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Mar 31, 2025
Equity Bancshares Q1 2025 Earnings Report
Equity Bancshares reported Q1 2025 results with solid loan growth and margin expansion.
Key Takeaways
Equity Bancshares delivered a strong Q1 2025 with net income of $15 million, supported by a 4.27% net interest margin and continued loan growth. The company also maintained a robust capital position and announced a strategic merger with NBC Corp. of Oklahoma.
Net interest margin rose to 4.27% driven by loan growth and nonrecurring income reversals.
Net income for the quarter was $15 million, with EPS of $0.85 and core EPS of $0.90.
Loan balances increased by $130.8 million, reflecting 15.2% annualized growth.
The company announced a merger with NBC Corp. to expand its Oklahoma footprint.
Revenue by Segment
Forward Guidance
Equity Bancshares is well-positioned for continued growth in 2025 with planned merger activity and strong capital levels.
Positive Outlook
- Anticipated closing of NBC Corp. merger in Q3 2025
- Capital raise provides strategic growth flexibility
- Improved unrealized losses in securities portfolio
- Balance sheet prepared for organic and acquisitive expansion
- Strong credit quality and reserve position
Challenges Ahead
- Deposit balances (excluding brokered) declined due to seasonal outflows
- Provision for credit losses increased to $2.7 million due to economic uncertainty
- Tax rate rose to 20.2%, partially offset by BOLI income
- Non-interest income excluding BOLI was slightly down
Historical Earnings Impact
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Avg. Return Before/After Earnings
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