EQUITY BANCSHARES INC
For the period ended Sep 30, 2025. Filed Nov 3, 2025.
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A company's report for each of its first three quarters. The financial statements are not audited. It shows how the business has moved since the last annual report, and what management says changed.
Sep 30, 2025 · Filed Nov 3, 2025
EQBK$49.21-0.3%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Consolidated Statements of Income
For the Three and Nine Months Ended September 30, 2025, and 2024
(Dollar amounts in thousands, except per share data)
| (Unaudited)Three Months EndedSeptember 30, | (Unaudited)Nine Months EndedSeptember 30, | |||
|---|---|---|---|---|
| 2025 | 2024 | 2025 | 2024 | |
| Interest and dividend income | ||||
| Loans, including fees | $76,911 | $62,089 | $202,776 | $182,436 |
| Securities, taxable | 9,416 | 9,809 | 27,351 | 29,862 |
| Securities, nontaxable | 307 | 400 | 1,042 | 1,192 |
| Federal funds sold and other | 4,464 | 2,667 | 8,800 | 8,374 |
| Total interest and dividend income | 91,098 | 74,965 | 239,969 | 221,864 |
| Interest expense | ||||
| Deposits | 24,990 | 23,679 | 64,457 | 69,196 |
| Federal funds purchased and retail repurchase agreements | 263 | 261 | 730 | 893 |
| Federal Home Loan Bank advances | 1,741 | 3,089 | 6,881 | 8,022 |
| Federal Reserve Bank borrowings | — | — | — | 1,361 |
| Subordinated debt | 1,619 | 1,905 | 5,322 | 5,703 |
| Total interest expense | 28,613 | 28,934 | 77,390 | 85,175 |
| Net interest income | 62,485 | 46,031 | 162,579 | 136,689 |
| Provision (reversal) for credit losses | 6,228 | 1,183 | 8,969 | 2,448 |
| Net interest income after provision (reversal) for credit losses | 56,257 | 44,848 | 153,610 | 134,241 |
| Non-interest income | ||||
| Service charges and fees | 2,522 | 2,424 | 6,763 | 7,534 |
| Debit card income | 2,953 | 2,665 | 8,509 | 7,733 |
| Mortgage banking | 62 | 287 | 380 | 720 |
| Increase in value of bank-owned life insurance | 1,393 | 1,344 | 6,307 | 3,083 |
| Net gain on acquisition and branch sales | — | 831 | — | 2,131 |
| Net gain (loss) from securities transactions | (53,352) | 206 | (53,328) | 222 |
| Other | 1,943 | 1,560 | 5,809 | 8,583 |
| Total non-interest income | (44,479) | 9,317 | (25,560) | 30,006 |
| Non-interest expense | ||||
| Salaries and employee benefits | 22,773 | 18,494 | 62,462 | 54,418 |
| Net occupancy and equipment | 4,317 | 3,478 | 11,474 | 10,800 |
| Data processing | 4,887 | 5,152 | 15,028 | 15,016 |
| Professional fees | 1,670 | 1,487 | 4,558 | 4,657 |
| Advertising and business development | 1,305 | 1,368 | 3,857 | 3,897 |
| Telecommunications | 630 | 660 | 1,805 | 1,887 |
| FDIC insurance | 653 | 660 | 1,747 | 1,821 |
| Courier and postage | 744 | 686 | 2,377 | 1,912 |
| Free nationwide ATM cost | 582 | 544 | 1,642 | 1,569 |
| Amortization of core deposit intangibles | 1,182 | 1,112 | 3,243 | 3,229 |
| Loan expense | 330 | 143 | 740 | 447 |
| Other real estate owned and repossessed assets, net | 797 | (7,667) | 1,001 | (7,658) |
| Loss on debt extinguishment | — | — | 1,361 | — |
| Merger expenses | 6,163 | 618 | 6,584 | 4,461 |
| Other | 3,049 | 3,593 | 10,254 | 9,895 |
| Total non-interest expense | 49,082 | 30,328 | 128,133 | 106,351 |
| Income (loss) before income tax | (37,304) | 23,837 | (83) | 57,896 |
| Provision (benefit) for income taxes | (7,641) | 3,986 | (725) | 12,261 |
| Net income (loss) and net income (loss) allocable to common stockholders | $(29,663) | $19,851 | $642 | $45,635 |
| Basic earnings (loss) per share | $(1.55) | $1.30 | $0.04 | $2.98 |
| Diluted earnings (loss) per share | $(1.55) | $1.28 | $0.04 | $2.95 |
| See accompanying condensed notes to interim consolidated financial statements. | ||||
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