---
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"
generated_at: "2026-10-12T14:42:40.611731+00:00"
event_type: "other_material"
sentiment: "neutral"
materiality_score: 0.3
calibrated_materiality_score: 0.3
confidence: "high"
source: SEC EDGAR
---

# Equity Bancshares files Frontier financials: net loss $891K vs $2.93M year-ago; Lincoln Bancorp deal pending

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: other_material
- sentiment: neutral
- materiality_score: 0.3
- calibrated_materiality_score: 0.3
- confidence: high
- sec_items: 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001193125-26-412873
- JSON: https://secwatch.observer/filing/0001193125-26-412873.json
- Plain text: https://secwatch.observer/filing/0001193125-26-412873.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.