Equity Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 14.60 percentage points in Q2 2026, from 115.84% to 101.24%. It was the largest change from Q1 2026 among the key lines here. Equity Bank ranks 70th of 182 Kansas banks on return on assets, in the upper half at 1.61% (Q2 2026). Equity Bank reported 1.61% on return on assets for Q2 2026, 0.34 points above the 1.27% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.08% |
| Tier 1 risk-based capital ratio | 13.08% |
| Total risk-based capital ratio | 14.22% |
| Tier 1 leverage ratio | 10.64% |
| Equity capital to assets | 11.61% |
| Tangible equity to tangible assets | 9.99% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.18% |
| Non-performing assets ratio | 0.87% |
| Net charge-off ratio | 0.12% |
| Texas ratio | 7.44% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 101.24% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.61% |
| Return on equity | 13.29% |
| Net interest margin | 4.44% |
| Efficiency ratio | 52.05% |
| Yield on earning assets | 6.32% |
| Cost of funds | 2.01% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.42% |
| Core deposits to total deposits | 83.61% |
| Brokered deposits to total deposits | 7.96% |
| Deposits to assets | 82.08% |
| Securities to assets | 15.96% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 14.67% | 14.67% | 15.88% | 10.80% | 1.06% |
| Q4 2023 | 13.86% | 13.86% | 15.05% | 10.60% | -2.09% |
| Q1 2024 | 13.15% | 13.15% | 14.30% | 10.20% | 1.21% |
| Q2 2024 | 12.93% | 12.93% | 14.04% | 10.11% | 1.02% |
| Q3 2024 | 13.03% | 13.03% | 14.12% | 10.43% | 0.97% |
| Q4 2024 | 14.15% | 14.15% | 15.27% | 10.93% | 1.41% |
| Q1 2025 | 14.43% | 14.43% | 15.62% | 11.09% | 1.26% |
| Q2 2025 | 14.45% | 14.45% | 15.62% | 11.14% | 1.41% |
| Q3 2025 | 13.12% | 13.12% | 14.28% | 10.27% | -1.52% |
| Q4 2025 | 13.63% | 13.63% | 14.80% | 10.60% | 1.30% |
| Q1 2026 | 12.67% | 12.67% | 13.82% | 10.18% | 1.08% |
| Q2 2026 | 13.08% | 13.08% | 14.22% | 10.64% | 1.61% |
Equity Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Equity Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Equity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 25858) · FFIEC NIC profile (RSSD 139656)