Earnings summaries and quarterly performance for EQUITY BANCSHARES.
Executive leadership at EQUITY BANCSHARES.
Brad Elliott
Detailed
Chief Executive Officer
CEO
Richard Sems
Detailed
Chief Executive Officer, Equity Bank
CEO
AK
Ann Knutson
Detailed
Chief Human Resources Officer
BR
Brett Reber
Detailed
General Counsel
CN
Chris Navratil
Detailed
Chief Financial Officer
DP
David Pass
Detailed
Chief Information Officer
GK
Gregory Kossover
Detailed
Executive Vice President, Capital Markets
JH
Julie Huber
Detailed
Chief Operating Officer, Equity Bank
KS
Krzysztof Slupkowski
Detailed
Chief Credit Officer
Board of directors at EQUITY BANCSHARES.
Research analysts who have asked questions during EQUITY BANCSHARES earnings calls.
DD
Damon Del Monte
Keefe, Bruyette & Woods
7 questions for EQBK
Also covers: ALRS, BY, CAC +15 more
NR
Nathan Race
Piper Sandler & Co.
4 questions for EQBK
Also covers: ALRS, BSVN, BWB +18 more
Andrew Liesch
Piper Sandler
3 questions for EQBK
Also covers: AX, BANR, BOH +13 more
Jeff Rulis
D.A. Davidson & Co.
3 questions for EQBK
Also covers: ALRS, BANR, BMRC +17 more
RP
Ryan Payne
D.A. Davidson & Co.
3 questions for EQBK
Also covers: CIVB, NBHC, QCRH
TM
Terence McEvoy
Stephens Inc.
3 questions for EQBK
Also covers: ASB, BY, CIVB +10 more
TM
Terry McEvoy
Stephens Inc.
3 questions for EQBK
Also covers: ASB, BY, CIVB +9 more
AP
Anya Pelshaw
Hovde Group
2 questions for EQBK
Also covers: FBK, FBP, FINW +2 more
BR
Brandon Rudolph
Stephens
2 questions for EQBK
BR
Brett Rabatin
Hovde Group, LLC
2 questions for EQBK
Also covers: BOKF, BPOP, CADE +20 more
BR
Brett Robinson
Holt Group
2 questions for EQBK
JR
Jeff Riley
D.A. Davidson & Co.
2 questions for EQBK
DD
Damon Del Monte
Keefe, Bruyette & Woods (KBW)
1 question for EQBK
Also covers: NPB, QCRH
Recent press releases and 8-K filings for EQBK.
EQBK Reports Strong Q4 2025 Earnings and Provides Optimistic 2026 Outlook
EQBK
Earnings
Guidance Update
M&A
- Equity Bancshares reported Q4 2025 adjusted earnings of $23.3 million or $1.21 per diluted share, with a net interest margin of 4.47%.
- The company concluded 2025 with $6.4 billion in assets and, following the Frontier merger on January 1st, added $1.4 billion in assets, achieving nearly 50% growth.
- Management anticipates earning more than $5 per share in 2026 and projects a Q1 2026 margin of 4.2%-4.35%.
- Credit quality improved, with non-accrual loans decreasing to $40.3 million from $48.6 million, and the company repurchased 172,338 shares at a weighted average cost of $41.69 during the quarter.
Jan 22, 2026, 3:00 PM
Equity Bancshares Reports Strong Q4 2025 Earnings and Provides 2026 Outlook
EQBK
Earnings
Guidance Update
M&A
- Equity Bancshares reported Q4 2025 adjusted earnings of $23.3 million or $1.21 per diluted share, with net interest income of $63.5 million and a margin of 4.47%.
- The company concluded 2025 with $6.4 billion in assets, growing from $5.3 billion at the start of the year, and further expanded by $1.4 billion with the Frontier merger on January 1st, 2026.
- For 2026, Equity Bancshares projects to earn more than $5 per share and anticipates a margin between 4.2% and 4.35%.
- Credit quality showed improvement in Q4 2025, with non-accrual loans decreasing 17% to $40.3 million and annualized net charge-offs at seven basis points.
- In Q4 2025, the company repurchased 172,338 shares at a weighted average cost of $41.69, with 872,662 shares remaining under authorization.
Jan 22, 2026, 3:00 PM
Equity Bancshares Reports Q4 2025 Results
EQBK
Earnings
Guidance Update
Dividends
- Equity Bancshares reported Core Earnings Per Share of $1.26 and Core Net Income of $24.2 million for Q4 2025.
- The company's Tangible Book Value Per Share increased to $32.86 in Q4 2025. Total Deposits reached $5.1 billion and Gross Loans were $4.2 billion.
- Key performance metrics for Q4 2025 include a Net Interest Margin of 4.47% , a Core Return on Average Assets of 1.57% , and a Core Return on Average Tangible Common Equity of 15.56%. The Efficiency Ratio was 59.98%.
- For fiscal year 2026, the company estimates Average Deposits between $6,200-6,300 million and Average Loans between $5,600-5,700 million, with a projected Net Interest Margin of 4.20-4.35%.
Jan 22, 2026, 3:00 PM
EQBK Announces Q4 2025 Results and 2026 Outlook
EQBK
Earnings
M&A
Guidance Update
- Equity Bancshares reported Q4 2025 adjusted diluted earnings per share of $1.21 and ended the year with $6.4 billion in assets, up from $5.3 billion at the start of 2025.
- The company completed the Frontier merger on January 1st, 2026, adding $1.4 billion in assets, and expects 2026 earnings to exceed $5 per share with an anticipated margin of 4.2%-4.35%.
- In Q4 2025, the company repurchased 172,338 shares at a weighted average cost of $41.69, with 872,662 shares remaining under authorization, and maintained strong capital ratios including a TCE of 9.9%.
- Loan production for Q4 2025 was $220 million, and total deposits increased by $43.5 million, supported by $123.5 million in core deposit expansion.
Jan 22, 2026, 3:00 PM
Equity Bancshares Announces Fourth Quarter 2025 Results and Strategic Acquisition
EQBK
Earnings
M&A
Dividends
Share Buyback
- Equity Bancshares, Inc. reported net income of $22.1 million or $1.15 per diluted share for the quarter ended December 31, 2025.
- The company's net interest margin expanded to 4.47% for the fourth quarter of 2025, an increase of 2 basis points over the linked quarter.
- Equity Bancshares, Inc. completed its acquisition of Frontier Holdings LLC on January 1, 2026, marking its entry into Nebraska and contributing approximately $1.34 billion in loan balances and $1.1 billion in deposit balances.
- During the fourth quarter of 2025, the company announced a $0.18 dividend on outstanding common shares and repurchased 172,338 shares at a weighted average cost of $41.69 per share.
- Book value per share increased to $38.64 and tangible book value per share rose to $32.86 by December 31, 2025.
Jan 21, 2026, 9:45 PM
Equity Bancshares, Inc. Reports Strong Q4 2025 Earnings and Completes Frontier Holdings Acquisition
EQBK
Earnings
M&A
Share Buyback
- Equity Bancshares, Inc. reported net income of $22.1 million, or $1.15 per diluted share, for the quarter ended December 31, 2025. Adjusted for acquisition expenses, net income was $23.2 million, or $1.21 per share.
- The company's net interest margin was 4.47% for Q4 2025. Full year net interest income for 2025 increased 21.4% to $226.1 million compared to $186.2 million in 2024.
- Equity Bancshares closed its acquisition of Frontier Holdings LLC on January 1, 2026, marking its entry into Nebraska and contributing approximately $1.34 billion in loan balances and $1.1 billion in deposit balances.
- During Q4 2025, book value per share increased to $38.64 and tangible book value per share rose to $32.86.
- The company repurchased 172,338 shares at a weighted average cost of $41.69 per share during the quarter and announced a $0.18 dividend on outstanding common shares as of December 31, 2025.
Jan 21, 2026, 9:30 PM
Equity Bank Extends Empire Petroleum's Revolver Loan Facility
EQBK
Debt Issuance
New Projects/Investments
- Equity Bank extended the maturity date of Empire Petroleum Corporation's existing revolving credit facility through a third amendment to their Revolver Loan Agreement.
- The maximum principal amount of the facility remains $20.0 million.
- The maturity date has been extended from December 29, 2026, to December 29, 2028.
- This extension provides Empire Petroleum with enhanced financial flexibility to support its strategic growth initiatives.
Jan 6, 2026, 12:00 PM
Equity Bancshares Completes Merger with Frontier Holdings
EQBK
M&A
New Projects/Investments
- Equity Bancshares, Inc. (EQBK) completed its merger with Frontier Holdings, LLC, the parent company of Frontier Bank, effective January 1, 2026.
- This merger expands Equity's operations into Nebraska, adding seven new locations and bringing its total operating states to six.
- Post-merger, Equity Bancshares now has approximately $7.9 billion in proforma consolidated assets.
- Frontier Bank locations will reopen as Equity Bank on January 2, 2026, with core and digital banking systems consolidating in February 2026.
Jan 2, 2026, 12:00 PM
Equity Bancshares Completes Merger with Frontier Holdings
EQBK
M&A
New Projects/Investments
- Equity Bancshares, Inc. completed its merger with Frontier Holdings, LLC, the parent company of Frontier Bank, effective January 1, 2026.
- This merger adds seven locations in Nebraska, expanding Equity's operational footprint to six states and increasing proforma consolidated assets to approximately $7.9 billion.
- Frontier locations reopened as Equity Bank on January 2, 2026, with the consolidation of core and digital banking systems planned for February 2026.
Jan 2, 2026, 11:00 AM
Equity Bancshares Inc. Reports Q3 2025 Net Loss Amidst Strategic Mergers and Bond Repositioning
EQBK
Earnings
M&A
Guidance Update
- Equity Bancshares Inc. reported a net loss of $29.7 million, or $1.57 per diluted share, for Q3 2025. After adjusting for a $53.4 million loss from a bond portfolio repositioning, M&A costs, and CECL provisioning, adjusted net income was $22.4 million, or $1.17 per diluted share.
- The company completed its merger with NBC Oklahoma on July 2nd, adding $665 million in loans and $808 million in deposits. Additionally, a definitive merger agreement with Frontier Holdings was announced in September, which will extend Equity Bank's footprint into Nebraska.
- Net interest income for Q3 2025 was $62.5 million, an increase of $12.7 million linked quarter, with the margin improving by 28 basis points to 4.45%.
- Loan production in Q3 2025 was $243 million, up 23% linked quarter, and organic deposit growth was approximately $37 million.
- Management is positioning the company to earn $5 per share in 2026.
Oct 15, 2025, 2:00 PM
Quarterly earnings call transcripts for EQUITY BANCSHARES.
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