)

Equity Bancshares (EQBK) investor relations material
Equity Bancshares Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Completed merger with NBC Oklahoma, adding $665M in loans and $808M in deposits, and fully integrated systems by late August.
Announced definitive merger agreement with Frontier Holdings, expanding into Nebraska markets including Omaha and Lincoln.
Reported a net loss of $29.7M ($1.57 per diluted share) for Q3 2025, primarily due to a $53.4M realized loss from bond portfolio repositioning and merger-related expenses.
Adjusted net income, excluding one-time items, was $23.3M ($1.21 per diluted share).
Raised $75M in subordinated debt to support continued growth and M&A strategy.
Financial highlights
Net interest income rose to $62.5M, up $12.7M sequentially, driven by the NBC Oklahoma acquisition.
Net interest margin expanded to 4.45% from 4.17% sequentially; normalized margin at 4.36%.
Noninterest income grew to $8.9M, up from $8.6M in the prior quarter, mainly from service charges and fees.
Noninterest expense increased to $49.1M, up $9.1M sequentially, including $6.2M in merger expenses.
Total deposits at $5.1B and gross loans at $4.3B as of Q3 2025.
Outlook and guidance
Margin expected in the 4.4%-4.5% range for Q4 2025, with normalization of purchase accounting and removal of non-accrual benefits.
2026 full-year guidance (inclusive of Frontier Bank merger): average deposits $5.0–5.1B, average loans $5.6–5.8B, NIM 4.20–4.35%.
Full-year 2026 guidance includes Frontier impacts; transaction expected to close in 2025/2026, pending regulatory approval.
Positioned to earn $5 per share in 2026, with approximately 40% balance sheet growth projected for 2025.
Anticipated full-year tax rate between 17% and 19% due to bond sale losses.
Next Equity Bancshares earnings date

Next Equity Bancshares earnings date

The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
I can't remember the last time an app had such a positive impact on my investment process.
)
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
)
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
)
)
)
)
Frequently asked questions
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Explore our global coverage