Equity Bank
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Data as of · sourced from FFIEC call reports. How we update
Equity Bank is an FDIC-insured commercial bank headquartered in Andover, KS, established in 1985 (FDIC certificate 25858), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $7.71B, up 43.9% from Q2 2025, the 2nd largest of 182 banks headquartered in Kansas. Its CET1 capital ratio was 13.08% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 25858
- Headquarters
- Andover, KS
- Established
- 1985
- Total assets, Q2 2026
- $7.71B
- Assets vs Q2 2025
- +43.9%
- CET1 ratio, Q2 2026
- 13.08%
- Domestic offices
- 83 FDIC institution directory, current count
- Routing number
- 101105354
- Latest call report
- Q2 2026, FFIEC 041 · Equity Bank call report
- Holding company
- EQUITY BANCSHARES, INC.
- Asset rank in state
- 2nd of 182 in Kansas
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 1.18% and a Texas ratio of 7.44%. The figures come from its call report filed with the FFIEC.
Equity Bank ranks as the 2nd largest of the 182 banks based in Kansas, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 0.8% to $7.71B, loans fell 0.5% and deposits were flat. 1-4 family residential loans made up 21.2% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 18.7%. The FDIC Summary of Deposits lists 83 offices for it, in 63 cities across 5 states; its Wichita 4 offices book 19% of its branch deposits. By the capital ratios in its Q2 2026 call report, Equity Bank meets every capital ratio test for well capitalized.
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)
- Domestic offices
- 83 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Equity Bank's total assets ran between $4.94B (Q3 2023) and $7.71B (Q2 2026), and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$7.71B total assets against $5.36B; $6.82B total liabilities against $4.75B.
$5.34B net loans and leases against $3.56B; $6.33B total deposits against $4.28B.
$1.23B securities against $976.7M; $550.7M cash and balances due against $366.0M.
$107.8M total interest income against $74.1M; $32.1M total interest expense against $22.5M.
$75.6M net interest income against $51.6M.
$10.4M total noninterest income against $8.4M; $47.2M total noninterest expense against $37.6M.
$1.3M provision for credit losses against -$141K.
$29.5M net income against $18.6M.
1.61% return on assets against 1.41%; 4.44% net interest margin against 4.24%.
13.08% CET1 capital ratio against 14.45%; 10.64% tier 1 leverage ratio against 11.14%.
Inside the full Equity Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 200 of 4,196, for total assets; its furthest is 635 of 980, for uninsured deposits.
Banks merged into Equity Bank
- Frontier Bank, effective January 1, 2026
- NBC Oklahoma, effective July 3, 2025
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.52% (Q3 2025) to 1.61% (Q2 2026) and its net interest margin ran from 3.97% (Q3 2024) to 4.61% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 13.08% | 1.61% | 1.18% | 7.44% | 4.44% |
| Q1 2026 | 12.67% | 1.08% | 1.02% | 6.83% | 4.37% |
| Q4 2025 | 13.63% | 1.30% | 1.02% | 5.98% | 4.61% |
| Q3 2025 | 13.12% | -1.52% | 1.21% | 7.01% | 4.54% |
| Q2 2025 | 14.45% | 1.41% | 1.20% | 6.83% | 4.24% |
| Q1 2025 | 14.43% | 1.26% | 0.70% | 4.24% | 4.29% |
| Q4 2024 | 14.15% | 1.41% | 0.78% | 4.54% | 4.28% |
| Q3 2024 | 13.03% | 0.97% | 0.88% | 4.78% | 3.97% |
Swipe the table sideways to see every column.
Branch Network
View all 83 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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 | Structure Change | Acquired City Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 24, 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 |
| May 5, 2018 | 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 |
| November 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 |
| March 11, 2017 | 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 |
| November 11, 2016 | 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 10, 2015 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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 | Structure Change | Acquired Signature Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 28, 2012 | 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 |
| August 16, 2008 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| 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
Facts as filed or published, not a rating.
- 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 231 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).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is Equity Bank headquartered?
It is headquartered in Andover, KS, United States.
When was Equity Bank founded?
It was established in 1985, per the FDIC institution directory.
Is Equity Bank FDIC-insured?
Yes. It 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.
What is Equity Bank's CET1 capital ratio?
It 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?
It operates 83 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?
Its Texas Ratio is 7.44% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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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