| Summary of Company's and Equity Bank's Capital Amounts and Ratios |
The Company’s and Equity Bank’s capital amounts and ratios at March 31, 2026, and December 31, 2025, are presented in the table 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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March 31, 2026 |
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Total capital to risk weighted assets |
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Equity Bancshares, Inc. |
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$ |
840,637 |
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14.36 |
% |
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$ |
614,699 |
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10.50 |
% |
$ |
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N/A |
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N/A |
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Equity Bank |
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807,147 |
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13.82 |
% |
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613,378 |
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10.50 |
% |
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584,170 |
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10.00 |
% |
Tier 1 capital to risk weighted assets |
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Equity Bancshares, Inc. |
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700,029 |
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11.96 |
% |
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497,613 |
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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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740,401 |
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12.67 |
% |
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496,544 |
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8.50 |
% |
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467,336 |
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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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675,629 |
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11.54 |
% |
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409,799 |
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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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740,401 |
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12.67 |
% |
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408,919 |
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7.00 |
% |
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379,710 |
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6.50 |
% |
Tier 1 leverage to average assets |
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Equity Bancshares, Inc. |
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700,029 |
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9.59 |
% |
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292,121 |
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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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740,401 |
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10.18 |
% |
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291,061 |
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4.00 |
% |
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363,827 |
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5.00 |
% |
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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