| Summary of Company's and Equity Bank's Capital Amounts and Ratios |
The Company’s and Equity Bank’s capital amounts and ratios at December 31, 2025 and 2024, are presented in the tables below. Ratios provided for Equity Bancshares, Inc. represent the ratios of the Company on a consolidated basis.
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Actual |
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Minimum Required for
Capital Adequacy
Under Basel III |
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To Be Well
Capitalized Under
Prompt Corrective
Provisions |
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Amount |
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Ratio |
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Amount |
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Ratio |
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Amount |
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Ratio |
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December 31, 2025 |
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Total capital to risk weighted assets |
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Equity Bancshares, Inc. |
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$ |
769,823 |
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16.31 |
% |
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$ |
495,484 |
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10.50 |
% |
$ |
N/A |
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N/A |
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Equity Bank |
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691,869 |
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14.80 |
% |
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490,860 |
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10.50 |
% |
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467,485 |
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|
10.00 |
% |
Tier 1 capital to risk weighted assets |
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Equity Bancshares, Inc. |
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641,476 |
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13.59 |
% |
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401,106 |
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8.50 |
% |
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N/A |
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N/A |
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Equity Bank |
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637,359 |
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13.63 |
% |
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397,363 |
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8.50 |
% |
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373,988 |
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8.00 |
% |
Common equity Tier 1 capital to risk weighted assets |
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Equity Bancshares, Inc. |
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617,168 |
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13.08 |
% |
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330,323 |
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7.00 |
% |
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N/A |
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N/A |
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Equity Bank |
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637,359 |
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13.63 |
% |
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327,240 |
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7.00 |
% |
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303,866 |
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6.50 |
% |
Tier 1 leverage to average assets |
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Equity Bancshares, Inc. |
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641,476 |
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10.64 |
% |
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241,199 |
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4.00 |
% |
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N/A |
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N/A |
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Equity Bank |
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637,359 |
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10.60 |
% |
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240,602 |
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4.00 |
% |
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300,753 |
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5.00 |
% |
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Actual |
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Minimum Required for
Capital Adequacy
Under Basel III |
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To Be Well
Capitalized Under
Prompt Corrective
Provisions |
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Amount |
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Ratio |
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Amount |
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Ratio |
|
Amount |
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Ratio |
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December 31, 2024 |
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Total capital to risk weighted assets |
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Equity Bancshares, Inc. |
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$ |
720,736 |
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18.07 |
% |
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$ |
418,716 |
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10.50 |
% |
$ |
N/A |
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N/A |
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Equity Bank |
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607,579 |
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15.27 |
% |
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417,722 |
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10.50 |
% |
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397,830 |
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10.00 |
% |
Tier 1 capital to risk weighted assets |
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Equity Bancshares, Inc. |
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602,496 |
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15.11 |
% |
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338,961 |
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8.50 |
% |
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N/A |
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N/A |
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Equity Bank |
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562,870 |
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14.15 |
% |
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338,156 |
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8.50 |
% |
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318,264 |
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8.00 |
% |
Common equity Tier 1 capital to risk weighted assets |
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Equity Bancshares, Inc. |
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578,550 |
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14.51 |
% |
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279,144 |
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7.00 |
% |
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N/A |
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N/A |
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Equity Bank |
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562,870 |
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14.15 |
% |
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278,481 |
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7.00 |
% |
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258,590 |
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6.50 |
% |
Tier 1 leverage to average assets |
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Equity Bancshares, Inc. |
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602,496 |
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11.67 |
% |
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206,442 |
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4.00 |
% |
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N/A |
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N/A |
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Equity Bank |
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562,870 |
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10.93 |
% |
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206,000 |
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4.00 |
% |
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257,500 |
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5.00 |
% |
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