Equity Bank

What sets Equity Bank apart

• Over the year to Q2 2026, the net loans and leases of Equity Bank rose by 50.3% to $5.3 bn, a bigger rise than at 97% of covered banks.
• Over the year to Q2 2026, the total assets of Equity Bank rose by 43.9% to $7.7 bn, a bigger rise than at 97% of covered banks.
• Equity Bank has one of the highest net interest margin readings among banks of $1 bn to $10 bn: 4.59% at Q2 2026, against a median of 3.66% across 339 banks.

How large is Equity Bank?

The balance sheet of Equity Bank at Q2 2026: assets $7.7 bn, deposits $6.3 bn, net loans $5.3 bn (loans equal to 84.40% of deposits). Securities make up 16.0% of total assets at Equity Bank. Since Q1 2016, when Equity Bank held $1.5 bn, its assets grew 404.4%. In the year to Q2 2026, deposits at Equity Bank rose 47.9% while its total assets rose 43.9%. At Q2 2026, Equity Bank employed 1,025 full-time equivalent staff across 83 offices, about $7.5 mn of assets per employee and $76.3 mn of deposits per office.

How much funding at Equity Bank is uninsured?

At Equity Bank, uninsured deposits (above the FDIC limit) made up 27.12% of domestic deposits at Q2 2026 (-4.92 pp on a year earlier); Equity Bank ranks 349th of 500 on this measure. In dollars, Equity Bank estimated $1.7 bn of uninsured deposits.

Key facts, Q2 2026

US rank of Equity Bank: 1 = highest unless marked 1 = lowest.

The CET1 ratio of Equity Bank stood at 13.08% in Q2 2026, -1.37 pp year on year. Low and high at Equity Bank since Q1 2016: 10.64% (Q1 2019) to 14.67% (Q3 2023). Equity capital of Equity Bank at Q2 2026: $895.8 mn, or 11.6% of total assets. Equity Bank also reported a total capital ratio of 14.22% for Q2 2026, and a tier 1 leverage ratio of 10.64%.

On held-to-maturity securities, Equity Bank carried an unrealized gain of $69,000 at Q2 2026, equal to 0.0% of equity capital. The gain fell by $19,000 over the year. Its deepest point: $18.4 mn in Q3 2018. The available-for-sale portfolio of Equity Bank showed an unrealized loss of $6.3 mn at Q2 2026; the loss narrowed by $48.2 mn over the year.

For the year to Q2 2026, Equity Bank earned a return on equity of 11.77%; return on assets: 1.37%. Net interest margin at Equity Bank: 4.59%, +0.31 pp in a year. Equity Bank net income: $49.5 mn, up 41.0% year on year. The efficiency ratio of Equity Bank was 55.88%: about 56 cents cost per revenue dollar, against 56 cents at the median peer.

At Q2 2026, noncurrent loans were 1.18% of total loans at Equity Bank; net charge-offs: 0.12% of average loans. Gross loans and leases at Equity Bank: $5.4 bn, up 50.2% in a year.

The peer group of Equity Bank is the 6 banks nearest to it by total assets at Q2 2026: 3 larger and 3 smaller. Of the peers, 0 share the charter type of Equity Bank (state member bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Kansas. Against them, Equity Bank shows CET1 ratio 13.08% against a peer median of 11.71%, return on equity 11.77% against a peer median of 12.52% and uninsured deposit share 27.12% against a peer median of 39.60%.

The FDIC history of Equity Bank, oldest first; figures before and after each event are not like for like.

1. 10 October 2015. Absorbed First Federal Savings and Loan Association of Independence (FDIC certificate 27852).
2. 11 November 2016. Absorbed Community First Bank (FDIC certificate 34611).
3. 11 March 2017. Absorbed State Bank (FDIC certificate 26832).
4. 11 November 2017. Absorbed The Eastman National Bank of Newkirk (FDIC certificate 4156).
5. 11 November 2017. Absorbed Patriot Bank (FDIC certificate 34098).
6. 5 May 2018. Absorbed The First National Bank of Liberal (FDIC certificate 4717).
7. 5 May 2018. Absorbed Adams Dairy Bank (FDIC certificate 58697).
8. 24 August 2018. Absorbed City Bank and Trust Company (FDIC certificate 4107).
9. 23 October 2020. Acquired the failed Almena State Bank from the FDIC as receiver (FDIC certificate 15426).
10. 2 October 2021. Absorbed American State Bank & Trust Company (FDIC certificate 57144).
11. 10 February 2024. Absorbed Bank of Kirksville (FDIC certificate 1635).
12. 2 July 2024. Absorbed KansasLand Bank (FDIC certificate 13957).
13. 2 July 2025. Absorbed NBC OKLAHOMA (FDIC certificate 4032).
14. 1 January 2026. Absorbed Frontier Bank (FDIC certificate 15545).

Large one-quarter moves at Equity Bank

• Total assets at Equity Bank changed by +40.8% in the quarter to 2016-12-31: Absorbtion - Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Community First Bank.
• Total assets at Equity Bank changed by +31.8% in the quarter to 2017-12-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Patriot Bank, The Eastman National Bank of Newkirk.