EQBK Equity Bancshares, Inc.

Margins & Returns

Equity Bancshares, Inc. serves as the parent company for Equity Bank, providing a comprehensive range of banking, mortgage, and financial solutions to both individual consumers and corporate clients. The bank offers various deposit accounts, including checking, savings, money market, and time deposits. Its loan portfolio is extensive, catering primarily to businesses with products like commercial and industrial financing, commercial real estate loans, working capital lines of credit, term loans, equipment financing, and funding for acquisitions, expansions, and construction projects. Specialized lending programs are also available for homebuilders, agricultural ventures, and government-guaranteed initiatives. These commercial offerings support a diverse client base, from national and regional companies, restaurant franchisees, and hoteliers, to real estate developers, manufacturing firms, and agribusinesses. For individuals and professionals, Equity Bank provides consumer credit options such as residential mortgages, home equity loans and lines of credit, personal installment loans, secured and unsecured personal lines of credit, and overdraft protection, alongside letters of credit. Beyond traditional banking, the company furnishes essential services like debit cards, online banking with features like balance inquiries, transfers, bill payment, and electronic statements, as well as mobile banking for remote check deposits and mobile bill pay. Customers also have access to ATMs, treasury management services, wire transfers, ACH, and stop payment functionalities. Furthermore, its cash management suite for businesses includes lockbox services, remote deposit capture, positive pay, reverse positive pay, account reconciliation, zero balance accounts, and sweep accounts. The bank also offers convenient banking access through telephone, mail, and personal appointments. As of December 31, 2021, Equity Bank operated a network of 69 branches spanning Arkansas, Kansas, Missouri, and Oklahoma. The company was founded in 2002 and is headquartered in Wichita, Kansas.