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REGULATORY MATTERS (Tables)
 3 Months Ended
Mar. 31, 2023
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 March 31, 2023, and December 31, 2022, 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

 

March 31, 2023

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital to risk weighted assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Equity Bancshares, Inc.

 

$

607,809

 

 

 

15.98

%

 

$

398,796

 

 

 

10.50

%

$

 

N/A

 

 

N/A

 

Equity Bank

 

 

593,794

 

 

 

15.66

%

 

 

398,200

 

 

 

10.50

%

 

 

379,238

 

 

 

10.00

%

Tier 1 capital to risk weighted assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Equity Bancshares, Inc.

 

 

487,149

 

 

 

12.83

%

 

 

322,835

 

 

 

8.50

%

 

N/A

 

 

N/A

 

Equity Bank

 

 

547,206

 

 

 

14.43

%

 

 

322,352

 

 

 

8.50

%

 

 

303,390

 

 

 

8.00

%

Common equity Tier 1 capital to risk weighted assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Equity Bancshares, Inc.

 

 

463,811

 

 

 

12.21

%

 

 

265,864

 

 

 

7.00

%

 

N/A

 

 

N/A

 

Equity Bank

 

 

547,206

 

 

 

14.43

%

 

 

265,466

 

 

 

7.00

%

 

 

246,505

 

 

 

6.50

%

Tier 1 leverage to average assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Equity Bancshares, Inc.

 

 

487,149

 

 

 

9.60

%

 

 

202,969

 

 

 

4.00

%

 

N/A

 

 

N/A

 

Equity Bank

 

 

547,206

 

 

 

10.80

%

 

 

202,605

 

 

 

4.00

%

 

 

253,257

 

 

 

5.00

%

December 31, 2022

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Total capital to risk weighted assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Equity Bancshares, Inc.

 

$

603,593

 

 

 

16.08

%

 

$

394,072

 

 

 

10.50

%

$

 

N/A

 

 

N/A

 

Equity Bank

 

 

588,165

 

 

 

15.71

%

 

 

393,168

 

 

 

10.50

%

 

 

374,445

 

 

 

10.00

%

Tier 1 capital to risk weighted assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Equity Bancshares, Inc.

 

 

483,539

 

 

 

12.88

%

 

 

319,011

 

 

 

8.50

%

 

N/A

 

 

N/A

 

Equity Bank

 

 

541,354

 

 

 

14.46

%

 

 

318,279

 

 

 

8.50

%

 

 

299,556

 

 

 

8.00

%

Common equity Tier 1 capital to risk weighted assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Equity Bancshares, Inc.

 

 

460,285

 

 

 

12.26

%

 

 

262,715

 

 

 

7.00

%

 

N/A

 

 

N/A

 

Equity Bank

 

 

541,354

 

 

 

14.46

%

 

 

262,112

 

 

 

7.00

%

 

 

243,390

 

 

 

6.50

%

Tier 1 leverage to average assets

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Equity Bancshares, Inc.

 

 

483,539

 

 

 

9.61

%

 

 

201,288

 

 

 

4.00

%

 

N/A

 

 

N/A

 

Equity Bank

 

 

541,354

 

 

 

10.77

%

 

 

201,066

 

 

 

4.00

%

 

 

251,332

 

 

 

5.00

%