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Equity Bancshares Inc's Business Segments
Equity Bancshares Inc's reported revenue by business segment and by geographic region, quarterly and annual, normalized against the consolidated income statement. Free below: the top 3 rows per table, this quarter and this fiscal year. Subscriber access adds the full segment history and operating income by segment.
Segment Data As of Q2 FY2026
Reportable Segments
4
Largest Segment
Debit Card Income Equity Bank
Total Revenue
$ 81
Regions Reported
-
Revenue Share by Reportable Segment - Q2 FY2026
- Debit Card Income Equity Bank4.2%
- Service Charges and Fees Equity Bank2.6%
- Accounting Standards Update 2014-09 Other Non Interest Income Related To Loans and Deposits0.7%
- Mortgage Banking Equity Bank0.4%
Revenue by Reportable Segment - Q2 FY2026
| Segment | Revenue (Millions) | % of Total |
|---|---|---|
| Debit Card Income Equity Bank | $ 3 | 4.2% |
| Service Charges and Fees Equity Bank | $ 2 | 2.6% |
| Accounting Standards Update 2014-09 Other Non Interest Income Related To Loans and Deposits | $ 1 | 0.7% |
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Description of Equity Bancshares Inc
We are a bank holding company headquartered in Wichita, Kansas. Our wholly-owned banking subsidiary, Equity Bank, provides a broad range of financial services primarily to businesses and business owners as well as individuals through our network of 29 full service branches located in Kansas and Missouri.
Our principal objective is to increase stockholder value and generate consistent
earnings growth by expanding our commercial banking franchise both organically
and through strategic acquisitions. We strive to provide an enhanced banking
experience for our customers by providing them with a comprehensive suite of
sophisticated banking products and services tailored to meet their needs, while
delivering the high-quality, relationship-based customer service of a community
bank.
Equity Bancshares Inc. is a diversified financial services company that provides a wide array of banking products and services, primarily targeting commercial, industrial, agricultural, and consumer loan markets. Below is an extensive description of the major segments, products, and services that Equity Bancshares Inc. offers:
1. Commercial and Industrial Loans
This segment comprises various loan products designed to meet the financial needs of businesses. Key offerings in this segment include:
- Commercial Lines of Credit: Flexible borrowing solutions that allow businesses to access funds as needed for operational expenses or short-term financing.
- Working Capital Loans: Loans specifically intended to finance a company’s everyday operations and maintain liquidity.
- Commercial Real Estate-Backed Loans: Loans secured against commercial properties, including owner-occupied real estate.
- Term Loans: Standard loans with a fixed repayment schedule tailored to a business’s capital needs.
- Equipment Financing: Loans designed specifically to purchase new or used equipment.
- Acquisition, Expansion, and Development Loans: Financing to support business acquisitions, expansions, or real estate developments.
- Borrowing Base Loans: Loans tied to specific assets and inventory that determine the loan amount available.
- Real Estate Construction Loans: Loans for constructing commercial properties, requiring careful project evaluation and appraisal.
- Homebuilder Loans: Financing provided to builders for residential construction projects.
- Restaurant Franchise Loans: Loans tailored for expanding or starting restaurant franchises.
- Hotel Financing: Loans aimed at the hospitality industry for new projects or renovations.
- Government-Guaranteed Loans: Loans backed by government agencies, offering lower interest rates and favorable terms.
- Letters of Credit: Financial guarantees issued by the bank on behalf of its clients to assure payment to third parties.
The loans typically have variable interest rates with terms generally ranging from one to five years. The bank takes collateral on general business assets such as real estate, accounts receivable, and inventory, and typically requires personal guarantees from borrowers or principals.
Syndicated Loans
Equity Bancshares also participates in syndicated loans, where multiple lenders collaborate on large loans to businesses:
- Shared National Credits: Loans made to large corporations classified as shared national credits involving multiple financial institutions.
- Middle-Market Loans: Financing for companies that do not meet the regulatory definition of shared national credits.
The bank conducts an independent review of these loans ensuring that they fit its credit policies, thus diversifying its balance sheet and mitigating interest rate risks.
Mortgage Finance Loans
Since 2015, Equity Bancshares has engaged in mortgage finance loans that involve purchasing ownership interests in single-family residential mortgages from other institutions. These short-term loans are expected to diversify the banks balance sheet and manage interest rate risk, and they adhere to specific credit guidelines.
Commercial Real Estate Loans
Equity Bancshares offers commercial real estate loans, which can be owner-occupied or non-owner-occupied:
- Loan Structure: These loans are generally secured by a first lien on the property and include both variable and fixed interest rates. The amortization terms typically range from 10 to 20 years, with balloon payments or rate adjustments occurring within three to seven years.
- Underwriting Analysis: Detailed evaluations involve considering property age, condition, operating history, market rental rates, and borrower liquidity to minimize credit risk.
Real Estate Construction Loans
Construction loans finance the building of residential and non-residential properties and generally carry the following characteristics:
- Collateralization: Loans are secured by first liens on real estate with floating interest rates.
- Underwriting Process: Includes detailed inspections and assessments of the borrower’s financial stability, project feasibility, and estimated costs.
- Loan Terms: Typically range from six months to two years with a primary interest-only structure during the construction phase.
1 - 4 Family Residential Mortgages
These loans are offered for owner-occupied residential properties, featuring:
- Loan Types: Standard options include 30-year fixed-rate mortgages and adjustable-rate mortgages (ARMs).
- Credit Guidelines: Loans are regulated to ensure a maximum loan-to-value ratio of 80%.
- Acquisition of Other Mortgages: The bank occasionally purchases pools of residential mortgages from other institutions for investment purposes.
Agricultural Loans
Equity Bancshares provides a variety of loans tailored to the agricultural sector:
- Real Estate Loans: Fixed and adjustable-rate loans that finance the purchase of farmland or other agricultural real estate, typically amortizing over 20 years with a maximum loan-to-value ratio of 80%.
- Operating Loans: Loans that support crop production and seasonal operations, with terms generally not exceeding seven years.
- Specialized Financing: Additional loans for machinery, equipment, breeding stock, and operational expenses related to livestock.
To mitigate risk, borrowers may be required to have crop insurance, and loans underwritten through USDA programs may carry certain guarantees.
8. Consumer Loans
Equity Bancshares also caters to individuals through various consumer loan products:
- Personal Loans: A mix of secured and unsecured term loans for personal financial needs.
- Home Improvement Loans: Loans specifically designed toward funding home repair and improvement projects.
Consumer loans often bear higher risks than real estate loans; therefore, the bank undertakes comprehensive assessments based on borrowers’ financial stability and available collateral.
Summary
Equity Bancshares Inc. offers a well-rounded suite of financial products and services that cater to commercial, industrial, agricultural, and consumer client needs. The bank employs thorough underwriting and risk management practices to optimize lending while ensuring adherence to regulatory standards, allowing it to serve diverse markets effectively.
1. Commercial and Industrial Loans
This segment comprises various loan products designed to meet the financial needs of businesses. Key offerings in this segment include:
- Commercial Lines of Credit: Flexible borrowing solutions that allow businesses to access funds as needed for operational expenses or short-term financing.
- Working Capital Loans: Loans specifically intended to finance a company’s everyday operations and maintain liquidity.
- Commercial Real Estate-Backed Loans: Loans secured against commercial properties, including owner-occupied real estate.
- Term Loans: Standard loans with a fixed repayment schedule tailored to a business’s capital needs.
- Equipment Financing: Loans designed specifically to purchase new or used equipment.
- Acquisition, Expansion, and Development Loans: Financing to support business acquisitions, expansions, or real estate developments.
- Borrowing Base Loans: Loans tied to specific assets and inventory that determine the loan amount available.
- Real Estate Construction Loans: Loans for constructing commercial properties, requiring careful project evaluation and appraisal.
- Homebuilder Loans: Financing provided to builders for residential construction projects.
- Restaurant Franchise Loans: Loans tailored for expanding or starting restaurant franchises.
- Hotel Financing: Loans aimed at the hospitality industry for new projects or renovations.
- Government-Guaranteed Loans: Loans backed by government agencies, offering lower interest rates and favorable terms.
- Letters of Credit: Financial guarantees issued by the bank on behalf of its clients to assure payment to third parties.
The loans typically have variable interest rates with terms generally ranging from one to five years. The bank takes collateral on general business assets such as real estate, accounts receivable, and inventory, and typically requires personal guarantees from borrowers or principals.
Syndicated Loans
Equity Bancshares also participates in syndicated loans, where multiple lenders collaborate on large loans to businesses:
- Shared National Credits: Loans made to large corporations classified as shared national credits involving multiple financial institutions.
- Middle-Market Loans: Financing for companies that do not meet the regulatory definition of shared national credits.
The bank conducts an independent review of these loans ensuring that they fit its credit policies, thus diversifying its balance sheet and mitigating interest rate risks.
Mortgage Finance Loans
Since 2015, Equity Bancshares has engaged in mortgage finance loans that involve purchasing ownership interests in single-family residential mortgages from other institutions. These short-term loans are expected to diversify the banks balance sheet and manage interest rate risk, and they adhere to specific credit guidelines.
Commercial Real Estate Loans
Equity Bancshares offers commercial real estate loans, which can be owner-occupied or non-owner-occupied:
- Loan Structure: These loans are generally secured by a first lien on the property and include both variable and fixed interest rates. The amortization terms typically range from 10 to 20 years, with balloon payments or rate adjustments occurring within three to seven years.
- Underwriting Analysis: Detailed evaluations involve considering property age, condition, operating history, market rental rates, and borrower liquidity to minimize credit risk.
Real Estate Construction Loans
Construction loans finance the building of residential and non-residential properties and generally carry the following characteristics:
- Collateralization: Loans are secured by first liens on real estate with floating interest rates.
- Underwriting Process: Includes detailed inspections and assessments of the borrower’s financial stability, project feasibility, and estimated costs.
- Loan Terms: Typically range from six months to two years with a primary interest-only structure during the construction phase.
1 - 4 Family Residential Mortgages
These loans are offered for owner-occupied residential properties, featuring:
- Loan Types: Standard options include 30-year fixed-rate mortgages and adjustable-rate mortgages (ARMs).
- Credit Guidelines: Loans are regulated to ensure a maximum loan-to-value ratio of 80%.
- Acquisition of Other Mortgages: The bank occasionally purchases pools of residential mortgages from other institutions for investment purposes.
Agricultural Loans
Equity Bancshares provides a variety of loans tailored to the agricultural sector:
- Real Estate Loans: Fixed and adjustable-rate loans that finance the purchase of farmland or other agricultural real estate, typically amortizing over 20 years with a maximum loan-to-value ratio of 80%.
- Operating Loans: Loans that support crop production and seasonal operations, with terms generally not exceeding seven years.
- Specialized Financing: Additional loans for machinery, equipment, breeding stock, and operational expenses related to livestock.
To mitigate risk, borrowers may be required to have crop insurance, and loans underwritten through USDA programs may carry certain guarantees.
8. Consumer Loans
Equity Bancshares also caters to individuals through various consumer loan products:
- Personal Loans: A mix of secured and unsecured term loans for personal financial needs.
- Home Improvement Loans: Loans specifically designed toward funding home repair and improvement projects.
Consumer loans often bear higher risks than real estate loans; therefore, the bank undertakes comprehensive assessments based on borrowers’ financial stability and available collateral.
Summary
Equity Bancshares Inc. offers a well-rounded suite of financial products and services that cater to commercial, industrial, agricultural, and consumer client needs. The bank employs thorough underwriting and risk management practices to optimize lending while ensuring adherence to regulatory standards, allowing it to serve diverse markets effectively.