← Back to Institutions
Equity Bank
Andover, KS·FDIC Cert #25858·Charter: STATE·Est. 19850121.0·HC: EQUITY BANCSHARES INC
Total Assets
$6.3B
Q4 2025
Return on Assets
0.55%
+0.27%Peer avg: 1.21%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
60.45%
Peer avg: 57.4%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
55
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.55%+0.27
ROE
4.89%+2.33
Efficiency
60.45%-1.00
Equity/Assets
0.00%+0.00
NPL Ratio
1.04%-0.19
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
80.03%-1.35
Charge-offs
0.07%+0.00
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 1.1 | 1.1 | 1.2 | 1.2 | 1.3 | 0.3 | 0.6 |
| ROE | 11.9 | 11.0 | 10.3 | 11.0 | 11.3 | 11.8 | 2.6 | 4.9 |
| Efficiency | 61.2 | 63.3 | 63.6 | 62.7 | 60.1 | 60.4 | 61.4 | 60.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.7 | 0.8 | 0.9 | 0.8 | 0.7 | 1.2 | 1.2 | 1.0 |
| Charge-offs | 0.1 | 0.1 | 0.1 | 0.1 | 0.0 | 0.0 | 0.1 | 0.1 |
| Loan/Deposit | 78.4 | 78.2 | 81.1 | 77.1 | 79.5 | 83.1 | 81.4 | 80.0 |
Balance Sheet
Total Assets$6.3B
Total Deposits$5.2B
Total Loans$4.1B
Total Equity$749.3M
Profitability
ROA0.55%
ROE4.89%
Efficiency Ratio60.45%
Net Income$31.8M
Risk & Asset Quality
NPL Ratio1.04%
Charge-off Rate0.07%
Loan/Deposit80.03%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans