Equity Bank
Andover, Kansas, Butler County
$7.7B in total assets, the 209th largest of 4,309 US banks and 2nd of 185 headquartered in Kansas.
- FDIC certificate
- 25858
- Established
- 1985
- Owned by
- Equity Bancshares Inc
- Primary regulator
- FED
- Website
- www.equitybank.com
At a glance
Compared with 19 banks headquartered in Kansas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $7.7B | 95% | $1.4B | |
| Loans | $5.4B | 95% | $916M | |
| Deposits | $6.3B | 95% | $1.2B | |
| Return on assets | 0.69% | 2% | 1.43% | |
| Net interest margin | 4.59% | 98% | 3.83% | |
| Efficiency ratio | 55.9% | 42% | 60.4% | |
| Equity to assets | 11.61% | 74% | 10.11% | |
| Loans to deposits | 85% | 68% | 81% |
Growth
Total assets grew 12.6% a year over the last 5 years and 17.4% a year over 10 years, including 13 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jan 2026 | Frontier Bank Omaha, NE | $1.4B |
| Jul 2025 | NBC OKLAHOMA Oklahoma City, OK | $894M |
| Jul 2024 | KansasLand Bank Quinter, KS | $53M |
| Feb 2024 | Bank of Kirksville Kirksville, MO | $407M |
| Oct 2021 | American State Bank & Trust Company Wichita, KS | $788M |
| Oct 2020 | Almena State Bank Almena, KS | $66M |
| Aug 2018 | City Bank and Trust Company Guymon, OK | $172M |
| May 2018 | The First National Bank of Liberal Liberal, KS | $318M |
| May 2018 | Adams Dairy Bank Blue Springs, MO | $120M |
| Nov 2017 | The Eastman National Bank of Newkirk Newkirk, OK | $257M |
| Nov 2017 | Patriot Bank Tulsa, OK | $330M |
| Mar 2017 | State Bank Hoxie, KS | $151M |
| Nov 2016 | Community First Bank Harrison, AR | $469M |
| Oct 2015 | First Federal Savings and Loan Association of Independence Independence, KS | $132M |
| Oct 2012 | First Community Bank Lees Summit, MO | $590M |
| Aug 2012 | Signature Bank Haddam, KS, an affiliate under the same holding company | $6M |
| Aug 2008 | Ellis State Bank Ellis, KS | $68M |
| Oct 2006 | The First National Bank of Sarcoxie Sarcoxie, MO | $24M |
Where they operate
83 branches in 48 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Sedgwick County, KS | $1.2B | 6.0% | 5 of 38 |
| Oklahoma County, OK | $469M | 1.0% | 13 of 60 |
| Johnson County, KS | $283M | 1.1% | 23 of 60 |
| Saline County, KS | $243M | 10.9% | 4 of 12 |
| Kay County, OK | $240M | 18.3% | 3 of 8 |
| Butler County, KS | $238M | 13.3% | 2 of 12 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 54 branches since 2016 (29 to 83, +186.2%). 8 opened, 56 acquired, 10 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 29 | |||
| 2016 | Acquired Community First Bank | 5 | 0 | +5 | 34 |
| 2017 | Acquired 3 banksOpened Ponca City | 9 | 0 | +9 | 43 |
| 2018 | Acquired 3 banks | 7 | 0 | +7 | 50 |
| 2019 | Opened 3 in Oklahoma | 3 | 0 | +3 | 53 |
| 2020 | Acquired Almena State BankClosed 3 in 2 states | 2 | 3 | −1 | 52 |
| 2021 | Acquired American State Bank & Trust Company | 12 | 0 | +12 | 64 |
| 2022 | Opened 4 in 2 states | 4 | 0 | +4 | 68 |
| 2023 | Sold 1 branch to High Plains BankClosed Topeka | 0 | 2 | −2 | 66 |
| 2024 | Acquired Bank of Kirksville and KansasLand BankClosed Almena and Lees Summit | 9 | 2 | +7 | 73 |
| 2025 | Acquired NBC OKLAHOMAClosed Ponca City | 6 | 1 | +5 | 78 |
| 2026 through Q2 | Acquired Frontier BankClosed Great Bend and Liberal | 7 | 2 | +5 | 83 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 29% | 31% | |
| 1-4 family residential | 21% | 25% | |
| Business (C&I) | 18% | 14% | |
| Construction and land | 13% | 7% | |
| Farmland | 8% | 7% | |
| Multifamily | 5% | 5% | |
| Agricultural | 5% | 5% | |
| Consumer | 1% | 2% | |
| Other | 1% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 54% | 52% | |
| Time deposits | 27% | 26% | |
| Noninterest-bearing | 19% | 22% |
Brokered deposits are 8.0% of deposits (peers 5.0%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 1.06% | 0.60% |
| Net charge-offs, annualized | 0.12% | 0.05% |
| Reserves to loans | 1.19% | 1.29% |
| Leverage ratio | 10.64% | 10.23% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kansas
Largest competitors in Sedgwick County, KS
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/equity