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Sep 30, 2025
Equity Bancshares Q3 2025 Earnings Report
Equity Bancshares reported a Q3 net loss driven by merger-related expenses and bond portfolio repositioning.
Key Takeaways
Equity Bancshares closed its NBC Oklahoma acquisition, which contributed to a rise in loan and deposit balances. Despite strong net interest income and margin expansion, the company posted a net loss due to significant one-time merger and investment-related charges.
Completed the acquisition of NBC Oklahoma, adding $664.6M in loans and $807.1M in deposits.
Reported net loss of $29.7M due to merger and bond portfolio repositioning costs.
Adjusted EPS was $1.17 after accounting for non-core expenses.
Net interest margin expanded to 4.45% due to balance sheet growth and asset yield improvement.
Revenue by Segment
Forward Guidance
Equity Bancshares expects continued performance improvement from recent acquisitions and investment reallocations, though short-term volatility remains due to integration and market risks.
Positive Outlook
- NBC merger expected to drive earnings accretion post-integration
- Improved yield from repositioned bond portfolio
- Expansion into Nebraska market via Frontier merger agreement
- Share repurchase program renewed for another year
- Dividend increased by 20%
Challenges Ahead
- One-time merger and investment losses impacted Q3 results
- Increased non-performing and classified assets post-acquisition
- Provisioning requirements increased due to acquired loan risks
- Tangible book value per share declined post-merger
Historical Earnings Impact
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Avg. Return Before/After Earnings
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