EQUITY BANCSHARES INC
For the period ended Dec 31, 2025. Filed Mar 6, 2026.
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FY2025 · Filed Mar 6, 2026
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
| 2025 | 2024 | 2023 | |
|---|---|---|---|
| Interest and dividend income | |||
| Loans, including fees | $277,138 | $245,815 | $211,213 |
| Securities, taxable | 38,801 | 39,091 | 23,873 |
| Securities, nontaxable | 1,221 | 1,579 | 1,960 |
| Federal funds sold and other | 13,675 | 10,358 | 9,666 |
| Total interest and dividend income | 330,835 | 296,843 | 246,712 |
| Interest expense | |||
| Deposits | 88,455 | 90,409 | 70,473 |
| Federal funds purchased and retail repurchase agreements | 936 | 1,151 | 931 |
| Federal Home Loan Bank advances | 8,208 | 10,180 | 3,944 |
| Federal Reserve Bank borrowings | — | 1,361 | 4,755 |
| Subordinated debt | 7,155 | 7,580 | 7,591 |
| Total interest expense | 104,754 | 110,681 | 87,694 |
| Net interest income | 226,081 | 186,162 | 159,018 |
| Provision (reversal) for credit losses | 8,953 | 2,546 | 1,873 |
| Net interest income after provision (reversal) for credit losses | 217,128 | 183,616 | 157,145 |
| Non-interest income | |||
| Service charges and fees | 9,321 | 9,830 | 10,187 |
| Debit card income | 11,414 | 10,246 | 10,322 |
| Mortgage banking | 567 | 861 | 652 |
| Increase in value of bank-owned life insurance | 7,717 | 4,966 | 4,059 |
| Net gain on acquisition and branch sales | — | 2,131 | — |
| Net gain (loss) from securities transactions | (53,174) | 220 | (51,909) |
| Other | 8,127 | 10,568 | 7,560 |
| Total non-interest income | (16,028) | 38,822 | (19,129) |
| Non-interest expense | |||
| Salaries and employee benefits | 84,786 | 72,786 | 64,384 |
| Net occupancy and equipment | 15,801 | 14,371 | 12,325 |
| Data processing | 20,279 | 20,004 | 17,433 |
| Professional fees | 6,467 | 6,503 | 5,754 |
| Advertising and business development | 5,228 | 5,366 | 5,425 |
| Telecommunications | 2,462 | 2,501 | 1,963 |
| FDIC insurance | 2,579 | 2,483 | 2,195 |
| Courier and postage | 3,235 | 2,599 | 2,046 |
| Free nationwide ATM cost | 2,204 | 2,127 | 2,073 |
| Amortization of core deposit intangibles | 4,503 | 4,289 | 3,374 |
| Loan expense | 890 | 601 | 540 |
| Other real estate owned and repossessed assets, net | 1,029 | (7,525) | 617 |
| Loss on debt extinguishment | 1,361 | — | — |
| Merger expenses | 8,065 | 4,461 | 297 |
| Other | 15,831 | 13,591 | 17,175 |
| Total non-interest expense | 174,720 | 144,157 | 135,601 |
| Income (loss) before income tax | 26,380 | 78,281 | 2,415 |
| Provision (benefit) for income taxes | 3,654 | 15,660 | (5,406) |
| Net income (loss) and net income (loss) allocable to common stockholders | $22,726 | $62,621 | $7,821 |
| Basic earnings (loss) per share | $1.24 | $4.04 | $0.50 |
| Diluted earnings (loss) per share | $1.23 | $4.00 | $0.50 |
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