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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.
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Q3 2025 earnings summary15 Oct, 2025

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.

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Frequently asked questions

Equity Bancshares Inc is a bank holding company that operates through Equity Bank, providing a full range of financial services to consumers and businesses. The company offers deposit products, loans, mortgage services, and treasury management, primarily in Kansas, Missouri, Arkansas, and Oklahoma. It serves clients through a network of branches and online platforms. Equity Bancshares Inc is headquartered in Wichita, Kansas, and its shares are listed on the NASDAQ.

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