfolio

  4. Operational and cybersecurity disruptionVaikutus: KorkeaTodennäköisyys: Matala

    Core systems are hosted by third-party providers, increasing dependency on vendor resilience.

    KohdistuuPaymentsOnline bankingTransaction processing
  5. Competitive pressureVaikutus: KeskitasoTodennäköisyys: Kohtalainen

    Larger banks and online lenders can offer broader products, better pricing, or wider reach.

    KohdistuuLoansDepositsFee services
  6. Regulatory capital pressureVaikutus: KeskitasoTodennäköisyys: Kohtalainen

    Banks must remain well capitalized to avoid restrictions and supervisory actions.

    Kohdistuu: Capital ratios and growth capacity

Kysy Clarifolta: Equity Bancshares, Inc

Kirjanpito

Harkinnanvaraiset erät
Allowance for credit losses

Management estimates expected losses using judgment about borrower performance and macro conditions.

Vaikutus: Can materially change provision expense and earnings

Securities valuation and AOCI

Available-for-sale securities are marked to fair value, affecting equity through OCI.

Vaikutus: Can move book value and capital ratios

Goodwill and intangible impairment

Acquisition-related assets must be tested if performance or market conditions weaken.

Vaikutus: Potential non-cash charges to earnings

Revenue and fee timing

Treasury, trust, and insurance fees may be recognized over time or at points in service.

Vaikutus: Can create quarter-to-quarter volatility

Samankaltaisia listattuja yhtiöitä

Julkisesti listattuja yhtiöitä, joilla on samankaltainen liiketoiminta.

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Päivitetty: 24.9.2026

Equity Bancshares, Inc (EQBK) liikevaihto, tulos ja tunnusluvut 2025 – Clarifo