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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Kansas, the state note

Equity Bank

Andover, Kansas · $7.71B in assets · beside the 11 other the Plains states banks between $3B and $10B (the state alone holds too few in the band to rank)

The filing

+50.2%
Loans, year over year
1st of 12, largest first
11.6%
Equity / assets
2nd of 12
36.5%
CRE / loans
10th of 12

Equity Bank is the seventh largest of the 12 the Plains states banks nearest its size between $3B and $10B, with $7.71B in assets at 30 June 2026. Loans are 85.4% of deposits, 6th of 12 against a median of 86.4%, and equity is 11.6% of assets, 2nd of 12. Loans grew +50.2% in the year, the fastest in the cohort, and deposits grew 47.9%; the cohort's median loan growth is +7.3%.

Noncurrent loans are 1.18% of the book, 9th of 12 against a median of 0.61%; 0.39% is 30 to 89 days past due, and the allowance covers them 1.0 times. Net charge-offs are 0.11% of loans, 7th of 12. Commercial real estate is 36.5% of loans, 10th of 12 against a median of 34.5%, and 237% of capital, below the 300% screen, with construction at 86% against the 100% screen. CRE has grown +69.3% over 36 months, past the guidance's 50% prong.

Return on assets is 1.35%, 6th of 12 against a median of 1.35%, on an efficiency ratio of 58.5%, 8th of 12. Five years ago it was 1.61%. The question is whether the new lending seasons as cleanly as the book it joined, and what funded it.

Equity as a share of assetsPlains states banks $3B to $10B · 30 June 2026 · higher is stronger, listed first
median 9.6% PN Pathward National Association 12.1% EB Equity Bank 11.6% CF Choice Financial Group 11.3% UB Union Bank & Trust Co. 10.8% CF Capitol Federal Savings Bank 10.1% PB Pinnacle Bank 9.7% BB Bcorp Bank National Association 9.6% BT Bankers Trust Co. 9.5% FB First Bank 8.4% FI First International Bank & Trust 8.4% IB Intrust Bank National Association 7.4% PB Principal Bank 5.0%
Loans, year over yearPlains states banks $3B to $10B · 30 June 2026 · no better direction, largest first
median +7.3% EB Equity Bank +50.2% PB Principal Bank +13.5% FI First International Bank & Trust +9.4% PN Pathward National Association +8.6% FB First Bank +7.8% PB Pinnacle Bank +7.7% BB Bcorp Bank National Association +7.0% UB Union Bank & Trust Co. +5.0% IB Intrust Bank National Association +3.6% CF Capitol Federal Savings Bank +1.8% BT Bankers Trust Co. +1.5% CF Choice Financial Group +0.4%

SBA 7(a), FY2008 to FY2026

Equity Bank is the 2nd largest 7(a) lender into Kansas of 343, with $119M across 219 loans, 3.7% of everything approved in the state (Live Oak Banking Company leads with $155M). 88 of its 133 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Kansas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Sedgwick, KS$27M4th of 1284.9%+2.0 pts
Johnson, KS$21M15th of 1851.7%-1.5 pts
Gove, KS$19M1st of 789.7%-10.2 pts
Lancaster, NE$14M7th of 833.6%-5.3 pts
Jackson, MO$13M20th of 1831.2%+1.0 pts
Kay, OK$8M1st of 2420.3%-42.4 pts
Payne, OK$6M3rd of 478.8%quiet FY2013
Tulsa, OK$6M33rd of 1590.5%-0.4 pts
Kearney, NE$6M1st of 693.4%quiet FY2012
Boone, AR$5M1st of 2415.0%-6.2 pts
Cooke, TX$5M12th of 433.6%quiet FY2018
Saline, KS$5M2nd of 2814.9%thin
Ellis, KS$4M2nd of 217.3%-11.3 pts
120 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services102$66M24.2%0.09%183rd of 2,596
Manufacturing74$44M16.2%0.11%166th of 2,246
Retail trade74$38M13.8%0.06%214th of 2,589
Construction65$24M8.6%0.07%206th of 2,063
Agriculture, forestry & fishing25$23M8.5%0.29%43rd of 1,007
7(a) lenders into Kansas, share of approvals since FY2008343 lenders on record; the ten largest and Equity Bank
LO Live Oak Banking Company 4.8% $155M · 129 loans EB Equity Bank 3.7% $119M · 219 loans FB First Business Bank 3.7% $119M · 183 loans UB U.S. Bank, National Association 3.6% $115M · 503 loans IB Intrust Bank National Association 3.6% $114M · 498 loans UB UMB Bank, National Association 3.3% $105M · 384 loans WF Wells Fargo Bank National Associa… 3.2% $102M · 189 loans OB Oakstar Bank 3.1% $99M · 117 loans EB Emprise Bank 2.9% $94M · 280 loans BB Busey Bank 2.6% $84M · 115 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Equity BankRankCohort median
Total CRE against capital, the 300% screen237%8th of 12220%
Construction against capital, the 100% screen86%11th of 1236%
Construction and land development, share of loans13.2%12th of 127.1%
Non-owner-occupied nonfarm nonresidential, share of loans18.7%6th of 1219.1%
Total CRE, the guidance definition, share of loans36.5%10th of 1234.5%
CRE growth over 36 months, the third prong+69.3%10th of 11+28.6%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Principal Bank$9.84B1.6%38.0%0.44%0.00%0.2%32.3%5.0%
Capitol Federal Savings Bank$9.68B0.9%52.8%0.62%0.00%0.3%118.5%10.1%
Union Bank & Trust Co.$9.24B1.6%54.7%0.32%0.10%1.6%93.1%10.8%
Bcorp Bank National Association$9.21B2.9%41.3%1.33%1.57%0.9%96.0%9.6%
Pinnacle Bank$9.18B1.4%46.3%0.07%0.00%1.1%84.0%9.7%
Bankers Trust Co.$7.83B1.0%58.5%0.31%0.07%1.4%89.7%9.5%
Equity Bank$7.71B1.4%58.5%1.18%0.11%1.2%85.4%11.6%
Pathward National Association$7.31B2.7%58.3%5.28%0.84%2.1%87.4%12.1%
Intrust Bank National Association$6.76B1.3%59.3%0.60%0.04%1.2%73.2%7.4%
First Bank$6.65B0.7%73.7%0.27%0.17%1.0%73.0%8.4%
Choice Financial Group$6.38B1.3%55.3%0.68%0.30%1.2%62.7%11.3%
First International Bank & Trust$6.18B1.2%71.0%1.54%0.20%1.0%91.3%8.4%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Equity BankCohort median
20212026Change20212026Change
Loans$2.82B$5.41B+92%$3.69B$5.31B+44%
Deposits$3.71B$6.33B+71%$5.46B$6.52B+19%
NPA / loans2.02%1.18%-0.84 pts0.51%0.61%+0.10 pts
Efficiency57.8%58.5%+0.6 pts57.9%56.8%-1.1 pts
ROA1.61%1.35%-0.26 pts1.49%1.35%-0.14 pts

This read was prepared for Equity Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Equity Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort Plains states banks $3B to $10B
Institution www.equitybank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by New England and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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