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Jun 30, 2025
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.
Revenue by Segment
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.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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