Equity Bancshares, Inc. (EQBK): Business Model Canvas

Tauchen Sie ein in die strategische Blaupause von Equity Bancshares, Inc. (EQBK), einem dynamischen regionalen Bankenunternehmen, das traditionelle Finanzdienstleistungen durch innovative Ansätze und tief verwurzelte Community-Verbindungen transformiert. Durch die meisterhafte Kombination von lokalem Fachwissen mit modernsten digitalen Lösungen entwickelt dieses Finanzinstitut aus dem Mittleren Westen ein einzigartiges Geschäftsmodell, das personalisierte Bankerlebnisse mit technologischer Raffinesse verbindet und so ein überzeugendes Narrativ der finanziellen Stärkung für Unternehmen und Privatpersonen in ganz Kansas und Missouri schafft.

Equity Bancshares, Inc. (EQBK) – Geschäftsmodell: Wichtige Partnerschaften

Regionalbanken und Finanzinstitute in Kansas und Missouri

Equity Bancshares unterhält strategische Partnerschaften mit den folgenden regionalen Finanzinstituten:

Partnerinstitution	Standort	Partnerschaftsfokus
Handelsbank	Kansas City, MO	Kreditsyndizierung
UMB Financial Corporation	Kansas City, MO	Dienstleistungen im Firmenkundengeschäft
Vertrauensbank	Wichita, KS	Netzwerk für Geschäftskredite

Lokale Wirtschaftsverbände und Handelskammern

Equity Bancshares arbeitet aktiv mit regionalen Unternehmensnetzwerken zusammen:

• Handelskammer von Kansas City
• Wirtschaftsentwicklungsrat des Großraums Kansas City
• Missouri Bankers Association
• Kansas Bankers Association

Technologiedienstleister für digitale Banking-Lösungen

Technologiepartner	Erbrachte Dienstleistungen	Umsetzungsjahr
Fiserv	Kernbankenplattform	2021
Jack Henry & Mitarbeiter	Digitale Banking-Infrastruktur	2022
Salesforce	Kundenbeziehungsmanagement	2023

Netzwerkpartner für Hypotheken und Kredite

Zu den Kreditpartnerschaften gehören:

• Garantierter Preis
• Bewegungshypothek
• Caliber-Wohnungsbaudarlehen

Vermögensverwaltungs- und Investmentfirmen

Investmentpartner	Art der Zusammenarbeit	Verwaltetes Vermögen
Raymond James	Netzwerk für Investitionsempfehlungen	842 Millionen Dollar
Edward Jones	Vermögensverwaltungsdienstleistungen	1,2 Milliarden US-Dollar
Wells Fargo-Berater	Finanzplanung	673 Millionen US-Dollar

Equity Bancshares, Inc. (EQBK) – Geschäftsmodell: Hauptaktivitäten

Geschäfts- und Privatkundendienstleistungen

Im vierten Quartal 2023 meldete Equity Bancshares ein Gesamtvermögen von 4,2 Milliarden US-Dollar. Die Bank betreibt 76 Bankstandorte in Kansas und Missouri.

Kategorie Bankdienstleistungen	Gesamtvolumen (2023)
Gewerbliche Kredite	2,87 Milliarden US-Dollar
Privatkundenkonten	127.500 aktive Konten
Gesamteinlagen	3,65 Milliarden US-Dollar

Kredite und Unterstützung für Kleinunternehmen

Equity Bancshares konzentriert sich auf die Kreditvergabe an kleine und mittlere Unternehmen in regionalen Märkten.

• Kreditportfolio für kleine Unternehmen: 624 Millionen US-Dollar
• Durchschnittliche Kredithöhe für Kleinunternehmen: 287.000 $
• Anzahl der Kleinunternehmenskunden: 4.200

Einlagen- und Anlageproduktmanagement

Produkttyp	Gesamtwert	Anzahl der Konten
Girokonten	1,42 Milliarden US-Dollar	89,300
Sparkonten	612 Millionen Dollar	42,100
Anlageprodukte	276 Millionen Dollar	7,500

Entwicklung einer digitalen Banking-Plattform

Investitionen und Fähigkeiten im digitalen Banking ab 2023:

• Mobile-Banking-Nutzer: 68.500
• Online-Banking-Transaktionen: 3,2 Millionen pro Quartal
• Investition in digitale Plattformen: 8,7 Millionen US-Dollar im Jahr 2023

Fusions- und Übernahmestrategien

Aktuelle M&A-Aktivitäten und Details zur regionalen Expansion:

Jahr	Transaktion	Transaktionswert
2022	Übernahme der Bank of Kansas City	287 Millionen Dollar
2023	Erweiterung der regionalen Niederlassung	42 Millionen Dollar

Equity Bancshares, Inc. (EQBK) – Geschäftsmodell: Schlüsselressourcen

Starkes regionales Bankennetzwerk im Mittleren Westen der USA

Im vierten Quartal 2023 betreibt Equity Bancshares 86 Bankstandorte in Kansas, Missouri und Oklahoma. Gesamtvermögen zum 31. Dezember 2023: 5,2 Milliarden US-Dollar.

Region	Anzahl der Filialen	Vollständige Marktpräsenz
Kansas	42	Primärmarkt
Missouri	28	Sekundärmarkt
Oklahoma	16	Expandierender Markt

Erfahrenes Management-Team

Führungsteam mit durchschnittlicher Bankerfahrung von 22 Jahren.

• Brad S. Elliott – Vorsitzender und CEO (27 Jahre Bankerfahrung)
• Gregory D. Kossmann – Finanzvorstand (19 Jahre Bankerfahrung)
• Dennis K. Weisman – Chief Operating Officer (25 Jahre Bankerfahrung)

Digitale Banking-Technologie-Infrastruktur

Technologieinvestitionen im Jahr 2023: 14,2 Millionen US-Dollar. Unterstützt wird die digitale Banking-Plattform 97.000 aktive Online-Banking-Nutzer.

Digitaler Service	Benutzerakzeptanzrate
Mobiles Banking	68%
Online-Rechnungszahlung	52%
Mobile Scheckeinzahlung	61%

Finanzkapital und Vermögensbasis

Finanzkennzahlen zum 31. Dezember 2023:

• Gesamtvermögen: 5,2 Milliarden US-Dollar
• Gesamteinlagen: 4,3 Milliarden US-Dollar
• Eigenkapital: 521 Millionen US-Dollar
• Kernkapitalquote: 12,4 %

Kundenbeziehungsmanagementsysteme

CRM-Plattform unterstützt umfassendes Kundendatenmanagement für 182.000 Kundenkonten.

Kundensegment	Anzahl der Konten
Persönliches Banking	124,000
Geschäftsbanking	58,000

Equity Bancshares, Inc. (EQBK) – Geschäftsmodell: Wertversprechen

Personalisierte Banklösungen für lokale Unternehmen und Privatpersonen

Seit dem vierten Quartal 2023 bietet Equity Bancshares Bankdienstleistungen an 44 Standorten in Kansas und Missouri an und betreut 95.000 Kundenkonten mit einem Gesamtvermögen von 4,8 Milliarden US-Dollar.

Kundensegment	Gesamtkonten	Durchschnittlicher Kontowert
Kleine Unternehmen	38,000	$215,000
Einzelne Kunden	57,000	$87,500

Wettbewerbsfähige Zinssätze und Finanzprodukte

Aktuelle Zinsangebote ab Januar 2024:

• Geschäftsscheck: 2,15 % effektiver Jahreszins
• Persönliche Ersparnisse: 1,85 % effektiver Jahreszins
• Geschäftskredite: Ab 6,25 %
• Gewerbliche Immobilienkredite: 5,90 %

Schnelle und effiziente Kreditvergabeprozesse

Kennzahlen zur Kreditvergabe für 2023:

Darlehenstyp	Genehmigungszeit	Gesamtkreditvolumen
Kredite für kleine Unternehmen	3-5 Werktage	612 Millionen Dollar
Gewerbliche Kredite	7-10 Werktage	1,2 Milliarden US-Dollar

Lokalisierter Kundenservice

Statistiken zum Community-Engagement für 2023:

• Lokale Gemeinschaftsinvestitionen: 8,3 Millionen US-Dollar
• Lokale Spenden für wohltätige Zwecke: 1,2 Millionen US-Dollar
• Gesponserte Gemeinschaftsveranstaltungen: 87

Integrierte digitale und traditionelle Bankerfahrungen

Akzeptanzraten für digitales Banking im Jahr 2023:

Digitaler Service	Benutzerprozentsatz	Jährliche Transaktionen
Mobiles Banking	68%	4,2 Millionen
Online-Banking	82%	6,7 Millionen

Equity Bancshares, Inc. (EQBK) – Geschäftsmodell: Kundenbeziehungen

Personal-Relationship-Banking-Ansatz

Seit dem vierten Quartal 2023 unterhält Equity Bancshares 47 Bankstandorte mit umfassendem Serviceangebot in Kansas und Missouri, wobei der Schwerpunkt auf personalisierten Kundeninteraktionen liegt.

Kundensegment	Personalisierungsebene	Durchschnittliche jährliche Interaktion
Persönliches Banking	Hohe Berührung	8–12 Interaktionen/Jahr
Geschäftsbanking	Dedizierter Support	15–20 Interaktionen/Jahr

Dedizierte Kundenbetreuer für Geschäftskunden

Im Jahr 2023 beschäftigte Equity Bancshares 32 spezialisierte Geschäftsbeziehungsmanager, die mittelständische und gewerbliche Kunden betreuen.

• Durchschnittliche Portfoliogröße: 35–40 Geschäftskunden pro Manager
• Mittlerer Kundenbeziehungswert: 2,4 Millionen US-Dollar
• Durchschnittliche Beziehungsdauer: 6,3 Jahre

Multi-Channel-Kundensupport

Ab Dezember 2023 bietet Equity Bancshares umfassenden Multi-Channel-Support:

Kanal	Monatlich aktive Benutzer	Transaktionsvolumen
Online-Banking	48.375 Benutzer	612.000 monatliche Transaktionen
Mobiles Banking	39.240 Benutzer	524.000 monatliche Transaktionen
Persönliches Banking	22.500 Filialbesuche	187.000 monatliche Transaktionen

Community-Engagement und lokales Event-Sponsoring

Im Jahr 2023 investierte Equity Bancshares 1,2 Millionen US-Dollar in lokale Gemeinschaftspatenschaften in Kansas und Missouri.

• Anzahl der gesponserten lokalen Veranstaltungen: 87
• Unterstützte Gemeinschaftsorganisationen: 42
• Gesamtstunden für gemeinschaftliches Engagement: 3.650

Maßgeschneiderte Finanzberatungsdienste

Equity Bancshares bietet spezialisierte Finanzberatungsdienste mit den folgenden Kennzahlen für 2023:

Beratungsdiensttyp	Anzahl der Kunden	Durchschnittliche Beratungsgebühr
Vermögensverwaltung	1.875 Kunden	0,85 % des verwalteten Vermögens
Finanzplanung für Unternehmen	620 Geschäftskunden	4.200 $ jährliche Beratungsgebühr
Ruhestandsplanung	2.340 Einzelkunden	2.800 $ jährliche Beratungsgebühr

Equity Bancshares, Inc. (EQBK) – Geschäftsmodell: Kanäle

Physisches Filialnetz in Kansas und Missouri

Ab 2024 ist Equity Bancshares tätig 44 Bankstandorte in ganz Kansas und Missouri. Die Filialverteilung ist wie folgt:

Staat	Anzahl der Filialen
Kansas	32
Missouri	12

Online-Banking-Plattform

Equity Bancshares bietet eine umfassende Online-Banking-Plattform mit den folgenden Funktionen:

• Kontoverwaltung
• Geldtransfers
• Rechnungszahlungsdienste
• E-Kontoauszüge
• Transaktionsverlauf

Mobile-Banking-Anwendung

Die mobile Anwendung der Bank bietet:

• Mobile Scheckeinzahlung
• Kontobenachrichtigungen in Echtzeit
• Kartenkontrollfunktionen
• Biometrische Anmeldung

Telefon-Banking-Dienste

Telefonbanking bietet Kundensupport rund um die Uhr automatisierte und Live-Agent-Dienste. Die durchschnittliche Anrufantwortzeit beträgt 2,5 Minuten.

ATM-Netzwerk und Partnerschaften

Equity Bancshares behauptet:

• 38 eigene Geldautomatenstandorte
• Partnerschaft mit Allpoint-Netzwerk Bietet Zugang zu über 55.000 Geldautomaten im ganzen Land

Geldautomatentyp	Nummer	Gebührenfreie Transaktionen
Eigene Geldautomaten	38	Unbegrenzt
Allpoint-Netzwerk	55,000+	Bis zu 8 pro Monat

Equity Bancshares, Inc. (EQBK) – Geschäftsmodell: Kundensegmente

Kleine bis mittlere Unternehmen

Im vierten Quartal 2023 betreut Equity Bancshares 4.237 kleine und mittlere Unternehmenskunden in Kansas und Missouri.

Geschäftssegment	Anzahl der Kunden	Durchschnittliche Kredithöhe
Professionelle Dienstleistungen	1,124	$385,000
Einzelhandelsunternehmen	876	$275,000
Herstellung	612	$525,000
Technologieunternehmen	345	$450,000

Lokale Handelsunternehmen

Gesamtzahl gewerblicher Unternehmenskunden: 2.156, Stand Dezember 2023.

• Gewerbliche Immobilienkredite: 412,6 Millionen US-Dollar
• Gewerbe- und Industriekreditportfolio: 287,3 Millionen US-Dollar
• Durchschnittlicher Geschäftskundenbeziehungswert: 1,2 Millionen US-Dollar

Privatkunden im Privatkundengeschäft

Gesamtzahl der Retail-Banking-Kunden: 87.543, Stand Dezember 2023.

Kundentyp	Anzahl der Konten	Durchschnittlicher Kontostand
Girokonten	52,314	$8,750
Sparkonten	35,229	$15,600

Vermögende Privatpersonen

Segment der vermögenden Kunden: 1.247 Kunden mit einem verwalteten Gesamtvermögen von 486,3 Millionen US-Dollar.

• Durchschnittlicher individueller Portfoliowert: 390.000 $
• Kunden im Bereich Vermögensverwaltung: 892
• Private-Banking-Kunden: 355

Kunden aus der Landwirtschaft und Landwirtschaft

Gesamtzahl der landwirtschaftlichen Kunden: 1.879, Stand Dezember 2023.

Agrarsegment	Anzahl der Kunden	Gesamte Agrarkredite
Pflanzenbau	1,024	214,5 Millionen US-Dollar
Viehhaltung	512	98,7 Millionen US-Dollar
Agrarindustrie	343	76,2 Millionen US-Dollar

Equity Bancshares, Inc. (EQBK) – Geschäftsmodell: Kostenstruktur

Betriebs- und Wartungskosten der Zweigstelle

Im 4. Quartal 2023 meldete Equity Bancshares Filialkosten in Höhe von insgesamt 24,3 Millionen US-Dollar pro Jahr. Die Aufschlüsselung umfasst:

Ausgabenkategorie	Jährliche Kosten
Miet- und Pachtkosten	8,7 Millionen US-Dollar
Dienstprogramme	3,2 Millionen US-Dollar
Wartung und Reparaturen	5,6 Millionen US-Dollar
Sicherheitsdienste	2,8 Millionen US-Dollar
Sonstige Betriebskosten	4 Millionen Dollar

Investitionen in Technologie und digitale Infrastruktur

Die Technologieausgaben für 2023 beliefen sich auf insgesamt 17,5 Millionen US-Dollar mit folgender Zuteilung:

• Kernbankensysteme: 6,2 Millionen US-Dollar
• Cybersicherheitsinfrastruktur: 4,3 Millionen US-Dollar
• Digitale Banking-Plattformen: 3,9 Millionen US-Dollar
• IT-Support und Wartung: 3,1 Millionen US-Dollar

Gehälter und Leistungen der Mitarbeiter

Die gesamten personalbezogenen Ausgaben beliefen sich im Jahr 2023 auf 92,4 Millionen US-Dollar und setzten sich wie folgt zusammen:

Vergütungskategorie	Jährliche Kosten
Grundgehälter	68,3 Millionen US-Dollar
Leistungsprämien	12,6 Millionen US-Dollar
Gesundheits- und Altersvorsorgeleistungen	11,5 Millionen US-Dollar

Kosten für die Einhaltung gesetzlicher Vorschriften

Die Compliance-Ausgaben für 2023 beliefen sich auf 9,2 Millionen US-Dollar, einschließlich:

• Rechts- und Beratungskosten: 4,5 Millionen US-Dollar
• Regulatorische Meldesysteme: 2,7 Millionen US-Dollar
• Compliance-Schulung: 2 Millionen US-Dollar

Aufwendungen für Marketing und Kundenakquise

Das Marketingbudget für 2023 betrug 6,8 Millionen US-Dollar, verteilt auf:

• Digitales Marketing: 2,9 Millionen US-Dollar
• Traditionelle Medienwerbung: 1,6 Millionen US-Dollar
• Kundengewinnungskampagnen: 2,3 Millionen US-Dollar

Equity Bancshares, Inc. (EQBK) – Geschäftsmodell: Einnahmequellen

Zinserträge aus Darlehen und Kreditprodukten

Im dritten Quartal 2023 meldete Equity Bancshares einen Gesamtzinsertrag von 116,9 Millionen US-Dollar. Die Aufschlüsselung der Darlehenszinserträge umfasst:

Kreditkategorie	Zinserträge (Mio. USD)
Gewerbliche Kredite	68.4
Immobilienkredite	42.7
Verbraucherkredite	5.8

Gebührenpflichtige Bankdienstleistungen

Die Gebühreneinnahmen für Equity Bancshares beliefen sich im Jahr 2023 auf insgesamt 27,3 Millionen US-Dollar, mit folgender Aufschlüsselung der Leistungen:

• Kontoführungsgebühren: 8,6 Millionen US-Dollar
• Transaktionsgebühren: 12,4 Millionen US-Dollar
• Gebühren für Geldautomaten und Debitkarten: 6,3 Millionen US-Dollar

Provisionen für Anlage- und Vermögensverwaltung

Investmentdienstleistungen generierten im Jahr 2023 Provisionen in Höhe von 14,2 Millionen US-Dollar, mit folgenden Schlüsselsegmenten:

Investmentservice	Provisionseinnahmen (Mio. USD)
Vermögensverwaltungsberatung	9.6
Maklerdienstleistungen	4.6

Gebühren für die Vergabe von Hypotheken

Der mit Hypotheken verbundene Umsatz belief sich im Jahr 2023 auf 22,1 Millionen US-Dollar, mit folgender Segmentierung:

• Vergabe von Wohnhypotheken: 15,7 Millionen US-Dollar
• Gebühren für gewerbliche Hypotheken: 6,4 Millionen US-Dollar

Gebühren für Treasury-Management-Services

Treasury-Management-Dienstleistungen trugen im Jahr 2023 11,8 Millionen US-Dollar zum Umsatz bei:

Treasury-Service	Umsatz (Mio. USD)
Cash-Management	6.3
Zahlungsabwicklung	5.5

Equity Bancshares, Inc. (EQBK) - Canvas Business Model: Value Propositions

You're looking at the core reasons why clients choose Equity Bancshares, Inc. over the competition. It's a deliberate mix of local service and institutional capability.

High-touch, relationship-based community banking service is central to the Equity Bancshares, Inc. offering. This isn't just a slogan; it's how they operate, delivering the traditional hometown feel of a community bank alongside their financial solutions. This approach is designed to build lasting client relationships across their operating areas.

The firm pairs that community focus with sophisticated commercial and treasury management solutions. They aim to provide the best of both worlds: customized, professional tools that you'd expect from a larger institution, delivered with a personal touch. This is key for their commercial clients who need more than just a basic checking account.

The loan book itself reflects a strategic focus on business and property lending. The Value Proposition here is a diversified loan portfolio, structured around key asset classes. As per the strategic framework, this breakdown includes:

• 51% Commercial Real Estate (CRE)
• 21% Commercial & Industrial (C&I)

To give you a sense of scale as of the third quarter of 2025, the total loan balance stood at $4.3B, supporting total assets of $6.4B. It's worth noting that as of December 31, 2024, commercial loans already represented over 71.1% of the total loan portfolio.

Geographic convenience is another pillar of the value proposition. Equity Bancshares, Inc. offers this service across four states, ensuring accessibility for their relationship-focused model. You find their presence in:

• Kansas
• Missouri
• Oklahoma
• Arkansas

The physical footprint has grown through strategic M&A activity. As of December 31, 2024, they operated 71 branches. Following the July 2, 2025, merger with NBC Oklahoma, presentations reference a network of 74 bank locations throughout these four states.

Here's a quick snapshot of the balance sheet scale supporting these value propositions as of Q3 2025:

Metric	Amount (Q3 2025)
Total Assets	$6.4B
Total Loans	$4.3B
Total Deposits	$5.1B
Market Capitalization	$778M
Tangible Book Value Per Share (TBVPS)	$31.69

The firm's core deposit franchise is strong, with total deposits at $5.1B as of Q3 2025. This stable funding base helps support the commercial lending focus that defines much of their value delivery.

Equity Bancshares, Inc. (EQBK) - Canvas Business Model: Customer Relationships

You're building a community bank model in a world that's rapidly digitizing, so your customer relationships have to work harder to justify the physical footprint. Equity Bancshares, Inc. (EQBK) leans heavily on its relationship-based model as a core differentiator against larger national players.

Dedicated commercial bankers for business clients

The engine of the relationship model at Equity Bancshares, Inc. is the dedicated banker assigned to commercial clients. This focus is clear in the loan portfolio composition; as of December 31, 2024, commercial loans represented over 71.1% of its total loan portfolio. This concentration means the bankers are deeply embedded in the business community.

The execution of this strategy is visible in recent performance metrics. For the third quarter of 2025, loan production hit $243 million, up 23% linked-quarter, which management attributes to growing relationships and deepening wallet share across the banker network. This active production pipeline, which stood at $475 million as of the end of Q3 2025, shows the direct output of these dedicated relationships.

Relationship-based model, a key community bank differentiator

Equity Bancshares, Inc. explicitly positions itself as delivering the high-quality, relationship-based customer service of a community bank, while offering sophisticated solutions. This strategy is supported by a physical presence that has grown through acquisitions, such as the recent merger with NBC, which added a new metro presence in Oklahoma City. The company's footprint includes 74 bank locations across Kansas, Missouri, Oklahoma, and Arkansas as of late 2025, with metropolitan offices in Kansas City and Tulsa.

This physical network supports the relationship focus, contrasting with purely digital competitors. The company's strategy is to provide customized service with a traditional hometown feel. The strength of this approach is reflected in the deposit franchise, where non-interest-bearing accounts closed Q3 2025 at 22.52% of total deposits, indicating sticky, low-cost operational deposits often tied to business relationships.

Digital self-service for routine transactions (mobile/online)

While the core is relationship-driven, Equity Bancshares, Inc. must support routine needs digitally. The bank offers a Client Portal for Trust & Wealth services and enrollment for Personal and Business Banking. While specific internal adoption rates for Equity Bank's digital channels aren't always public, the broader context shows the shift: nationally, 34% of consumers use a mobile banking app daily in 2025, and 77 percent of consumers prefer managing accounts via mobile app or computer. The bank's digital offering must meet this baseline expectation for efficiency.

Proactive customer service via branch staff

Proactive service is the human element layered onto the physical structure. The growth in employee count from 19 to 810 full-time equivalent employees as of December 31, 2024, supports the expanded service capabilities across the growing branch network. The branch staff are the frontline for deepening relationships and cross-selling the full range of financial solutions, which include commercial loans, consumer banking, mortgage loans, and treasury management services.

Here's a look at the scale of the physical relationship network supporting this service:

Metric	Value (Latest Available)	Date/Context
Total Bank Locations	74	Late 2025 / Q3 2025 Materials
States Served	4 (AR, KS, MO, OK)	Late 2025
Commercial Loan Portfolio Share	71.1%	December 31, 2024
Q3 2025 Loan Production	$243 million	Q3 2025

The bank's strategy is to maintain this high-touch service while integrating growth from acquisitions, like the one that added a metro presence in Oklahoma City. They are definitely balancing the physical touch with the necessary digital tools.

Finance: finalize the Q4 2025 budget allocation for relationship management training by end of month.

Equity Bancshares, Inc. (EQBK) - Canvas Business Model: Channels

You're looking at how Equity Bancshares, Inc. gets its value proposition-that blend of community bank service with sophisticated solutions-out to its customers. It's a mix of boots-on-the-ground presence and digital reach, which makes sense given their growth strategy.

The physical footprint is substantial, especially after recent expansion. As of mid-2025, following the NBC Corp. of Oklahoma acquisition, Equity Bancshares, Inc. operates a network of approximately 82 physical bank locations across Kansas, Missouri, Arkansas, and Oklahoma. This physical network supports their relationship-focused community banking model, which is key for their commercial clients.

But they aren't just relying on branches. The digital side is critical for scale and efficiency. This includes their online and mobile banking platforms, which support the core customer base, plus the fully-online offering, Brilliant Bank, which serves customers nationwide. The shift toward digital is definitely visible in the deposit mix; as of March 31, 2025, non-interest-bearing accounts, often indicative of transaction activity through digital channels, comprised approximately 21.6% of total deposits.

For 24/7 access, the infrastructure includes ITMs (Interactive Teller Machines) and ATMs, though I don't have the exact count of those specific machines for late 2025. Still, the digital platforms and physical presence work together to ensure service availability.

For the commercial side, which is a major focus, the direct sales force is crucial. These relationship managers drive the commercial lending business. To give you a sense of the scale of that business being driven through these channels, Commercial and Industrial loans represented 21% of total loans as of the second quarter of 2025.

Here's a quick look at the scale of the operation supporting these channels as of the proforma figures after the July 2025 acquisition:

Channel Component	Metric / Data Point	Latest Reported Value (2025)
Physical Footprint	Number of Bank Locations	82
Geographic Reach	States of Operation	Kansas, Missouri, Arkansas, Oklahoma
Digital Reach	Fully-Online Bank Name	Brilliant Bank
Digital Adoption Proxy	Non-Interest Bearing Deposits (% of Total Deposits, Q1 2025)	21.6%
Commercial Focus Proxy	Commercial & Industrial Loans (% of Total Loans, Q2 2025)	21%
Overall Scale	Proforma Consolidated Assets (Post-NBC Merger)	$6.4 billion

If onboarding for new commercial clients through the direct sales force is taking longer than the typical 14-day cycle, churn risk rises, especially with the competition out there.

Finance: draft the Q3 2025 cash flow impact analysis from the NBC integration by next Tuesday.

Equity Bancshares, Inc. (EQBK) - Canvas Business Model: Customer Segments

Small to mid-sized businesses and business owners

This segment is central to Equity Bancshares, Inc.'s lending activity, evidenced by the overall loan portfolio size and recent production metrics. Loan production increased by 23% linked-quarter, with originations at an average rate of 7.14% for the period ending September 30, 2025. The total loans held for investment stood at $4.3 billion as of the end of the third quarter of 2025. The acquisition of NBC Corp. of Oklahoma added $664.6 million in loan balances during the quarter. The loan-to-deposit ratio closed the period at 80.0% as of December 31, 2024.

Commercial real estate investors and developers

This group is embedded within the commercial lending focus. The addition of the NBC loan portfolio brought $7 million in new non-accrual relationships and $16.7 million in classified assets as of September 30, 2025.

Metric	Amount (as of Q3 2025)
Total Loans Held for Investment	$4.3 billion
Average Loan Balances for Q3 2025	$4.2 billion
NBC Acquisition Loan Contribution	$664.6 million
Loan Production Increase (Linked Quarter)	23%

Mass-market retail consumers and households

The retail consumer base is served through Equity Bank and the digital-focused EQ Bank. Total deposits for Equity Bancshares, Inc. were reported at $4.4 billion as of the end of the first quarter of 2025. The EQ Bank platform is a key growth area for this segment.

• EQ Bank customers reached 586,000 as of the third quarter of 2025.
• EQ Bank deposits marked among the strongest quarter-over-quarter growth in the last three years, reaching $9.7 billion in the third quarter of 2025.
• Non-interest-bearing accounts comprised approximately 21.6% of total deposits at the end of the first quarter of 2025.

Affluent individuals utilizing trust and wealth management

Services for affluent clients contribute to the non-interest income stream. The increase in non-interest income for the third quarter of 2025 was driven by improvement in customer service charge line items, which included revenue from trust and wealth management services, as the company integrated the NBC Oklahoma franchise.

Equity Bancshares, Inc. (EQBK) - Canvas Business Model: Cost Structure

You're looking at the core expenses Equity Bancshares, Inc. incurs to run its operations as of late 2025, especially following the NBC Oklahoma merger. The cost structure is heavily influenced by funding costs and the operational overhead of a growing, acquiring bank.

Interest expense on deposits and borrowings is a primary cost driver. For the third quarter of 2025, the cost of total deposits stood at 1.98%, reflecting the liabilities assumed, including those from the NBC acquisition. To be more specific about the interest-bearing portion, the cost of interest-bearing deposits was 2.58% for the same period, showing the rate paid on the funding base. This is set against a Net Interest Income of $62.5 million for Q3 2025.

Total non-interest expense for the third quarter of 2025 was reported at $49.1 million, a sequential increase from $40.0 million in the prior quarter. However, when adjusted for certain items, the figure you are tracking for the cost structure analysis is $42.9 million for Q3 2025. The difference between the reported and adjusted figure is largely explained by one-time integration and portfolio charges.

Here's a quick look at the components driving the difference between the reported and adjusted non-interest expense for Q3 2025:

Cost Component	Amount (Q3 2025)
Reported Total Non-interest Expense	$49.1 million
Less: Merger Expense (M&A Integration)	$6.2 million
Less: Loss on Other Real Estate Owned (OREO)	$797 thousand
Less: Expense related to NBC Addition (Non-merger)	$2.1 million
Implied Adjusted Non-interest Expense (Before other adjustments)	$39.903 million

The M&A integration costs are a clear component of the cost structure during this period. Specifically, the increase in non-interest expense was driven by $6.2 million in merger expense associated with closing and integrating NBC Corp of Oklahoma.

Personnel costs for branch and corporate staff are embedded within the total non-interest expense. While we don't have the exact Q3 2025 figure for personnel alone, we know that noninterest expenses in Q1 2025 increased to $39 million due to payroll dynamics and accruals. Given the expansion from the NBC merger, you'd expect this line item to be significantly higher than prior periods, reflecting the added branch and corporate staff.

Technology upgrade expenses are typically bundled into M&A integration costs or general operating expenses. The integration of NBC, which involved system conversions at the end of August 2025, certainly involved significant technology spend. You should look for specific technology capitalization or amortization schedules in the full financial filings, as these are often treated separately from immediate, expensed merger costs.

• Personnel costs are a major, ongoing component of the non-interest base.
• Merger expense of $6.2 million was a significant one-time drag in Q3 2025.
• The cost of total deposits was 1.98% for the quarter.
• The company is managing costs, as the efficiency ratio improved to 58.31% in Q3 2025 from 63.62% in Q2 2025.

Finance: draft 13-week cash view by Friday.

Equity Bancshares, Inc. (EQBK) - Canvas Business Model: Revenue Streams

You're looking at the core ways Equity Bancshares, Inc. brings in money as of late 2025, focusing on the numbers from the third quarter of 2025, which was a period of significant transformation following the NBC Oklahoma merger.

The primary engine for Equity Bancshares, Inc. remains the spread between what it earns on its assets and what it pays out on its liabilities. This is the Net Interest Income (NII).

For the third quarter of 2025, Equity Bancshares, Inc. reported NII of $62.5 million. This was a notable increase, up $12.7 million from the previous quarter, driven by the addition of earning assets from the NBC merger which closed on July 2, 2025. The Net Interest Margin (NIM) for the period expanded to 4.45%.

Interest income, the top-line component of NII, is generated across the loan portfolio. While the exact breakdown isn't itemized in the latest reports for the specific sub-categories you mentioned, the total gross loan balances closed the third quarter of 2025 at $4.3 billion. This portfolio is the source of interest earnings from:

• Interest income from commercial loans.
• Interest income from residential loans.
• Interest income from consumer loans.

The secondary, but still important, revenue component is Non-interest income. For Q3 2025, total non-interest income was $8.9 million, excluding the impact of the investment securities repositioning. This figure reflects growth of $300,000 from the prior quarter. This income is derived from various fee-based services:

Here's a quick look at the reported revenue components for Q3 2025:

Revenue Component	Q3 2025 Amount
Net Interest Income (NII)	$62.5 million
Total Non-Interest Income (Excluding Securities Impact)	$8.9 million
Total Reported Revenue	$71.4 million

The non-interest income growth was driven by several fee sources, including:

• Service charges.
• Debit/credit card fees.
• Trust and wealth management fees.
• Increases associated with the integration of the NBC franchise lines.

The focus for management is on realizing the benefits from the recent asset repositioning and the NBC acquisition, which should enhance future NII, while fee income provides a stable, albeit smaller, stream of revenue.