Equity Bancshares Inc (NASDAQ: EQBK) is a commercial banking company that operates through 77 bank locations across Arkansas, Kansas, Missouri, and Oklahoma as of December 31, 2025. It makes money primarily on net interest income, the spread between interest earned on loans and investments and interest paid on deposits. The loan portfolio spans commercial and industrial, commercial real estate, residential real estate, agricultural real estate, agricultural, and consumer categories, with total loans of $3.50 billion as of December 31, 2024. Fee-based services include treasury management, trust and wealth management, private banking, investment management, estate and financial planning, and insurance brokerage focused on crop coverage. Total assets reached $6.37 billion as of December 31, 2025, up from $5.33 billion at December 31, 2024, partly reflecting acquisition activity. CEO Brad S. Elliott serves as Chairman and Chief Executive Officer, signing the 10-K filed March 6, 2026.

Revenue model

Net interest income from a diversified loan portfolio (commercial and industrial, commercial real estate, real estate construction, residential real estate, agricultural real estate, agricultural, and consumer loans) supplemented by fee income from treasury management services, trust and wealth management, and insurance brokerage.

Products and services

Commercial and industrial loans, commercial real estate loans, residential real estate loans, agricultural real estate loans, agricultural loans, consumer loans, deposit products, treasury management (wire transfers, ACH origination, remote deposit capture, positive pay, sweep accounts), trust and wealth management, private banking, investment management, estate and financial planning, insurance brokerage (crop coverage).

Customers and end markets

Commercial businesses, agricultural operators, individual consumers, and wealth management clients in community markets across Arkansas, Kansas, Missouri, and Oklahoma.

Value-chain role

Community and regional bank intermediary: accepts core deposits from local markets and deploys capital into commercial, agricultural, real estate, and consumer loans.

Geographic exposure

77 bank locations across Arkansas, Kansas, Missouri, and Oklahoma as of December 31, 2025.

Source: SEC 10-K, filed 2026-03-06

Industry: State Commercial Banks Peers: Bank of Marin Bancorp Business First Bancshares Inc Farmers National Banc Corp Five Star Bancorp Mercantile Bank Corp Mid Penn Bancorp Inc PNC Financial Services Group Inc South Plains Financial Inc