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REGULATORY MATTERS (Tables)
 6 Months Ended
Jun. 30, 2024
Banking And Thrift Disclosure [Abstract]  
Summary of Company's and Equity Bank's Capital Amounts and Ratios

The Company’s and Equity Bank’s capital amounts and ratios at June 30, 2024, and December 31, 2023, are presented in the table below. The Company was able to take advantage of the accumulated other comprehensive income exception on capital calculations that was made available by regulators in order to maintain strong regulatory ratios. Ratios provided for Equity Bancshares, Inc. represent the ratios of the Company on a consolidated basis.

 

 

Actual

 

 

Minimum Required for
Capital Adequacy Under Basel III

 

 

To Be Well
Capitalized Under
Prompt Corrective
Provisions

 

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

 

Amount

 

 

Ratio

 

June 30, 2024

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital to risk weighted assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Equity Bancshares, Inc.

 

$

595,887

 

 

 

14.61

%

 

$

428,401

 

 

 

10.50

%

$

 

N/A

 

 

N/A

 

Equity Bank

 

 

571,710

 

 

 

14.04

%

 

 

427,714

 

 

 

10.50

%

 

 

407,437

 

 

 

10.00

%

Tier 1 capital to risk weighted assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Equity Bancshares, Inc.

 

 

477,527

 

 

 

11.70

%

 

 

346,801

 

 

 

8.50

%

 

N/A

 

 

N/A

 

Equity Bank

 

 

526,777

 

 

 

12.93

%

 

 

346,245

 

 

 

8.50

%

 

 

325,877

 

 

 

8.00

%

Common equity Tier 1 capital to risk weighted assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Equity Bancshares, Inc.

 

 

453,758

 

 

 

11.12

%

 

 

285,601

 

 

 

7.00

%

 

N/A

 

 

N/A

 

Equity Bank

 

 

526,777

 

 

 

12.93

%

 

 

285,143

 

 

 

7.00

%

 

 

264,775

 

 

 

6.50

%

Tier 1 leverage to average assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Equity Bancshares, Inc.

 

 

477,527

 

 

 

9.14

%

 

 

208,903

 

 

 

4.00

%

 

N/A

 

 

N/A

 

Equity Bank

 

 

526,777

 

 

 

10.11

%

 

 

208,473

 

 

 

4.00

%

 

 

260,591

 

 

 

5.00

%

December 31, 2023

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital to risk weighted assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Equity Bancshares, Inc.

 

$

589,131

 

 

 

15.48

%

 

$

399,729

 

 

 

10.50

%

$

N/A

 

 

N/A

 

Equity Bank

 

 

571,938

 

 

 

15.05

%

 

 

399,006

 

 

 

10.50

%

 

 

380,006

 

 

 

10.00

%

Tier 1 capital to risk weighted assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Equity Bancshares, Inc.

 

 

470,659

 

 

 

12.36

%

 

 

323,590

 

 

 

8.50

%

 

N/A

 

 

N/A

 

Equity Bank

 

 

526,793

 

 

 

13.86

%

 

 

323,005

 

 

 

8.50

%

 

 

304,004

 

 

 

8.00

%

Common equity Tier 1 capital to risk weighted assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Equity Bancshares, Inc.

 

 

447,064

 

 

 

11.74

%

 

 

266,486

 

 

 

7.00

%

 

N/A

 

 

N/A

 

Equity Bank

 

 

526,793

 

 

 

13.86

%

 

 

266,004

 

 

 

7.00

%

 

 

247,004

 

 

 

6.50

%

Tier 1 leverage to average assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Equity Bancshares, Inc.

 

 

470,659

 

 

 

9.46

%

 

 

199,112

 

 

 

4.00

%

 

N/A

 

 

N/A

 

Equity Bank

 

 

526,793

 

 

 

10.60

%

 

 

198,782

 

 

 

4.00

%

 

 

248,477

 

 

 

5.00

%