BlastPoint's Banking Scorecard

Equity Bank

$1B-$10B Specialty: Commercial KS FDIC cert 25858

Andover, KS

83 branches across KS · MO · OK · NE · AR

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in KS.
Deposits +47.9% year over year ($6.3B on the books).
Delinquency rate 1.19%.
Return on assets 1.37%.
Efficiency ratio 55.88% vs a 59.73% peer average.
Loan-to-deposit ratio 84.40% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 20 in KS

View $1B-$10B leaderboard (KS) →

Equity Bank has 2 strengths but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.72% above tier average
+ Efficiency Ratio 3.85% below tier average

Key Concerns

Areas that may need attention

- NIB Deposit Bleed: Bottom 69.6% in tier
- Delinquency Rate 0.32% above tier average

Get updates when Equity Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$7.7B +43.9% YoY +0.8% QoQ	+$4.9B	$2.8B -0.6% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	Top 4.9% in tier
Total Loans ?	$5.3B +50.3% YoY -0.5% QoQ	+$3.4B	$2.0B -0.3% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	Top 5.1% in tier
Total Deposits ?	$6.3B +47.9% YoY -0.0% QoQ	+$4.0B	$2.3B -0.5% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	Top 4.5% in tier
Return on Assets ?	1.37% +4.8% YoY +19.6% QoQ	-0.02%	1.39% +17.0% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	60%
Net Interest Margin ?	4.59% +7.1% YoY -3.5% QoQ	+0.72%	3.87% +6.2% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	Top 10.7% in tier
Efficiency Ratio ?	55.88% -7.5% YoY -6.4% QoQ	-3.85%	59.73% -12.6% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	60%
Delinquency Rate ?	1.19% -2.2% YoY +15.3% QoQ	+0.32%	0.87% +11.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	23%
Loan-to-Deposit Ratio ?	84.40% +1.6% YoY -0.5% QoQ	-0.63%	85.04% -0.1% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	57%
Non-Interest-Bearing Deposit Share ?	19.48% -14.2% YoY -7.8% QoQ	-1.79%	21.27% -1.5% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	48%
Nonperforming Asset Ratio ?	0.87% -2.2% YoY +10.6% QoQ	+0.20%	0.67% +11.7% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	26%
Tier 1 Capital Ratio ?	13.08% -9.5% YoY +3.2% QoQ	-1.77%	14.84% -0.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	50%
Non-Interest Income / Assets ?	0.27% -22.8% YoY +101.5% QoQ	-0.26%	0.53% +2.5% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	44%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Noninterest-Bearing	19.5% -3.2pp YoY -1.6pp QoQ	-1.9pp	21.4%	22.3%	22.2%	48%
Brokered Deposits	8.0% +4.7pp YoY +2.3pp QoQ	-1.5pp	9.5%	8.7%	8.5%	62%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	17.8% -3.3pp YoY 0.0pp QoQ	+3.8pp	14.0%	12.6%	12.5%	75%
CRE	47.4% +1.4pp YoY +1.1pp QoQ	-2.6pp	50.0%	28.8%	41.4%	43%
1-4 Family	21.4% -0.6pp YoY -0.9pp QoQ	-5.0pp	26.4%	26.7%	31.3%	45%
Consumer	1.2% -1.0pp YoY 0.0pp QoQ	-3.5pp	4.7%	4.6%	5.0%	49%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	13.1% -1.4pp YoY +0.4pp QoQ	-2.5pp	15.6%	23.3%	19.7%	43%
Leverage Ratio	10.6% -0.5pp YoY +0.5pp QoQ	-0.7pp	11.3%	12.6%	12.6%	53%
Total Capital Ratio	14.2% -1.4pp YoY +0.4pp QoQ	-2.5pp	16.7%	24.4%	20.8%	42%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	1,025 +211 (+25.9%) YoY +38 (+3.9%) QoQ	+711	313	70	482	98%
Assets per Employee ($)	$7.5M +14.3% YoY -2.9% QoQ	-$3.0M	$10.5M	$7.1M	$8.8M	31%
Branch Count	83 +11 (+15.3%) YoY -2 (-2.4%) QoQ	+63	20	6	18	99%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	0.1% 0.0pp YoY 0.0pp QoQ	-0.1pp	0.2%	0.4%	0.4%	67%
Nonaccrual	1.1% -0.1pp YoY +0.2pp QoQ	+0.3pp	0.8%	0.8%	1.0%	77%
Allowance Coverage	1.01x -3.2% YoY -12.6% QoQ	-17.70x	18.71x	22.44x	20.23x	24%
Net Charge-off Rate (YTD)	0.1% +0.1pp YoY 0.0pp QoQ	-0.1pp	0.3%	0.1%	0.2%	71%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	11.8% -0.1pp YoY +1.9pp QoQ	-0.8pp	12.6%	14.3%	11.6%	48%
Cost of Funds (YTD)	2.0% +0.1pp YoY -0.1pp QoQ	+0.1pp	1.9%	1.6%	1.7%	54%
Net Income ($, YTD)	$49.5M +41.0% YoY — QoQ	+$30.3M	$19.2M	$3.7M	$40.4M	93%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

NIB Deposit Bleed

decline

#33 of 46 • Bottom 69.6% in tier

Non-interest-bearing deposit share dropped 2+ pp YoY and now below the tier median. Cheap funding leaving for higher-yield competitors.

Why this signature

Noninterest-Bearing Deposit Share: 19.48%

(Tier: 21.27%, National: 21.98%)

worse than tier avg

46 of 46 Mid-Market banks match · 211 nationally

↓ Shrinking -26 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (4 metrics)

Total Deposits

size

Value: $6.33B

Peer Median: $2.32B

#41 of 885 Top 4.5% in $1B-$10B

Total Assets

size

Value: $7.71B

Peer Median: $2.79B

#44 of 885 Top 4.9% in $1B-$10B

Total Loans

size

Value: $5.34B

Peer Median: $1.96B

#46 of 885 Top 5.1% in $1B-$10B

Net Interest Margin

profitability

Value: 4.59%

Peer Median: 3.87%

#96 of 885 Top 10.7% in $1B-$10B

Top Weaknesses (1 metrics)

678

Delinquency Rate

credit_quality

Value: 1.19%

Peer Median: 0.87%

#678 of 882 Bottom 23.2% in $1B-$10B