Unallocated Holding

Company

Equity Bank

Amounts

Eliminations

Total

Year Ended December 31, 2025

Interest and dividend income

$

330,598

$

237

$

—

$

330,835

Interest expense

97,533

7,221

—

104,754

Net interest income

233,065

(6,984

)

—

226,081

Provision (reversal) for credit losses

8,953

—

—

8,953

Net interest income after provision (reversal) for credit losses

224,112

(6,984

)

—

217,128

Non-interest income

Service charges and fees

9,321

—

—

9,321

Debit card income

11,414

—

—

11,414

Mortgage banking

567

—

—

567

Increase in value of bank-owned life insurance

7,717

—

—

7,717

Net gain on acquisition and branch sales

—

—

—

-

Net gain (loss) from securities transactions

(53,174

)

—

—

(53,174

)

Other

8,125

33,239

(33,237

)

(a)

8,127

Total non-interest income

(16,030

)

33,239

(33,237

)

(16,028

)

Non-interest expense

Salaries and employee benefits

84,642

144

—

84,786

Net occupancy and equipment

15,801

—

—

15,801

Data processing

20,268

11

—

20,279

Professional fees

5,651

816

—

6,467

Advertising and business development

5,228

—

—

5,228

Telecommunications

2,462

—

—

2,462

FDIC insurance

2,579

—

—

2,579

Courier and postage

3,235

—

—

3,235

Free nationwide ATM cost

2,204

—

—

2,204

Amortization of core deposit intangibles

4,503

—

—

4,503

Loan expense

890

—

—

890

Other real estate owned and repossessed assets, net

1,019

10

—

1,029

Loss on debt extinguishment

—

1,361

—

1,361

Merger expenses

5,847

2,218

—

8,065

Other

16,340

(509

)

—

15,831

Intersegment service charges

(1,500

)

1,500

—

—

Total non-interest expense

169,169

5,551

—

174,720

Income (loss) before income tax

38,913

20,704

(33,237

)

26,380

Provision (benefit) for income taxes

7,071

(3,417

)

—

3,654

Total segment profit/(loss)

$

31,842

$

24,121

$

(33,237

)

$

22,726

(a) Elimination of equity in earnings of subsidiary

Unallocated Holding

Company

Equity Bank

Amounts

Eliminations

Total

Year Ended December 31, 2024

Interest and dividend income

$

296,359

$

484

$

—

$

296,843

Interest expense

103,014

7,667

—

110,681

Net interest income

193,345

(7,183

)

—

186,162

Provision (reversal) for credit losses

2,546

—

—

2,546

Net interest income after provision (reversal) for credit losses

190,799

(7,183

)

—

183,616

Non-interest income

Service charges and fees

9,830

—

—

9,830

Debit card income

10,246

—

—

10,246

Mortgage banking

861

—

—

861

Increase in value of bank-owned life insurance

4,966

—

—

4,966

Net gain on acquisition and branch sales

2,131

—

—

2,131

Net gain (loss) from securities transactions

(74

)

294

—

220

Other

10,567

61,562

(61,561

)

(a)

10,568

Total non-interest income

38,527

61,856

(61,561

)

38,822

Non-interest expense

Salaries and employee benefits

72,621

165

—

72,786

Net occupancy and equipment

14,371

—

—

14,371

Data processing

20,003

1

—

20,004

Professional fees

5,642

861

—

6,503

Advertising and business development

5,365

1

—

5,366

Telecommunications

2,501

—

—

2,501

FDIC insurance

2,483

—

—

2,483

Courier and postage

2,599

—

—

2,599

Free nationwide ATM cost

2,127

—

—

2,127

Amortization of core deposit intangibles

4,289

—

—

4,289

Loan expense

601

—

—

601

Other real estate owned and repossessed assets, net

967

(8,492

)

—

(7,525

)

Merger expenses

3,893

568

—

4,461

Other

13,921

(330

)

—

13,591

Intersegment service charges

(1,440

)

1,440

—

—

Total non-interest expense

149,943

(5,786

)

—

144,157

Income (loss) before income tax

79,383

60,459

(61,561

)

78,281

Provision (benefit) for income taxes

18,916

(3,256

)

—

15,660

Total segment profit/(loss)

$

60,467

$

63,715

$

(61,561

)

$

62,621

(a) Elimination of equity in earnings of subsidiary

Unallocated Holding

Company

Equity Bank

Amounts

Eliminations

Total

Year Ended December 31, 2023

Interest and dividend income

$

246,082

$

630

$

—

$

246,712

Interest expense

80,016

7,678

—

87,694

Net interest income

166,066

(7,048

)

—

159,018

Provision (reversal) for credit losses

1,873

—

—

1,873

Net interest income after provision (reversal) for credit losses

164,193

(7,048

)

—

157,145

Non-interest income

Service charges and fees

10,187

—

—

10,187

Debit card income

10,322

—

—

10,322

Mortgage banking

652

—

—

652

Increase in value of bank-owned life insurance

4,059

—

—

4,059

Net gain on acquisition and branch sales

—

—

—

-

Net gain (loss) from securities transactions

(51,909

)

—

—

(51,909

)

Other

7,559

15,902

(15,901

)

(a)

7,560

Total non-interest income

(19,130

)

15,902

(15,901

)

(19,129

)

Non-interest expense

Salaries and employee benefits

64,227

157

—

64,384

Net occupancy and equipment

12,325

—

—

12,325

Data processing

17,433

—

—

17,433

Professional fees

5,175

579

—

5,754

Advertising and business development

5,425

—

—

5,425

Telecommunications

1,962

1

—

1,963

FDIC insurance

2,195

—

—

2,195

Courier and postage

2,046

—

—

2,046

Free nationwide ATM cost

2,073

—

—

2,073

Amortization of core deposit intangibles

3,374

—

—

3,374

Loan expense

540

—

—

540

Other real estate owned and repossessed assets, net

617

—

—

617

Merger expenses

—

297

—

297

Other

17,678

(503

)

—

17,175

Intersegment service charges

(1,352

)

1,352

—

—

Total non-interest expense

133,718

1,883

—

135,601

Income (loss) before income tax

11,345

6,971

(15,901

)

2,415

Provision (benefit) for income taxes

(3,311

)

(2,095

)

—

(5,406

)

Total segment profit/(loss)

$

14,656

$

9,066

$

(15,901

)

$

7,821

(a) Elimination of equity in earnings of subsidiary

For the Year Ended December 31,

2025

2024

2023

Equity Bank

Administrative Adjustments

Total

Equity Bank

Administrative Adjustments

Total

Equity Bank

Administrative Adjustments

Total

Depreciation

$

6,122

$

192

$

6,314

$

5,391

$

180

$

5,571

$

4,553

$

156

$

4,709

Amortization of operating lease
   right-of-use-asset

491

—

491

475

—

475

604

—

604

Amortization of cloud computing
   implementation costs

82

—

82

138

—

138

188

—

188

Amortization of intangible assets

4,783

—

4,783

4,408

—

4,408

3,518

—

3,518

Purchase of long lived assets

13,780

—

13,780

12,542

—

12,542

15,762

92

15,854

Provision (benefit) for income taxes

7,071

(3,417

)

3,654

18,916

(3,256

)

15,660

(3,311

)

(2,095

)

(5,406

)