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Equity Bancshares EQBK Net Interest Income (After Provisions)

Net Interest Income (After Provisions) at other companies

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Commerce BancsharesCBSH
$306.35M+11.6%
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$351.83M+7.2%
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$43.83M+28.9%
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Independent Bank CorporationIBCP
$45.19M+4.8%
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PCB BancorpPCB
$26.57M+9.8%
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OptimumBank HoldingsOPHC
$14.73M+60.1%

Segments

By segment

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Equity Bank$74.34M+44.1%

Other financials

Income statement

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Revenue$81.9M+40.3%
Net income$26.4M+73.2%
EPS (diluted)$1.27+47.7%

Balance sheet

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Cash & equivalents$546.5M+49.2%
Total debt$5.8M+63.0%
Total equity$827.3M+30.1%
Total assets$7.7B+43.8%

Cash flow

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Operating cash flow$38.8M+37.4%
CapEx$3.3M+44.8%
Free cash flow$35.5M+36.7%

Valuation

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Market cap$1.05B+64.3%
Enterprise value$512.75M+84.0%
P/E29.4×+19.8×
P/S4.1×+1.4×

Profitability

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Net margin14%-14.9pp
FCF margin36.1%+3.1pp

Returns & leverage

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Return on equity4.9%-7.3pp
Debt / equity0.0×

Where this comes from

Reported directly by Equity Bancshares in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss.

The source filing: Equity Bancshares’s 10-Q, filed August 7, 2026.

Filed
Aug 7, 2026, 4:18 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0001193125-26-340292
Line item(Unaudited)Three Months Ended June 30, 2026(Unaudited)Three Months Ended June 30, 2025(Unaudited)Six Months Ended June 30, 2026(Unaudited)Six Months Ended June 30, 2025
Total interest expense33,95224,38568,31248,777
Net interest income73,87249,802147,536100,094
Provision (reversal) for credit losses1,304197,2592,741
Net interest income after provision (reversal) for credit losses72,56849,783140,27797,353
Non-interest income
Service charges and fees2,4142,1774,9074,241
Debit card income3,3913,0526,5085,556
Mortgage banking589212937318

Item 1: Financial Statements

FAQ

What is Equity Bancshares's net interest income (after provisions)?
Equity Bancshares (EQBK) reported net interest income (after provisions) of $72.57M in Q2 2026.
How has Equity Bancshares's net interest income (after provisions) changed year-over-year?
Equity Bancshares's net interest income (after provisions) increased by 45.8% year-over-year, from $49.78M to $72.57M.
What is the long-term trend for Equity Bancshares's net interest income (after provisions)?
Over 4 years (2021 to 2025), Equity Bancshares's net interest income (after provisions) has grown at a 9.5% compound annual growth rate (CAGR), from $151.06M to $217.13M.
What does net interest income (after provisions) mean?
This metric is calculated by subtracting the provision for credit losses from net interest income. It provides a more accurate view of the bank's profitability by accounting for the expected credit risk associated with the loan portfolio. It serves as a key performance indicator for the bank's risk-adjusted earnings capacity.

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