For context on Equity Bank's small-business lending footprint, see its SBA lending profile on US Lender Metrics, including approval volume, loan sizes and industry mix. SBA approvals are not the same as funded loans or recognized revenue; the profile states its reporting period.
| Quarter | Call date | Disclosure | Financial quality | Kept | Missed | |
|---|---|---|---|---|---|---|
| Q3'26 | October 15, 2026 | 9/12 | 1 high, 4 medium, 4 low flags | 0 | 0 | Call sheet → |
| Q2'26 | July 15, 2026 | 7/12 | 2 high, 4 medium, 2 low flags | 0 | 0 | Call sheet → |
| Q1'26 | April 15, 2026 | 9/12 | 1 high, 3 medium, 4 low flags | 1 | 2 | Call sheet → |
| Q4'25 | January 22, 2026 | 9/12 | 3 medium, 4 low flags | 1 | 1 | Call sheet → |
| Marked | Status | Promise |
|---|---|---|
| Q3'26 | Pending | AI/automation 'Phase 2' efficiency gains to show up 'in the numbers' over time, no explicit date given This quarter management could not quantify any specific impact and declined to give a number: 'I don't have clear line of sight today'. Open-ended promise with no deadline, worth pressing on next call. |
| Q3'26 | Pending | H2 2026 loan growth guided to 'low single digits or mid-single digits' Q3 total loans grew $39M, roughly consistent with the low end of that range on an annualized basis; Q4 still outstanding. |
| Q3'26 | Pending | H2 2026 noninterest expense guided to $94-98 million Q3 ex-merger expense was $46.7M, tracking at or slightly below the low end of the implied per-quarter run rate. |
| Q3'26 | Pending | H2 2026 noninterest income guided to $18-22 million Q3 core noninterest income came in at $10.8M, tracking roughly on pace for the midpoint of the two-quarter range assuming a similar Q4. |
| Q3'26 | Pending | H2 2026 margin guided to a 4.25%-4.35% range, management 'more optimistic about the 435 side' Period (H2 2026) not complete; interim Q3 actual printed 4.20%, below the stated low end, a concerning in-period trend heading into Q4. |
| Q2'26 | Pending | We continue to forecast a full-year effective rate of 22% to 23%. Full year has not ended; not restated on this call, no new tax rate guidance given. |
| Q2'26 | Pending | We anticipate full resolution in Q2 [of the Nebraska-driven past-due/nonaccrual spike]. The period (Q2) has ended, but the actual outcome for this specific metric is not stated on the call; the 1.86% past-due/nonaccrual metric was not repeated, and the NPA increase this quarter is instead attributed to Frontier credits, a different portfolio. |
| Q2'26 | Pending | We continue to anticipate mid-single-digit organic loan growth. Full year has not ended. This quarter's guidance narrowed/softened to 'low single digits or mid-single digits growth for the second half', a downward revision in confidence, not yet a miss. |
| Q2'26 | Pending | We remain confident in our $5 per share target for 2026. Full year has not ended. Not reaffirmed, mentioned, or walked back explicitly this quarter; the silence itself is the signal given how prominently it was featured last quarter. |
| Q1'26 | Pending | Heading into 2026, we are well positioned to use available liquidity to grow throughout our markets as we look to deliver mid-single-digit loan organic growth. Full-year target not yet concluded; this quarter's reiterated mid-single-digit target is being tested against a Q1 legacy organic run-rate of just under 1% point-to-point, or roughly 3-4% annualized, a risk to watch into Q2-Q3. |
| Q1'26 | Missed | The conversion of Frontier systems is scheduled to take place in the middle of February with anticipated cost saves realized by the end of Q1. The system conversion itself was completed on time, but full cost-save realization slipped to Q2 rather than end of Q1. |
| Q1'26 | Exceeded | We anticipate loans as a percentage of average earning assets of approximately 80% and a loan-to-deposit ratio of 88%. Actual loan-to-deposit ratio came in at 86%, a more favorable (lower) outcome than the guided 88%. |
| Q1'26 | Missed | The addition of Frontier's portfolio is not expected to have a meaningful impact on credit quality trends as their portfolio is granular and well underwritten as indicated in their history of strong credit performance. Nonaccruals rose from $40.3M to $52.4M and NPAs rose $11.6M, both explicitly attributed by management to Frontier; the scale contradicts the 'no meaningful impact' framing even though it's now characterized as a process issue rather than credit issue. |
| Q4'25 | Pending | We anticipate receiving approvals in the fourth quarter Current call does not explicitly confirm regulatory approval was received in Q4; it is only implied by the January 1 close being mentioned. Actual confirmation of approval timing not stated on the call. |
| Q4'25 | Delivered | Q4 2025 margin guided to a range of 4.4% to 4.5% Actual Q4 margin came in at 4.47%, within the guided range. |
| Q4'25 | Missed | We continue to anticipate closing the transaction in 2025 Frontier merger actually closed January 1, 2026, one day past the stated 2025 timeline, immaterial economically but a literal miss on the stated date. |
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