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UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM 10-Q

☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended March 31, 2026

☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from ________ to ________

Commission File Number 001-37624

EQUITY BANCSHARES, INC.

(Exact name of registrant as specified in its charter)


Kansas		72-1532188
(State or other jurisdiction of incorporation or organization)		(I.R.S. Employer Identification No.)

7701 East Kellogg Drive, Suite 300 Wichita, KS		67207
(Address of principal executive offices)		(Zip Code)

Registrant’s telephone number, including area code: 316.612.6000

Securities registered pursuant to Section 12(b) of the Act:

     Title of each class
Class A, Common Stock, par value $0.01 per share

     Trading Symbol
EQBK

     Name of each exchange on which registered
New York Stock Exchange

    

Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. ☒Yes ☐ No

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). ☒ Yes ☐ No

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, smaller reporting company or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act.


Large accelerated filer	☐	Accelerated filer	☒
Non-accelerated filer	☐	Smaller reporting company	☐
Emerging growth company	☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). ☐ Yes ☒ No

As of April 30, 2026, the registrant had 20,640,778 shares of Class A common stock, $0.01 par value per share, outstanding.

TABLE OF CONTENTS


Part I	Financial Information	5
Item 1.	Financial Statements	5
	Consolidated Balance Sheets	5
	Consolidated Statements of Income	6
	Consolidated Statements of Comprehensive Income	7
	Consolidated Statements of Stockholders’ Equity	8
	Consolidated Statements of Cash Flows	9
	Condensed Notes to Interim Consolidated Financial Statements	11
Item 2.	Management’s Discussion and Analysis of Financial Condition and Results of Operations	50
	Overview	52
	Critical Accounting Policies	52
	Results of Operations	53
	Financial Condition	58
	Liquidity and Capital Resources	67
	Non-GAAP Financial Measures	69
Item 3.	Quantitative and Qualitative Disclosures About Market Risk	74
Item 4.	Controls and Procedures	76
Part II	Other Information	77
Item 1.	Legal Proceedings	77
Item 1A.	Risk Factors	77
Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	77
Item 3.	Defaults Upon Senior Securities	77
Item 4.	Mine Safety Disclosures	77
Item 5.	Other Information	77
Item 6.	Exhibits	77

Important Notice about Information in this Quarterly Report

Unless we state otherwise or the context otherwise requires, references in this Quarterly Report to “we,” “our,” “us,” “the Company” and “Equity” refer to Equity Bancshares, Inc. and its consolidated subsidiaries, including Equity Bank, which we sometimes refer to as “Equity Bank,” “the Bank” or “our Bank.”

The information contained in this Quarterly Report is accurate only as of the date of this Quarterly Report on Form 10-Q and as of the dates specified herein.

CAUTIONARY NOTE REGARDING FORWARD-LOOKING STATEMENTS

This Quarterly Report on Form 10-Q contains “forward-looking statements” within the meaning of Section 27A of the Securities Act of 1933, as amended (the “Securities Act”), and Section 21E of the Securities Exchange Act of 1934, as amended (the “Exchange Act”). These forward-looking statements reflect our current views with respect to, among other things, future events and our financial performance. These statements are often, but not always, made through the use of words or phrases such as “may,” “should,” “could,” “predict,” “potential,” “believe,” “will likely result,” “expect,” “continue,” “will,” “anticipate,” “seek,” “estimate,” “intend,” “plan,” “project,” “forecast,” “goal,” “target,” “would” and “outlook,” or the negative variations of those words or other comparable words of a future or forward-looking nature. These forward-looking statements are not historical facts, and are based on current expectations, estimates and projections about our industry, management’s beliefs and certain assumptions made by management, many of which, by their nature, are inherently uncertain and beyond our control. Accordingly, we caution you that any such forward-looking statements are not guarantees of future performance and are subject to risks, assumptions and uncertainties that are difficult to predict. Although we believe that the expectations reflected in these forward-looking statements are reasonable as of the date made, actual results may prove to be materially different from the results expressed or implied by the forward-looking statements. When considering forward-looking statements, you should keep in mind the risk factors and other cautionary statements described under the heading “Item 1A - Risk Factors” in our Annual Report on Form 10-K, as amended, filed with the Securities and Exchange Commission (“SEC”) on March 6, 2026, and in Item 1A – Risk Factors of this Quarterly Report.

There are or will be important factors that could cause our actual results to differ materially from those indicated in these forward-looking statements, including, but not limited to, the following:

•

external economic and/or market factors, such as changes in monetary and fiscal policies and laws, including the interest rate policies of the Board of Governors of the Federal Reserve System, or the Federal Reserve, inflation or deflation, changes in the demand for loans, and fluctuations in consumer spending, borrowing and savings habits which may have an adverse impact on our financial condition;

•

losses resulting from a decline in the credit quality of the assets that we hold;

•

the occurrence of various events that negatively impact the real estate market, since a significant portion of our loan portfolio is secured by real estate;

•

inaccuracies or changes in the appraised value of real estate securing the loans we originate that could lead to losses if the real estate collateral is later foreclosed upon and sold at a price lower than the appraised value;

•

the loss of our largest loan and depositor relationships;

•

limitations on our ability to lend and to mitigate the risks associated with our lending activities as a result of our size and capital position;

•

differences in our realized losses as compared to historical loss experience adjusted for quantitative and qualitative factors reflected in our calculation of the allowance for credit losses;

•

inadequacies in our allowance for credit losses which could require us to take a charge to earnings and thereby adversely affect our financial condition;

•

interest rate fluctuations which could have an adverse effect on our profitability;

•

an economic downturn, especially one affecting our core market areas;

•

the effects of a pandemic or other widespread public health emergencies;

•

the costs of integrating the businesses we acquire, which may be greater than expected;

•

the departure of key members of our management personnel or our inability to hire qualified management personnel;

•

challenges arising from unsuccessful attempts to expand into new geographic markets, products, or services;

•

a lack of liquidity resulting from decreased loan repayment rates, lower deposit balances, or other factors;

•

inaccuracies in our assumptions about future events which could result in material differences between our financial projections and actual financial performance;

•

an inability to keep pace with the rate of technological advances due to a lack of resources to invest in new technologies;

•

disruptions, security breaches, or other adverse events, failures or interruptions in, or attacks on, our information technology systems;

•

unauthorized access to nonpublic personal information of our customers, which could expose us to litigation or reputational harm;

•

disruptions, security breaches, or other adverse events affecting the third-party vendors who perform several of our critical processing functions;

•

required implementation of new accounting standards that significantly change our existing recognition practices;

•

additional regulatory requirements and restrictions on our business, which could impose additional costs on us;

•

an increase in FDIC deposit insurance assessments, which could adversely affect our earnings;

•

increased capital requirements imposed by banking regulators, which may require us to raise capital at a time when capital is not available on favorable terms or at all;

•

restraints on the ability of Equity Bank to pay dividends to us, which could limit our liquidity;

•

a failure in the internal controls we have implemented to address the risks inherent to the banking industry;

•

continued or increasing competition from other financial institutions, credit unions, and non-bank financial services companies, many of which are subject to different regulations than we are;

•

costs arising from the environmental risks associated with making loans secured by real estate;

•

the occurrence of adverse weather or manmade events, which could negatively affect our core markets or disrupt our operations;

•

the effects of new federal tax laws or tariffs, or changes to existing federal tax laws or tariffs;

•

the obligations associated with being a public company;

•

effect of pending and future litigation, including the results of the overdraft fee litigation against the Company that is described in this quarterly report;

•

other factors that are discussed in “Item 1A - Risk Factors.”

The foregoing factors should not be construed as exhaustive and should be read in conjunction with other cautionary statements that are included in this Quarterly Report. If one or more events related to these or other risks or uncertainties materialize, or if our underlying assumptions prove to be incorrect, actual results may differ materially from what we anticipate. Accordingly, you should not place undue reliance on any such forward-looking statements. Any forward-looking statement speaks only as of the date on which it is made, and we do not undertake any obligation to publicly update or review any forward-looking statement, whether as a result of new information, future developments or otherwise. New risks and uncertainties arise from time to time, and it is not possible for us to predict those events or how they may affect us. In addition, we cannot assess the impact of each factor on our business or the extent to which any factor, or combination of factors, may cause actual results to differ materially from those contained in any forward-looking statements. All forward-looking statements, expressed or implied, included in this Quarterly Report on Form 10-Q are expressly qualified in their entirety by this cautionary statement. This cautionary statement should also be considered in connection with any subsequent written or verbal forward-looking statements that we or persons acting on our behalf may issue.

PART I

Item 1: Financial Statements

EQUITY BANCSHARES, INC.

CONSOLIDATED BALANCE SHEETS

March 31, 2026, and December 31, 2025

(Dollar amounts in thousands)


	(Unaudited) March 31,			December 31,
	2026			2025
ASSETS
Cash and due from banks	$	563,766		$	607,562
Federal funds sold		399			255
Cash and cash equivalents		564,165			607,817
Interest-bearing deposit in other banks		932			575
Available-for-sale securities		1,125,162			1,030,568
Held-to-maturity securities, fair value of $5,346 and $5,409		5,254			5,248
Loans held for sale		7,631			1,392
Loans, net of allowance for credit losses of $64,245 and $52,756		5,364,030			4,145,424
Other real estate owned, net		5,026			5,388
Premises and equipment, net		140,648			136,720
Bank-owned life insurance		149,699			148,301
Federal Reserve Bank and Federal Home Loan Bank stock		38,806			34,053
Interest receivable		39,966			33,322
Goodwill		104,958			82,101
Core deposit intangibles, net		30,536			21,634
Other		90,557			120,629
Total assets	$	7,667,370		$	6,373,172
LIABILITIES AND STOCKHOLDERS’ EQUITY
Deposits
Demand	$	1,274,533		$	1,148,409
Total non-interest-bearing deposits		1,274,533			1,148,409
Demand, savings and money market		3,504,698			3,004,987
Time		1,521,679			984,868
Total interest-bearing deposits		5,026,377			3,989,855
Total deposits		6,300,910			5,138,264
Federal funds purchased and retail repurchase agreements		39,009			39,864
Federal Home Loan Bank advances		347,660			300,000
Subordinated debt		98,263			98,145
Contractual obligations		9,678			10,208
Interest payable and other liabilities		54,240			54,637
Total liabilities		6,849,760			5,641,118
Commitments and contingent liabilities, see Notes 12 and 13
Stockholders’ equity, see Note 8
Common stock		273			249
Additional paid-in capital		766,016			664,906
Retained earnings		218,534			205,328
Accumulated other comprehensive income (loss)		930			7,032
Treasury stock		(168,143	)		(145,461	)
Total stockholders’ equity		817,610			732,054
Total liabilities and stockholders’ equity	$	7,667,370		$	6,373,172

See accompanying condensed notes to interim consolidated financial statements.

EQUITY BANCSHARES, INC.

CONSOLIDATED STATEMENTS OF INCOME

For the Three Months Ended March 31, 2026, and 2025

(Dollar amounts in thousands, except per share data)


	(Unaudited) Three Months Ended March 31,
	2026			2025
Interest and dividend income
Loans, including fees	$	91,462		$	62,997
Securities, taxable		13,659			9,114
Securities, nontaxable		222			377
Federal funds sold and other		2,681			2,196
Total interest and dividend income		108,024			74,684
Interest expense
Deposits		30,478			19,377
Federal funds purchased and retail repurchase agreements		192			248
Federal Home Loan Bank advances		1,886			2,916
Bank stock loan		4			—
Subordinated debt		1,800			1,851
Total interest expense		34,360			24,392
Net interest income		73,664			50,292
Provision (reversal) for credit losses		5,955			2,722
Net interest income after provision (reversal) for credit losses		67,709			47,570
Non-interest income
Service charges and fees		2,493			2,064
Debit card income		3,117			2,504
Mortgage banking		348			106
Increase in value of bank-owned life insurance		1,398			3,593
Net gain (loss) from securities transactions		(108	)		12
Other		2,239			2,051
Total non-interest income		9,487			10,330
Non-interest expense
Salaries and employee benefits		26,255			19,954
Net occupancy and equipment		4,789			3,675
Data processing		5,388			5,086
Professional fees		1,768			1,527
Advertising and business development		1,666			1,344
Telecommunications		690			587
FDIC insurance		765			630
Courier and postage		645			799
Free nationwide ATM cost		566			513
Amortization of core deposit intangibles		1,928			1,045
Loan expense		498			129
Other real estate owned and repossessed assets, net		91			101
Merger expenses		5,725			66
Other		4,195			3,594
Total non-interest expense		54,969			39,050
Income (loss) before income tax		22,227			18,850
Provision (benefit) for income taxes		5,261			3,809
Net income (loss) and net income (loss) allocable to common stockholders	$	16,966		$	15,041
Basic earnings (loss) per share	$	0.81		$	0.86
Diluted earnings (loss) per share	$	0.80		$	0.85
See accompanying condensed notes to interim consolidated financial statements.

EQUITY BANCSHARES, INC.

CONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOME

For the Three Months Ended March 31, 2026, and 2025

(Dollar amounts in thousands)


	(Unaudited) Three Months Ended March 31,
	2026			2025
Net income	$	16,966		$	15,041
Other comprehensive income (loss):
Unrealized holding gains (losses) arising during the period on available-for-sale securities		(8,091	)		14,082
Reclassification for net (gains) losses included in net income		—			(13	)
Unrealized holding gains (losses) arising during the period on cash flow hedges		(31	)		(450	)
Total other comprehensive income (loss)		(8,122	)		13,619
Tax effect		2,020			(3,403	)
Other comprehensive income (loss), net of tax		(6,102	)		10,216
Comprehensive income (loss)	$	10,864		$	25,257

See accompanying condensed notes to interim consolidated financial statements.

EQUITY BANCSHARES, INC.

CONSOLIDATED STATEMENTS OF STOCKHOLDERS’ EQUITY

For the Three Months Ended March 31, 2026, and 2025

(Unaudited)

(Dollar amounts in thousands, except share and per share data)


	Common Stock					Additional						Accumulated Other						Total
	Shares Outstanding			Amount		Paid-In Capital			Retained Earnings			Comprehensive Income (Loss)			Treasury Stock			Stockholders’ Equity
Balance at January 1, 2025		17,427,626		$	230	$	584,424		$	194,920		$	(55,181	)	$	(131,475	)	$	592,918
Net income		—			—		—			15,041			—			—			15,041
Other comprehensive income (loss), net of tax effects		—			—		—			—			10,216			—			10,216
Cash dividends - common stock, $0.15 per share		—			—		—			(2,629	)		—			—			(2,629	)
Dividend equivalents- restricted stock units and restricted stock awards, $0.15 per share		—			—		—			(50	)		—			—			(50	)
Stock-based compensation		—			—		1,422			—			—			—			1,422
Common stock issued upon exercise of stock options		1,000			—		33			—			—			—			33
Common stock issued under stock-based incentive plan		88,215			1		(1	)		—			—			—			—
Common stock issued under employee stock purchase plan		13,921			—		446			—			—			—			446
Common stock issued with private placement, net of offering costs		—			—		(73	)		—			—			—			(73	)
Treasury stock purchase		—			—		—			—			—			—			—
Balance at March 31, 2025		17,530,762		$	231	$	586,251		$	207,282		$	(44,965	)	$	(131,475	)	$	617,324

Balance at January 1, 2026		18,953,785		$	249	$	664,906		$	205,328		$	7,032		$	(145,461	)	$	732,054
Net income		—			—		—			16,966			—			—			16,966
Other comprehensive income (loss), net of tax effects		—			—		—			—			(6,102	)		—			(6,102	)
Cash dividends - common stock, $0.18 per share		—			—		—			(3,740	)		—			—			(3,740	)
Dividend equivalents- restricted stock units and restricted stock awards, $0.18 per share		—			—		—			(45	)		—			—			(45	)
Stock-based compensation		—			—		1,540			—			—			—			1,540
Common stock issued upon exercise of stock options		—			—		—			—			—			—			—
Common stock issued under stock-based incentive plan		100,928			1		(1	)		—			—			—			—
Common stock issued under employee stock purchase plan		15,602			—		524			—			—			—			524
Common stock issued with private placement, net of offering costs		—			—		—			—			—			—			—
Common stock issued in connection with the acquisition of Frontier Holdings LLC		2,219,979			23		99,047			25						—			99,095
Treasury stock purchases		(514,473	)		—		—			—			—			(22,682	)		(22,682	)
Balance at March 31, 2026		20,775,821		$	273	$	766,016		$	218,534		$	930		$	(168,143	)	$	817,610

See accompanying condensed notes to interim consolidated financial statements.


EQUITY BANCSHARES, INC.
CONSOLIDATED STATEMENTS OF CASH FLOWS
For the Three Months Ended March 31, 2026, and 2025
(Dollar amounts in thousands)
	(Unaudited) March 31,
	2026			2025
Cash flows from operating activities
Net income	$	16,966		$	15,041
Adjustments to reconcile net income to net cash from operating activities:
Stock-based compensation		1,540			1,422
Depreciation		1,574			1,432
Amortization of operating lease right-of-use asset		339			127
Amortization of cloud computing implementation costs		18			21
Provision (reversal) for credit losses		5,955			2,722
Net amortization (accretion) of purchase valuation adjustments		(3,350	)		(577	)
Amortization (accretion) of premiums and discounts on securities		(2,996	)		(443	)
Amortization of intangible assets		2,003			1,103
Deferred income taxes		2,196			224
Federal Home Loan Bank stock dividends		(256	)		(337	)
Loss (gain) on sales and valuation adjustments on other real estate owned		9			(34	)
Net loss (gain) on sales and settlements of securities		—			(13	)
Change in unrealized (gains) losses on equity securities		108			1
Loss (gain) on disposal of premises and equipment		(430	)		(150	)
Loss (gain) on sales and valuation adjustments on foreclosed assets		(103	)		(11	)
Loss (gain) on sales of loans		(302	)		(86	)
Originations of loans held for sale		(19,377	)		(4,131	)
Proceeds from the sale of loans held for sale		14,975			4,393
Increase in the value of bank-owned life insurance		(1,398	)		(3,593	)
Change in fair value of derivatives recognized in earnings		47			196
Payments on operating lease payable		(460	)		(159	)
Net change in:
Interest receivable		4,263			2,122
Other assets		10,055			3,683
Interest payable and other liabilities		(16,047	)		(1,273	)
Net cash provided by operating activities		15,329			21,680
Cash flows (to) from investing activities
Purchases of available-for-sale securities		(213,955	)		(9,834	)
Proceeds from sales, calls, pay-downs and maturities of available-for-sale securities		196,960			78,346
Proceeds from calls, pay-downs and maturities of held-to-maturity securities		10			5
Net change in interest-bearing time deposits		(257	)		—
Net change in loans		56,372			(68,393	)
Purchase of government guaranteed loans		—			(61,987	)
Purchase of premises and equipment		(3,796	)		(1,464	)
Proceeds from sale of premises and equipment		1,403			273
Proceeds from sale of foreclosed assets		619			4,758
Net redemptions (purchases) of Federal Home Loan Bank and Federal Reserve Bank stock		2,021			(3,748	)
Net redemptions (purchases) of correspondent and miscellaneous other stock		(676	)		(537	)
Proceeds from sale of other real estate owned		380			456
Proceeds from investments in tax credit structures and resulting contractual obligations		851			—
Proceeds from bank owned life insurance death benefits		—			4,308
Cash acquired in purchase of Frontier Holdings, LLC		12,818			—
Net cash (used in) provided by investing activities		52,750			(57,817	)
Cash flows (to) from financing activities
Net increase (decrease) in deposits		30,328			30,556
Net change in federal funds purchased and retail repurchase agreements		(855	)		(474	)


Net borrowings (repayments) on Federal Home Loan Bank line of credit		50,250			58,661
Proceeds from Federal Home Loan Bank term advances		159,454			300,000
Principal repayments on Federal Home Loan Bank term advances		(302,204	)		(300,000	)
Proceeds from Federal Reserve Bank borrowings		1,000			—
Principal payments on Federal Reserve Bank borrowings		(1,000	)		—
Proceeds from issuance of common stock, net		—			(73	)
Proceeds from the exercise of employee stock options		—			33
Proceeds from employee stock purchase plan		524			446
Principal payments on other borrowings		(22,486	)		—
Purchase of treasury stock		(22,682	)		—
Net change in contractual obligations		(530	)		(2,669	)
Dividends paid on common stock		(3,530	)		(2,708	)
Net cash (used in) provided by financing activities		(111,731	)		83,772
Net change in cash and cash equivalents		(43,652	)		47,635
Cash and cash equivalents, beginning of period		607,817			383,747
Ending cash and cash equivalents	$	564,165		$	431,382
Supplemental cash flow information:
Interest paid	$	36,858		$	21,865
Income taxes paid, net of refunds		(229	)		—
Supplemental noncash disclosures:
Other real estate owned acquired in settlement of loans		27			113
Other repossessed assets acquired in settlement of loans		78			246
Total fair value of assets acquired in purchase of Frontier Holdings, LLC, net of cash		1,403,185			—
Total fair value of liabilities assumed in purchase of Frontier Holdings, LLC, net of cash		1,307,265			—

See accompanying condensed notes to interim consolidated financial statements.

EQUITY BANCSHARES, INC.

CONDENSED NOTES TO INTERIM CONSOLIDATED FINANCIAL STATEMENTS

March 31, 2026

(Unaudited)

(Dollar amounts in thousands, except per share data)

NOTE 1 – BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

The interim consolidated financial statements include the accounts of Equity Bancshares, Inc., its wholly-owned subsidiaries, Equity Bank (“Equity Bank”), EBAC, LLC (“EBAC”) and Equity Risk Management, Inc. (“ERMI”). ERMI provides property and casualty insurance coverage to Equity Bancshares and Equity Bank and reinsurance to other third party insurance captives for which insurance may not be currently available or economically feasible in today's insurance marketplace. The wholly-owned subsidiaries of Equity Bank are comprised of SA Holdings, Inc. (“SA Holdings”), SA Property LLC (“SA Property”), and EQBK Investments, LLC. (“EQBK Investments”). SA Holdings and SA Property were established for the purpose of holding and selling other real estate owned. EQBK Investments was established for the purpose to hold Equity Bank's investment in a real estate investment trust. These entities are collectively referred to as the “Company”. All significant intercompany accounts and transactions have been eliminated in consolidation.

The accompanying unaudited condensed interim consolidated financial statements have been prepared in accordance with United States Generally Accepted Accounting Principles (“GAAP”) for interim financial information and in accordance with guidance provided by the Securities and Exchange Commission. Accordingly, they do not include all the information and footnotes required by GAAP for complete financial information. The preparation of consolidated financial statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in the consolidated financial statements and accompanying notes. Actual results could differ from those estimates. In the opinion of management, the interim statements reflect all adjustments necessary for a fair presentation of the financial position, results of operations and cash flows of the Company on a consolidated basis and all such adjustments are of a normal recurring nature. These financial statements and the accompanying notes should be read in conjunction with the Company’s audited financial statements for the year ended December 31, 2025, included in the Company’s Annual Report on Form 10-K filed with the SEC on March 6, 2026. Operating results for the three months ended March 31, 2026, are not necessarily indicative of the results that may be expected for the year ending December 31, 2026, or any other period.

Reclassifications

Some items in prior financial statements were reclassified to conform to the current presentation. Management determined the items reclassified are immaterial to the consolidated financial statements taken as a whole and did not result in a change in equity or net income for the periods reported.

Recent Accounting Pronouncements

In November 2024, the FASB issued ASU 2024-03, Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures. The amendments in ASU 2024-03, update require disclosure, in the notes to financial statements, of specified information about certain costs and expenses. The amendments will require the Company to disclose employee compensation, depreciation, and intangible amortization included in each relevant expense caption on the face of the income statement. In addition, certain amounts already required to be disclosed under other current GAAP will be disclosed in this disaggregation and a qualitative description of the amounts remaining in each relevant expense caption. The amendments in this update are effective for annual periods beginning after December 15, 2026, and early adoption is permitted for annual financial statements that have not yet been issued or made available for issuance. The amendments in this update should be applied on a prospective basis; however, retrospective application is permitted. The Company's financial condition, results of operations and cash flows will not be impacted by this guidance; however, this guidance will impact the Company's financial statement disclosures.

In January 2025, the FASB issued ASU 2025-01, Income Statement - Reporting Comprehensive Income - Expense Disaggregation Disclosures - Clarifying the Effective Date. The amendments in ASU 2025-01, clarify that all public entities should initially adopt the disclosure requirements of ASU 2024-03 in the first annual reporting period beginning after December 15, 2026, and interim reporting periods beginning after December 15, 2027. The transition guidance included in ASU 2024-03 and related impact is unchanged by this guidance.

In November 2025, the FASB issued ASU 2025-08, Financial Instruments — Credit Losses (Topic 326): Purchased Loans. The amendments in ASU 2025-08, amends the guidance in ASC 326 to expand and clarify the accounting for acquired loans, including “purchased seasoned loans,” with the objective of addressing concerns about complexity and potential double counting of expected credit losses in acquisition accounting. ASU 2025-08 requires entities to apply the amendments prospectively to loans acquired on or after the initial application date and does not require retrospective restatement of prior periods. The amendments in this update are effective for annual periods beginning after December 15, 2026, and early adoption is permitted for annual financial statements that have not yet been issued or made available for issuance. The Company early adopted the provisions of ASU 2025-08 in connection with its acquisition of Frontier Holdings LLC, which was completed on January 1, 2026. The Company applied the guidance prospectively to loans acquired in the transaction and will apply the updated guidance to any subsequent acquisitions occurring on or after initial adoption. Early adoption of the ASU 2025-08 affected the timing and measurement of expected credit losses for acquired performing loans. The impact from adoption is included in the accompanying footnotes.

In November 2025, the FASB issued ASU 2025-09, Derivatives and Hedging (Topic 815), Hedge Accounting Improvements. The amendments in ASU 2025-09, will cause the guidance in ASC 815 to more closely align hedge accounting with the economics of an entities risk management activities by: (1) allowing aggregating in a group of individual forecasted transaction in a cash flow hedge that have similar risk exposure rather than shared risk exposure; (2) allows the application of cash flow hedge accounting on variable rate debt instruments with contractual terms that permit the borrower to change the interest rate index and interest rate tenor; (3) permits hedge accounting for forecasted purchases and sales of non-financial assets, that meet specific criteria, to apply hedge accounting to eligible components of forecasted sport-market transactions, forward-market transactions and subcomponents of an agreements pricing formula; (4) eliminates the requirement to apply the net written options test to a compound derivative that comprises a swap and a written option designated in a cash flow or fair value hedge of interest rate risk; and (5) eliminates the recognition and presentation mismatch related to a dual hedge strategy, when a foreign currency denominated debt instrument is both designated as the hedge in a net investment hedge and as the hedged item in a fair value hedge of interest rate risk. The amendments in this update are effective for annual reporting periods beginning after December 15, 2026, and interim periods within those annual reporting periods. Early adoption is permitted on any date on or after the issuance of this Update. Entities should apply the amendments in this update on a prospective basis for all hedging relationships. The company is currently evaluating the impact of adoption of ASU 2025-09, but does not expect it to have a significant impact on the Company's financial condition, results of operations or cash flows.

NOTE 2 – INVESTMENTS

The amortized cost and fair value of available-for-sale securities and the related gross unrealized gains and losses recognized in accumulated other comprehensive income (loss) are listed below.


	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Allowance for Credit Losses		Fair Value
March 31, 2026
Available-for-sale securities
U.S. Government-sponsored entities	$	25,676	$	203	$	—		$	—	$	25,879
U.S. Treasury securities		38,665		66		—			—		38,731
Mortgage-backed securities
Government-sponsored residential mortgage-backed securities		862,036		5,282		(4,250	)		—		863,068
Private label residential mortgage-backed securities		4,298		—		(95	)		—		4,203
Corporate		93,044		641		(1,325	)		—		92,360
Small Business Administration loan pools		77,400		126		(191	)		—		77,335
State and political subdivisions		24,036		27		(477	)		—		23,586
	$	1,125,155	$	6,345	$	(6,338	)	$	—	$	1,125,162


	Amortized Cost		Gross Unrealized Gains		Gross Unrealized Losses			Allowance for Credit Losses		Fair Value
December 31, 2025
Available-for-sale securities
U.S. Government-sponsored entities	$	25,960	$	338	$	—		$	—	$	26,298
U.S. Treasury securities		35,134		116		—			—		35,250
Mortgage-backed securities
Government-sponsored residential mortgage-backed securities		763,827		9,598		(1,280	)		—		772,145
Private label residential mortgage-backed securities		4,441		—		(115	)		—		4,326
Corporate		92,142		734		(1,078	)		—		91,798
Small Business Administration loan pools		80,199		130		(124	)		—		80,205
State and political subdivisions		20,767		70		(291	)		—		20,546
	$	1,022,470	$	10,986	$	(2,888	)	$	—	$	1,030,568

The amortized cost and fair value of held-to-maturity securities and the related gross unrecognized gains and losses are listed in the following tables.


	Amortized Cost		Gross Unrecognized Gains		Gross Unrecognized Losses			Allowance for Credit Losses		Fair Value
March 31, 2026
Held-to-maturity securities
Mortgage-backed securities
Government-sponsored residential mortgage-backed securities	$	3,974	$	88	$	(9	)	$	—	$	4,053
State and political subdivisions		1,280		16		(3	)		—		1,293
	$	5,254	$	104	$	(12	)	$	—	$	5,346


	Amortized Cost		Gross Unrecognized Gains		Gross Unrecognized Losses		Allowance for Credit Losses		Fair Value
December 31, 2025
Held-to-maturity securities
Mortgage-backed securities
Government-sponsored residential mortgage-backed securities	$	3,967	$	131	$	—	$	—	$	4,098
State and political subdivisions		1,281		30		—		—		1,311
	$	5,248	$	161	$	—	$	—	$	5,409

The fair value and amortized cost of debt securities at March 31, 2026, by contractual maturity, is shown below. Expected maturities will differ from contractual maturities because issuers may have the right to call or prepay obligations with or without call or prepayment penalties. Securities not due at a single maturity date, primarily mortgage-backed securities, are shown separately.


	Available-for-Sale				Held-to-Maturity
	Amortized Cost		Fair Value		Amortized Cost		Fair Value
Within one year	$	58,190	$	58,262	$	—	$	—
One to five years		32,790		33,020		—		—
Five to ten years		82,171		81,251		170		167
After ten years		8,270		8,023		1,110		1,126
Small Business Administration loan pools		77,400		77,335		—		—
Mortgage-backed securities		866,334		867,271		3,974		4,053
Total debt securities	$	1,125,155	$	1,125,162	$	5,254	$	5,346

The following table shows the carrying value and fair value of securities pledged as collateral to secure public fund deposits; borrowings from the Federal Home Loan Bank and Federal Reserve Bank; and retail repurchase obligations at March 31, 2026, and December 31, 2025.


	March 31, 2026				December 31, 2025
	Book Value		Fair Value		Book Value		Fair Value
Public fund deposits	$	728,693	$	730,822	$	785,200	$	793,014
Federal Reserve Bank borrowings		501		508		2,002		2,042
Retail repurchase agreements		39,385		39,826		40,898		41,481
Total securities pledged	$	768,579	$	771,156	$	828,100	$	836,537

The following tables show gross unrealized or unrecognized losses and fair value, aggregated by investment category, and length of time that individual securities have been in a continuous loss position at March 31, 2026, and December 31, 2025.


	Less Than 12 Months				12 Months or More				Total
	Fair Value		Unrealized Loss		Fair Value		Unrealized Loss		Fair Value		Unrealized Loss
March 31, 2026
Available-for-sale securities
U.S. Government-sponsored entities	$	—	$	—	$	—	$	—	$	—	$	—
U.S. Treasury securities		—		—		—		—		—		—
Mortgage-backed securities
Government-sponsored residential mortgage-backed securities		400,818

EQUITY BANCSHARES INC 10-Q