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Jun 30
Equity Bancshares Q2 2025 Earnings Report
Equity Bancshares reported improved Q2 performance with higher net income and expanded net interest margin.
Key Takeaways
Equity Bancshares delivered strong results in Q2 2025 with a rise in adjusted EPS and expansion of its net interest margin, supported by loan growth and improved asset yields.
Net income rose to $15.3 million, with adjusted EPS at $0.94.
Net interest margin expanded to 4.17%, driven by loan volume and repricing benefits.
Total assets decreased to $5.37 billion, while tangible book value per share grew.
Merger with NBC Corp. closed post-quarter, adding significant loan and deposit growth.
Equity Bancshares
Equity Bancshares
Equity Bancshares Revenue by Segment
Revenue by Segment
Service Charges Revenue
CapyFin.comDebit Card Income Revenue
CapyFin.comMortgage Banking Revenue
CapyFin.comBank-Owned Life Ins. Revenue
CapyFin.comOther Income Revenue
CapyFin.com Forward Guidance
Equity Bancshares expects continued growth through loan expansion and strategic acquisitions while managing funding costs and credit risks.
Positive Outlook
- Successful merger with NBC Corp. adds $695.1M in loans and $800.5M in deposits.
- Loan yields and net interest margin continue to expand.
- Strong capital ratios support future growth.
- Tangible book value and equity ratios improved.
- Non-core expense reductions signal operational efficiency.
Challenges Ahead
- Decline in non-interest-bearing and brokered deposits.
- Nonperforming assets increased to 0.85% of total assets.
- Lower non-interest income due to absence of one-time life insurance benefit.
- Slight decrease in net interest income versus prior quarter.
- Ongoing macroeconomic risks such as inflation and monetary policy impact.