Inferra AI / Company / EQBK

Equity Bancshares Inc.

EQBK · Financials

Last earnings Oct 14, 2026

Key results

Adjusted net incomequarter

$22.5 million

Tax effecting at 21%, adjusted net income was $22.5 million, or $1.17 per diluted share.

SEC original ↗Equity Bancshares Inc. — Earnings release (8-K exhibit)EX-99Oct 14, 2025

Net incomequarter

21%

Tax effected at 21% results in core net income of $22.5 million, or $1.17 per diluted share.

SEC original ↗Equity Bancshares Inc. — Earnings release (8-K exhibit)EX-99Oct 14, 2025

AI analysis

Q3 2025 · reported Oct 14, 2025

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

Diluted EPS · non-GAAP · Q3 2025

$1.17

EX-99 · Oct 14, 2025

Adjusted net income · Q3 2025

$22.5M

EX-99 · Oct 14, 2025

Headline figures

Metric	Q3 2025	Prior qtr	Year ago
Adjusted net income	$22.5 million	—	—
Net income	21%	—	—

EX-99 · Oct 14, 2025

Guidance · company-stated

No guidance located in the held release

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Dividend$0.18

“Our Company continued to execute in the third quarter of 2025 as we closed and integrated our merger with NBC, announced a definitive agreement with Frontier Holdings LLC ( Frontier ), reissued subordinated debt, repositioned the remainder of our investment portfolio and continued to service our customers and our communities, said Brad S.

General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Equity Bancshares, Inc

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

SEC original ↗Equity Bancshares Inc. — Earnings release (8-K exhibit)EX-99Oct 14, 2025

• The Company announced a $0.18 dividend on outstanding common shares as of September 30, 2025, a 20% increase relative to our prior quarterly dividend.

SEC original ↗Equity Bancshares Inc. — Earnings release (8-K exhibit)EX-99Oct 14, 2025

We also renewed our share repurchase program for the period beginning October 1, 2025 and ending September 30, 2026.

SEC original ↗Equity Bancshares Inc. — Earnings release (8-K exhibit)EX-99Oct 14, 2025

Factors that could cause actual results to differ materially from Equity’s expectations include competition from other financial institutions and bank holding companies; the effects of and changes in trade, monetary and fiscal policies and laws, including interest rate policies of the Federal Reserve Board; changes in the demand for loans; fluctuations in value of collateral and loan reserves; inflation, interest rate, market and monetary fluctuations; changes in consumer spending, borrowing and savings habits; the possibility that the expected benefits related to the proposed transaction Frontier and with the completed transaction with NBC Corp.

SEC original ↗Equity Bancshares Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 14, 2025

EQBK Well Capitalized CAPITAL PRIORITIES Maintain well capitalized regulatory levels Capacity for organic growth Merger & acquisitions Dividend payout ratio targeted at 10-20% Common stock repurchases Dividends Declared Per Share & Dividend Payout Ratio Shares Repurchased & Weighted Avg.

SEC original ↗Equity Bancshares Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 14, 2025

Strategy & priorities

Third Quarter Results Highlighted by Balance Sheet and Net Interest Margin Expansion Company Completed Acquisition of NBC Oklahoma, Adding Seven Locations WICHITA, Kansas, October 14, 2025 (BUSINESSWIRE) – Equity Bancshares, Inc.

SEC original ↗Equity Bancshares Inc. — Earnings release (8-K exhibit)EX-99Oct 14, 2025

“Our teams are motivated to realize the benefits of our continued expansion efforts and to continue driving our organization forward.

SEC original ↗Equity Bancshares Inc. — Earnings release (8-K exhibit)EX-99Oct 14, 2025

Compound Annual Growth Rate since EQBK was founded in 2002 Strategic Execution Of Acquisitions SCALE 14 Completed Bank Acquisitions SINCE IPO 2002 2008 2015 2025 START-UP 4 acquisitions GROWTH 4 acquisitions IPO $380M $6.4B 26.6% Compound Annual Growth Rate3 Overview $6.4B Assets $4.3B Loans $5.1B Deposits $778M Market Cap1 9.69% TCE/TA2 12.87% CET 1 16.12% TRBC $31.69 TBVPS2 $1.6B $7.9B 2025 3Q FY Frontier Bank Merger Announced on September 2, 2025 NBC Oklahoma Merger Closed on July 2, 2025 Leadership Team Brad Elliott Equity Bancshares, Inc.

SEC original ↗Equity Bancshares Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 14, 2025

Ann Knutson Chief Human Resources Officer Years in Banking: 17 Previously served in human resource leadership positions at Bank Five Nine and Summit Credit Union Organic Growth Strategic Mergers & Acquisitions Disciplined Credit Standards Effective Balance Sheet & Capital Management EPS & Tangible Book Value Growth Our guiding principles and commitment to entrepreneurial spirit are part of our longstanding framework for delivering shareholder value Our Value Proposition Tangible Book Value per common share.

SEC original ↗Equity Bancshares Inc. — Presentation / slide deck (8-K exhibit)EX-99Oct 14, 2025

Risks & headwinds

Accordingly, Equity cautions you that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions and uncertainties that are difficult to predict.

SEC original ↗Equity Bancshares Inc. — Earnings release (8-K exhibit)EX-99Oct 14, 2025

If one or more events related to these or other risks or uncertainties materialize, or if Equity’s underlying assumptions prove to be incorrect, actual results may differ materially from what Equity anticipates.

SEC original ↗Equity Bancshares Inc. — Earnings release (8-K exhibit)EX-99Oct 14, 2025

New risks and uncertainties arise from time to time and it is not possible for us to predict those events or how they may affect us.

SEC original ↗Equity Bancshares Inc. — Earnings release (8-K exhibit)EX-99Oct 14, 2025

Documents

Earnings deck slides

0 decks with slide view

Equity Bancshares Inc. — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

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