Equity Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Equity Bank is growing quickly. Based in Andover, Kansas, it had $7.7 billion in assets at June 30, 2026, up 43.9% from a year earlier. It grew its loan book 50.2% over the year, 8.5 times the median of 5.9% for the 895 banks with $1 billion to $10 billion in assets. It also keeps 4.44 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.71 cents).
Earnings jumped: net income for the quarter was $30 million, 59% above the same quarter a year earlier. Paper losses on its bond portfolio are shrinking: unrealized losses of $6.2 million equal 1% of Tier 1 capital, down from 9% a year earlier. Credit is the area to watch: it carries problem assets equal to 7.4% of the capital and reserves that would absorb them, about double the median of 3.6% for banks its size.
As of June 30, 2026, Equity Bank reported a CET1 capital ratio of 13.08%, a return on assets of 1.61%, a nonperforming-loan ratio of 1.34% and a Texas ratio of 7.44%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 345 N Andover Rd, Andover, KS 67002
- County
- Butler
- Metro Area
- Wichita, KS
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- January 21, 1985
- Former names
- Equity Bank, A National Association (2003-2012)
- Offices
- 82 domestic
- Employees (FTE)
- 1,025
- Domestic deposits
- $6.33B
- Allowance for credit losses
- $64.4M
- Net charge-offs (YTD)
- $3.0M
- Average total assets
- $7.32B
- Average total loans
- $5.39B
- Average interest-bearing deposits
- $4.87B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- January 21, 1985
- FDIC Cert
- 25858
- Fed RSSD
- 139656
- SEC CIK
- 1227500 → filed by EQUITY BANCSHARES, INC.
- Website
- www.equitybank.com →
- Parent Holding Company
- EQUITY BANCSHARES, INC. (RSSD 3180547) · EQBK
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Brad S Elliott | CEO | Chief Executive Officer |
| Richard M Sems | PRES | President |
| Chris M Navratil | CFO | Chief Financial Officer |
| Julie A Huber | COO | COO and EVP |
| David Pass | CIO | Chief Information Officer |
| Brett A Reber | GC | General Counsel |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Equity Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Equity Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Equity Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Equity Bank
- Frontier Bank, effective January 1, 2026
- NBC Oklahoma, effective July 3, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.08% | 1.61% | 1.34% | 7.44% | 4.44% |
| Q1 2026 | 12.67% | 1.08% | 1.01% | 6.83% | 4.37% |
| Q4 2025 | 13.63% | 1.30% | 1.04% | 5.98% | 4.61% |
| Q3 2025 | 13.12% | -1.52% | 1.22% | 7.01% | 4.54% |
| Q2 2025 | 14.45% | 1.41% | 1.62% | 6.83% | 4.24% |
| Q1 2025 | 14.43% | 1.26% | 1.07% | 4.24% | 4.29% |
| Q4 2024 | 14.15% | 1.41% | 1.30% | 4.54% | 4.28% |
| Q3 2024 | 13.03% | 0.97% | 1.29% | 4.78% | 3.97% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 83 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| East Kellogg Branch | Wichita , KS | 67207 | $1.01B |
| Oklahoma City Penn Branch | Oklahoma City , OK | 73120 | $277.9M |
| Kansas City Hq Branch | Overland Park , KS | 66211 | $235.0M |
| Salina Branch | Salina , KS | 67401 | $219.9M |
| Kirksville Downtown Branch | Kirksville , MO | 63501 | $211.3M |
| Western Branch | Oklahoma City , OK | 73118 | $190.8M |
| Liberal Main Branch | Liberal , KS | 67901 | $189.8M |
| Omaha Branch | Omaha , NE | 68154 | $186.8M |
| Pender Branch | Pender , NE | 68047 | $156.8M |
| Falls City Branch | Falls City , NE | 68355 | $146.2M |
| Guymon Branch | Guymon , OK | 73942 | $139.5M |
| Holcomb Branch | Holcomb , KS | 67851 | $132.9M |
| Kingfisher | Kingfisher , OK | 73750 | $126.2M |
| Rose Hill Branch | Rose Hill , KS | 67133 | $112.1M |
| Equity Bank (main office) | Andover , KS | 67002 | $109.1M |
| Harrison Branch | Harrison , AR | 72601 | $103.7M |
| Tulsa Branch | Tulsa , OK | 74137 | $102.2M |
| Lincoln Glynoaks Branch | Lincoln , NE | 68516 | $101.6M |
| Ponca City Branch | Ponca City , OK | 74601 | $98.7M |
| Hays Branch | Hays , KS | 67601 | $96.5M |
| Sedalia Branch 60 | Sedalia , MO | 65301 | $94.5M |
| Topeka Main Branch | Topeka , KS | 66603 | $94.1M |
| Altus Commerce Branch | Altus , OK | 73521 | $94.0M |
| Lakepoint Branch | Wichita , KS | 67206 | $90.4M |
| West Van Buren Branch | Eureka Springs , AR | 72632 | $89.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 1, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 2026 | Structure Change | Acquired Frontier Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 3, 2025 | Structure Change | Acquired NBC Oklahoma Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 2, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 2, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| July 2, 2024 | Structure Change | Acquired KansasLand Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 10, 2024 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 10, 2024 | Structure Change | Acquired Bank of Kirksville Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 2, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 2, 2021 | Structure Change | Acquired American State Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 24, 2020 | Structure Change | Acquired Almena State Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| October 23, 2020 | Merger | Participated in FDIC Assisted Merger | FDIC |
| August 24, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 24, 2018 | Structure Change | Acquired City Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 5, 2018 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| May 5, 2018 | Structure Change | Acquired The First National Bank of Liberal Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 11, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 11, 2017 | Structure Change | Acquired The Eastman National Bank of Newkirk Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 11, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 11, 2017 | Structure Change | Acquired State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 11, 2016 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 11, 2016 | Structure Change | Acquired Community First Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 10, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 10, 2015 | Structure Change | Acquired First Federal Savings and Loan Association of Independence Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| October 26, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 26, 2012 | Structure Change | Acquired First Community Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 28, 2012 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 28, 2012 | Structure Change | Acquired Signature Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 16, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 16, 2008 | Structure Change | Acquired Ellis State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 30, 2007 | Structure Change | Acquired Signature Bank Sale of Assets for the acquired bank | FFIEC NIC |
| October 12, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 32 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Equity Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC); 3 against individuals associated with it
- September 26, 2002, OCC: Formal Agreement: National Bank of Andover
- Period: Most recent institution action September 26, 2002. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.9% of deposits in KS, rank 7 of 233 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,750 applications, 1,269 loans originated, $253.2M originated, across 16 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 19 loans, $9.7M approved, $513K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Equity Bank
What are Equity Bank's total assets?
As of the Q2 2026 filing, Equity Bank reported total assets of $7.71 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Equity Bank headquartered?
Equity Bank is headquartered in Andover, KS, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Equity Bank founded?
Equity Bank was established in 1985, per the FDIC institution directory.
Is Equity Bank FDIC-insured?
Yes. Equity Bank is an FDIC-insured commercial bank (FDIC Certificate #25858). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Equity Bank?
Equity Bank's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Equity Bank's CET1 capital ratio?
Equity Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.08% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Equity Bank operate?
Equity Bank operates 82 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Equity Bank's Texas Ratio?
Equity Bank's Texas Ratio is 7.44% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Equity Bank previously called?
The charter now named Equity Bank has also operated as Equity Bank, A National Association (2003-2012), per FDIC structure-change records.
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