{"schema_version":"secwatch.filing_event.v1","accession":"0001193125-26-412873","form_type":"8-K","ticker":"EQBK","cik":"0001227500","company_name":"EQUITY BANCSHARES INC","filed_at":"2026-10-03T01:50:55+00:00","discovered_at":"2026-10-05T10:05:00.293016+00:00","generated_at":"2026-10-12T14:42:40.611731+00:00","sec_items":["8.01","9.01"],"event_type":"other_material","sentiment":"neutral","materiality_score":0.3,"calibrated_materiality_score":0.3,"confidence":"high","headline":"Equity Bancshares files Frontier financials: net loss $891K vs $2.93M year-ago; Lincoln Bancorp deal pending","bullets":["Frontier Holdings posted a net loss of $891K for the quarter ended Dec 31, 2025, versus net income of $2.93M a year earlier; noninterest expense jumped to $12.4M from $6.55M.","Salaries and employee benefits rose to $5.97M from $4.02M and other noninterest expense to $5.65M from $1.76M; net interest income grew to $10.9M from $9.20M.","Frontier balance sheet at Dec 31, 2025: $1.43B total assets, $1.29B loans (allowance $14.5M), $1.13B deposits, $141.1M FHLB advances; short-term borrowings fell to zero from $35M.","Members' equity slipped to $116.9M from $119.1M after $1.9M of distributions to members; provision for credit losses was $60K, down from $319K.","Equity Bancshares completed its merger with Frontier Holdings (holding company of Frontier Bank) effective Jan 1, 2026; these statements support the S-4 for the pending Lincoln Bancorp transaction."],"urls":{"canonical":"https://secwatch.observer/filing/0001193125-26-412873","json":"https://secwatch.observer/filing/0001193125-26-412873.json","markdown":"https://secwatch.observer/filing/0001193125-26-412873.md","text":"https://secwatch.observer/filing/0001193125-26-412873.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1227500/000119312526412873/0001193125-26-412873-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1227500/000119312526412873/d16704d8k.htm"},"model":{"generated_by":"deepseek-v4.1-flash:cloud@v2","generated_at":"2026-10-12T14:42:40.611731+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}