| Income Statement | 2025-09-30 | 2025-06-30 | 2024-09-30 | |
|---|---|---|---|---|
| Loans, including fees | 76,911 | 62,868 | 62,089 | |
| Securities, taxable | 9,416 | 8,821 | 9,809 | |
| Securities, nontaxable | 307 | 358 | 400 | |
| Federal funds sold and other | 4,464 | 2,140 | 2,667 | |
| Total interest and dividend income | 91,098 | 74,187 | 74,965 | |
| Deposits | 24,990 | 20,090 | 23,679 | |
| Federal funds purchased and retail repurchase agreements | 263 | 219 | 261 | |
| Federal home loan bank advances | 1,741 | 2,224 | 3,089 | |
| Federal reserve bank borrowings | 0 | 0 | - | |
| Subordinated debt | 1,619 | 1,852 | 1,905 | |
| Total interest expense | 28,613 | 24,385 | 28,934 | |
| Net interest income | 62,485 | 49,802 | 46,031 | |
| Non-interest income-Debit Card | - | 3,052 | - | |
| Provision (reversal) for credit losses | 6,228 | 19 | 1,183 | |
| Non-interest income-Mortgage Banking | - | 212 | - | |
| Net interest income after provision (reversal) for credit losses | 56,257 | 49,783 | 44,848 | |
| Non-interest income-Financial Service | 2,522 | 2,177 | - | |
| Non-interest income-Debit Card | 2,953 | - | - | |
| Non-interest income-Mortgage Banking | 62 | - | - | |
| Increase in value of bank-owned life insurance | 1,393 | 1,321 | - | |
| Net gain on acquisition and branch sales | 0 | 0 | - | |
| Net gain (loss) from securities transactions | -53,352 | 12 | - | |
| Other | 1,943 | 1,815 | - | |
| Total non-interest income | -44,479 | 8,589 | 9,317 | |
| Salaries and employee benefits | 22,773 | 19,735 | 18,494 | |
| Net occupancy and equipment | 4,317 | 3,482 | 3,478 | |
| Data processing | 4,887 | 5,055 | 5,152 | |
| Professional fees | 1,670 | 1,361 | 1,487 | |
| Advertising and business development | 1,305 | 1,208 | 1,368 | |
| Telecommunications | 630 | 588 | 660 | |
| Fdic insurance | 653 | 464 | 660 | |
| Courier and postage | 744 | 834 | 686 | |
| Free nationwide atm cost | 582 | 547 | 544 | |
| Other real estate owned | - | - | 7,719 | |
| Amortization of core deposit intangibles | 1,182 | 1,016 | 1,112 | |
| Loan expense | 330 | 281 | 143 | |
| Other real estate owned and repossessed assets, net | -797 | -103 | - | |
| Loss on debt extinguishment | 0 | -1,361 | - | |
| Merger expenses | 6,163 | 355 | 618 | |
| Other | 3,049 | 3,611 | 3,645 | |
| Total non-interest expense | 49,082 | 40,001 | 30,328 | |
| Income (loss) before income tax | -37,304 | 18,371 | 23,837 | |
| Provision (benefit) for income taxes | -7,641 | 3,107 | 3,986 | |
| Net income (loss) and net income (loss) allocable to common stockholders | -29,663 | 15,264 | 19,851 | |
| Earnings per share, basic, total | -1.55 | 0.87 | 1.3 | |
| Earnings per share, diluted, total | -1.55 | 0.86 | 1.28 | |
| Weighted average number of shares outstanding, basic | 19,129,726 | 17,524,296 | 15,258,822 | |
| Weighted average number of shares outstanding, diluted | 19,129,726 | 17,651,298 | 15,451,545 | |
EQUITY BANCSHARES INC (EQBK)
EQUITY BANCSHARES INC (EQBK)