The bank maintains a solid capital buffer with an equity-to-assets ratio of 0.11, providing necessary support for its $7.7 billion asset base amidst ongoing portfolio integration.
| Metric | TTM | Dec'25 | Dec'24 | Dec'23 | Dec'22 | Dec'21 | Dec'20 | Dec'19 | Dec'18 | Dec'17 | Dec'16 | Dec'15 | Dec'14 | Dec'13 | Dec'12 |
|---|
| Cash & Short Term Investments | 6.28B | 1.64B | 1.19B | 1.28B | 1.29B | 1.59B | 1.15B | 233.54M | 366.6M | 213.8M | 133.62M | 172.33M | 90.17M | 90.05M | 100.37M |
| Cash & Due from Banks | 564.16M | 607.56M | 383.5M | 363.29M | 104.01M | 259.13M | 280.4M | 91.47M | 197.73M | 51.53M | 37.89M | 41.52M | 37.19M | 24.6M | 100.37M |
| Short Term Investments | 1.13B | 1.03B | 803.23M | 919.65M | 1.18B | 1.33B | 871.83M | 142.07M | 168.88M | 162.27M | 95.73M | 130.81M | 52.98M | 65.45M | 0 |
| Total Investments | 6.54B | 1.03B | 4.47B | 4.21B | 4.45B | 4.44B | 3.44B | 3.46B | 3.48B | 2.81B | 1.94B | 1.4B | 1.03B | 1B | 0 |
| Investments Growth % | -30.47% | -76.93% | 6.08% | -5.41% | 0.3% | 28.96% | -0.56% | -0.65% | 24.04% | 44.53% | 38.85% | 35.26% | 3.05% | - | - |
| Long-Term Investments | 12.7B | 0 | 3.66B | 3.29B | 3.27B | 3.11B | 2.57B | 3.32B | 3.32B | 2.65B | 1.85B | 1.27B | 981.86M | 938.77M | 0 |
| Accounts Receivables | 39.97M | 33.32M | 28.91M | 25.5M | 20.63M | 18.05M | 15.83M | 15.74M | 17.37M | 12.37M | 6.99M | 4.54M | 3.59M | 3.76M | 0 |
| Goodwill & Intangibles | 135.49M | 103.73M | 68.07M | 60.32M | 63.7M | 69.34M | 47.66M | 156.34M | 153.44M | 115.64M | 63.59M | 19.68M | 19.24M | 19.6M | 0 |
| Goodwill | 104.96M | 82.1M | 53.1M | 53.1M | 53.1M | 54.47M | 31.6M | 136.43M | 131.71M | 104.91M | 58.87M | 18.13M | 18.13M | 18.13M | 0 |
| Intangible Assets | 30.54M | 21.63M | 14.97M | 7.22M | 10.6M | 14.88M | 16.06M | 19.91M | 21.73M | 10.74M | 4.71M | 1.55M | 1.11M | 1.47M | 0 |
| PP&E (Net) | 140.65M | 136.72M | 117.13M | 112.63M | 101.49M | 104.04M | 89.41M | 84.48M | 80.44M | 63.45M | 50.52M | 39.15M | 33.95M | 37.5M | 0 |
| Other Assets | 243.55M | 0 | 266.69M | 261.14M | 239.43M | 248.15M | 137.85M | 140.07M | 128.58M | 118.66M | 89.77M | 81.14M | 45.71M | 50.4M | 0 |
| Total Current Assets | 1.74B | 1.67B | 1.22B | 1.31B | 1.31B | 1.6B | 1.17B | 249.28M | 383.97M | 226.17M | 140.61M | 176.87M | 93.77M | 93.81M | 100.37M |
| Total Non-Current Assets | 5.92B | 240.46M | 4.12B | 3.73B | 3.67B | 3.53B | 2.85B | 3.7B | 3.68B | 2.94B | 2.05B | 1.41B | 1.08B | 1.05B | 0 |
| Total Assets | 7.67B | 6.37B | 5.33B | 5.03B | 4.98B | 5.14B | 4.01B | 3.95B | 4.06B | 3.17B | 2.19B | 1.59B | 1.18B | 1.14B | 1.19B |
| Asset Growth % | 81.45% | 19.53% | 5.91% | 1.06% | -3.08% | 28.07% | 1.61% | -2.76% | 28.11% | 44.63% | 38.25% | 34.92% | 3.09% | -4.1% | - |
| Return on Assets (ROA) | 0.38% | 0.39% | 1.21% | 0.16% | 1.14% | 1.15% | -1.88% | 0.64% | 0.99% | 0.77% | 0.5% | 0.75% | 0.78% | 0.68% | 0.32% |
| Accounts Payable | 0 | 0 | 0 | 36.46M | 32.83M | 47.41M | 19.07M | 18.53M | 13.69M | 10.73M | 7.36M | 5.42M | 2.09M | 6.34M | 0 |
| Total Debt | 484.92M | 448.22M | 312.8M | 380.5M | 281.73M | 151.89M | 133.86M | 383.63M | 464.68M | 401.65M | 293.91M | 194.06M | 70.37M | 43.37M | 0 |
| Net Debt | -79.24M | -159.34M | -70.71M | 17.21M | 177.72M | -107.24M | -146.54M | 292.16M | 266.95M | 350.12M | 256.02M | 152.54M | 33.18M | 18.76M | -100.37M |
| Long-Term Debt | 98.26M | 408.35M | 275.55M | 336.92M | 235.26M | 95.89M | 97.83M | 347.92M | 414.61M | 364.16M | 273.27M | 173.3M | 45.07M | 17.91M | 57.55M |
| Short-Term Debt | 386.66M | 39.86M | 37.25M | 43.58M | 46.48M | 56.01M | 36.03M | 35.71M | 50.07M | 37.49M | 20.64M | 20.76M | 25.3M | 25.45M | 0 |
| Other Liabilities | 63.92M | 0 | 51.54M | 19.32M | 15.22M | 17.69M | 5.19M | 5.84M | 3.96M | 1.97M | 2.5M | 3.09M | 3.15M | 3.35M | 0 |
| Total Current Liabilities | 6.69B | 1.19B | 4.41B | 4.23B | 4.32B | 4.52B | 3.5B | 3.12B | 3.19B | 2.43B | 1.66B | 1.24B | 1.01B | 978.93M | 0 |
| Total Non-Current Liabilities | 162.18M | 408.35M | 327.09M | 356.24M | 250.47M | 113.58M | 103.02M | 353.76M | 414.61M | 364.16M | 273.27M | 176.4M | 48.22M | 21.27M | 57.55M |
| Total Liabilities | 6.85B | 5.64B | 4.74B | 4.58B | 4.57B | 4.64B | 3.61B | 3.47B | 3.61B | 2.8B | 1.93B | 1.42B | 1.06B | 1B | 57.55M |
| Total Equity | 817.61M | 732.05M | 592.92M | 452.86M | 410.06M | 500.63M | 407.65M | 478.06M | 455.94M | 374.14M | 257.96M | 167.23M | 117.73M | 139.87M | 138.17M |
| Equity Growth % | 134.9% | 23.47% | 30.93% | 10.44% | -18.09% | 22.81% | -14.73% | 4.85% | 21.86% | 45.04% | 54.25% | 42.05% | -15.83% | 1.23% | - |
| Equity / Assets (Capital Ratio) | 10.66% | 11.49% | 11.12% | 8.99% | 8.23% | 9.74% | 10.16% | 12.1% | 11.23% | 11.8% | 11.77% | 10.55% | 10.02% | 12.27% | 11.62% |
| Return on Equity (ROE) | 3.4% | 3.43% | 11.98% | 1.81% | 12.67% | 11.56% | -16.93% | 5.48% | 8.63% | 6.53% | 4.41% | 7.23% | 6.98% | 5.66% | 2.76% |
| Book Value per Share | 42.58 | 38.12 | 37.83 | 28.94 | 24.95 | 32.71 | 27.00 | 30.17 | 29.02 | 29.35 | 29.45 | 25.44 | 17.16 | 20.39 | 23.56 |
| Tangible BV per Share | 35.52 | 32.72 | 33.49 | 25.08 | 21.07 | 28.18 | 23.84 | 20.31 | 19.26 | 20.28 | 22.19 | 22.45 | 14.36 | 17.54 | 23.56 |
| Common Stock | 273K | 249K | 230K | 207K | 205K | 203K | 174K | 174K | 173K | 161K | 132K | 97K | 76K | 76K | 138.17M |
| Additional Paid-in Capital | 766.02M | 664.91M | 584.42M | 489.19M | 484.99M | 478.86M | 386.82M | 382.73M | 379.08M | 331.34M | 236.1M | 138.08M | 98.4M | 96.39M | 0 |
| Retained Earnings | 218.53M | 205.33M | 194.92M | 141.01M | 140.09M | 88.32M | 50.79M | 125.76M | 101.33M | 65.51M | 44.33M | 34.95M | 24.83M | 16.55M | 0 |
| Accumulated OCI | 930K | 7.03M | -55.18M | -57.92M | -113.51M | 1.78M | 19.78M | -3K | -4.87M | -3.09M | -2.7M | -2.37M | -2.28M | -2.61M | 0 |
| Treasury Stock | -168.14M | -145.46M | -131.47M | -119.62M | -101.72M | -68.53M | -49.87M | -30.52M | -19.66M | -19.66M | -19.66M | -19.66M | -19.66M | -2.43M | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 16.37M | 16.36M | 31.89M | 0 |
CRE and acquisition integration
According to recent financial disclosures, Equity Bancshares has grown its total assets to $7.7 billion in 2026Q1, a trajectory that appears heavily reliant on acquisition-driven expansion rather than organic loan growth, which warrants close monitoring of the bank's ability to integrate these disparate portfolios effectively.
The rapid increase in asset size suggests an aggressive pursuit of market share in the Mid-Continent region, yet the lack of corresponding organic revenue growth implies that the bank may be struggling to extract synergies from its 69-branch footprint. Investors should monitor whether this asset accumulation is creating long-term value or merely masking the underlying pressure on core banking margins.
As reported in recent regulatory filings, the bank's provision for credit losses reached $6.0 million in 2026Q1, reflecting the inherent sensitivity of its commercial real estate and agricultural loan concentrations to regional economic shifts and the subjective nature of CECL-based loss forecasting models.
The significant fluctuations in provisioning, including the $48.4 million spike in 2025Q3, suggest that the bank's credit quality is highly susceptible to localized economic downturns. This volatility may indicate that the bank's risk management framework is being tested by the integration of smaller, potentially higher-risk community bank loan books.
Based on the reported equity-to-assets ratio of 0.11 in 2026Q1, Equity Bancshares maintains a stable capital position that appears sufficient to support its current acquisition-heavy business model while providing a modest buffer against potential credit deterioration within its concentrated commercial and industrial lending segments.
The bank's decision to deploy $22.7 million in share buybacks during 2026Q1 suggests management's confidence in its capital adequacy, despite the broader revenue contraction. However, this capital deployment strategy may limit the bank's flexibility if future economic conditions necessitate higher capital retention to absorb potential loan losses.
Data from recent balance sheets indicates that the bank holds $564.2 million in cash and cash equivalents as of 2026Q1, a position that provides necessary liquidity to navigate interest rate volatility while supporting the ongoing tactical rotation of its $6.5 billion investment securities portfolio.
The bank's active management of its securities portfolio appears to be a primary tool for duration and liquidity control, though it introduces potential for unrealized losses that could impact tangible book value. The reliance on this portfolio for liquidity suggests that the bank's core deposit franchise may be facing competitive pressures that limit its ability to fund operations through low-cost deposits alone.
Quick answers to the most common questions about buying EQBK stock.
As of 2025, Equity Bancshares, Inc. (EQBK) had total assets of $6.37B including $1.67B in current assets.
Equity Bancshares, Inc. (EQBK) carries total debt of $448.2M. Comparing total debt to cash helps evaluate the company's debt burden and net leverage.
Equity Bancshares, Inc. (EQBK) has total shareholders' equity (book value) of $732.1M ($38.12 book value per share). Book value represents the net worth of the company belonging to common stock holders.
Equity Bancshares, Inc. (EQBK) reported a current ratio of 1.41x. A current ratio above 1.0x indicates that the company has more current assets than current liabilities, suggesting sufficient short-term liquidity.