Equity Bancshares Inc 8-K, filed Feb 17, 2026
Equity Bancshares Inc (EQBK)
About this 8-K
Equity Bancshares Inc filed this 8-K on February 17, 2026, reporting on events of February 13, 2026.
Items reported
- Item 1.01: Entered into a material agreement
- Item 2.03: New debt or off-balance-sheet obligation
- Item 9.01: Financial statements and exhibits
UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
WASHINGTON, D.C. 20549
FORM 8-K
CURRENT REPORT
Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934
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Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:
Securities registered pursuant to Section 12(b) of the Act:
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Trading |
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Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§ 230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§ 240.12b-2 of this chapter).
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐
Item 1.01 Entry into a Material Definitive Agreement.
On February 13, 2026, Equity Bancshares, Inc. (the “Company”), as borrower, entered into the Ninth Amendment (the “Amendment”) to its Loan and Security Agreement (the “Agreement”) with ServisFirst Bank. The Amendment extended the maturity date of the commitment to extend credit under the Agreement to February 10, 2027.
The foregoing summary of the Amendment does not purport to be a complete description of the terms and conditions of the
Amendment and is qualified in its entirety by the full text of the Amendment attached as Exhibit 10.1, which is incorporated herein by reference.
Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement of a Registrant.
The information set forth in Item 1.01 of this Current Report on Form 8-K is incorporated herein by reference.
Item 9.01 Financial Statements and Exhibits.
(d) Exhibits
Exhibit No. |
Description |
10.1 |
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104 |
Cover Page Interactive Data File |
SIGNATURES
Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.
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Equity Bancshares, Inc. |
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February 17, 2026 |
By: |
/s/ Chris M. Navratil |
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Chris M. Navratil |
Exhibit 10.1
NINTH AMENDMENT TO LOAN AND SECURITY AGREEMENT
THIS NINTH AMENDMENT TO LOAN AND SECURITY AGREEMENT (this
“Amendment”) is made and dated as of February 10, 2026, between EQUITY BANCSHARES, INC., a Kansas corporation (the “Borrower”), and SERVISFIRST BANK, an Alabama banking corporation (the “Lender”).
R E C I T A L S
A G R E E M E N T
In consideration of the foregoing and the mutual covenants and agreements hereinafter set forth, the parties hereto hereby agree as follows:
“Commitment Maturity Date” means the earlier of February 10, 2027, or the date that either the Commitment is terminated or the maturity of any Note is accelerated pursuant to Section 7.02 of this Agreement.
(H) There shall be no material adverse change in the consolidated financial condition or business of Borrower since September 30, 2025, or the Subsidiary Bank since December 31, 2025.
(J) As of February 10, 2026, neither Borrower nor the Subsidiary Bank has any material Indebtedness of any nature, including, but without limitation, liabilities for taxes and any interest or penalties relating thereto, except to the extent reflected (in a footnote or otherwise) and reserved against in the September 30, 2025, financial statements of Borrower, or the December 31, 2025, Call Report of the Subsidiary Bank, or as disclosed in or permitted by this Agreement, as applicable; Borrower does not know and has no reasonable ground to know of any basis for the assertion against it or the Subsidiary Bank as of September 30, 2025, or December 31, 2025, as applicable, of any material Indebtedness of any nature not fully reflected and reserved against in the above referenced respective financial statements or Call Reports, as applicable;
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(R) The Subsidiary Bank’s retained earnings, as reported on Schedule RC of the Subsidiary Bank’s most recent quarterly Call Report, were
$81,690,000.00.
(2) Indebtedness described in the September 30, 2025, financial statements of Borrower, which includes, without limitation, Borrower’s obligations under or in connection with the trust preferred securities referenced in the September 30, 2025, financial statements of Borrower;
(B) If to Lender:
Murray Bibb, Senior Vice President ServisFirst Bank
2500 Woodcrest Place
Birmingham, Alabama 35209 With a copy to:
Charles R Moore III
Bradley Arant Boult Cummings LLP One Federal Place
1819 5th Avenue North Birmingham, Alabama 35203
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Fee that accrues in between the date of this Amendment and such new Commitment Maturity Date, all in accordance with Section 2.09 of the Loan Agreement.
Notwithstanding the satisfaction (or waiver) of each of the conditions set forth above and/or the execution of this Amendment by Borrower, this Amendment, in any event, shall not be or become effective and binding upon the parties until executed and accepted by Lender.
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(iii) there has been no interruption, cessation, or other lapse of the aforesaid security interests and liens of Lender in the Collateral.
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specifically set forth in this Amendment, Lender shall not be deemed to have waived (or to be estopped from asserting) any provisions of the Loan Agreement (as amended hereby) or any other document related thereto, including without limitation, any existing or future Default thereunder and, if Borrower now or at any time in the future shall be in breach of any of the provisions of the Loan Agreement or any other document related thereto or if any Default has occurred and is continuing, Lender shall be entitled to withhold further Loans under the Loan Agreement at any time and to exercise any of its other default rights and remedies thereunder or under any other document related thereto, from time to time, upon, if applicable, notice to Borrower, and that no failure or delay on the part of Lender in exercising any right or remedy under the Loan Agreement or under any other document related thereto, and no course of dealing with Borrower, on the one hand, and Lender, on the other hand, shall operate as a waiver thereof, nor shall any single or partial exercise of any right or remedy under the Loan Agreement or under any other document related thereto preclude any other or further exercise thereof or the exercise of any other right or remedy hereunder or thereunder.
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any party executing this Amendment by facsimile signature agrees to promptly provide an original executed copy of this Amendment to Lender.
[Signature Page Follows]
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IN WITNESS WHEREOF, the parties hereto have caused this Amendment to be executed as of the day and year first above written.
BORROWER:
EQUITY BANCSHARES, INC.
By: /s/ Chris M. Navratil
Name: Chris M.. Navratil
Title: Executive Vice President and Chief Financial Officer
LENDER:
SERVISFIRST BANK
By: /s/ Murray Bibb
Name: Murray Bibb
Title: Senior Vice President
Signature Page to Ninth Amendment to Loan and Security Agreement
EXHIBIT C TO
LOAN AND SECURITY AGREEMENT
STATES QUALIFIED, PRINCIPAL PLACES OF BUSINESS
Entity State(s) Qualified Principal Place of Business
Equity Bancshares, Inc Kansas 7701 E. Kellogg Ave. Wichita, Kansas 67207
Equity Bank Arkansas, Kansas, Missouri, Nebraska,
Oklahoma
7701 E. Kellogg Ave. Wichita, Kansas 67207
NAME CHANGES AND MERGERS WITHIN FIVE YEARS AND ONE MONTH
Borrower:
No name changes.
2021 merger with American State Bancshares, Inc. 2024 merger with Rockhold BanCorp.
2024 merger with KansasLand Bancshares, Inc. 2025 merger with NBC Corp. of Oklahoma 2026 merger with Frontier Holdings, LLC
Subsidiary Bank:
No name changes.
2021 merger with American State Bank & Trust Company 2024 merger with Bank of Kirksville
2024 merger with KansasLand Bank 2025 merger with NBC Oklahoma 2026 merger with Frontier Bank