Equity Bancshares (NYSE: EQBK) extends ServisFirst Bank credit facility to 2027

Rhea-AI Filing Summary

Equity Bancshares, Inc. entered into a Ninth Amendment to its Loan and Security Agreement with ServisFirst Bank. The amendment, dated February 13, 2026, extends the maturity date of the lender’s commitment to extend credit under the agreement to February 10, 2027.

This step is described as a material definitive agreement and also constitutes the creation of a direct financial obligation for the company. Detailed terms of the amendment are contained in Exhibit 10.1, which is incorporated by reference.

8-K Event Classification

3 items: 1.01, 2.03, 9.01

3 items

Item 1.01 Entry into a Material Definitive Agreement Business

The company signed a significant contract such as a merger agreement, credit facility, or major partnership.

Item 2.03 Creation of a Direct Financial Obligation or an Obligation under an Off-Balance Sheet Arrangement Financial

The company incurred a new significant debt or off-balance-sheet obligation.

Item 9.01 Financial Statements and Exhibits Exhibits

Financial statements, pro forma financial information, and exhibit attachments filed with this report.

Understanding 8-K Material Events →

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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

Date of Report (Date of earliest event reported): February 13, 2026

EQUITY BANCSHARES, INC.

(Exact name of Registrant as Specified in Its Charter)

Kansas			001-37624	72-1532188
(State or Other Jurisdiction of Incorporation)			(Commission File Number)	(IRS Employer Identification No.)
7701 East Kellogg Drive Suite 300
Wichita, Kansas				67207
(Address of Principal Executive Offices)				(Zip Code)

Registrant’s Telephone Number, Including Area Code: 316 612-6000

(Former Name or Former Address, if Changed Since Last Report)

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:

☐Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)

☐Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)

☐Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))

☐Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:

Title of each class		Trading Symbol(s)		Name of each exchange on which registered
Class A, Common Stock, par value $0.01 per share		EQBK		New York Stock Exchange

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	Ninth Amendment to Loan and Security Agreement dated February 10, 2026, by and between Equity Bancshares, Inc. and ServisFirst Bank.
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.

			Equity Bancshares, Inc.
Date:	February 17, 2026	By:	/s/ Chris M. Navratil
			Chris M. Navratil Executive Vice President and Chief Financial Officer

FAQ

What did Equity Bancshares (EQBK) change in its loan agreement?

Equity Bancshares entered into a Ninth Amendment to its Loan and Security Agreement with ServisFirst Bank, extending the lender’s commitment to extend credit. The amendment updates the maturity date while keeping other detailed terms in the attached exhibit.

When does Equity Bancshares’ amended credit commitment now mature?

The amended commitment to extend credit under Equity Bancshares’ Loan and Security Agreement now matures on February 10, 2027. This new maturity date was set through the Ninth Amendment executed in February 2026 with ServisFirst Bank.

Why is the Equity Bancshares (EQBK) loan amendment considered material?

The Ninth Amendment is classified as a material definitive agreement because it governs a significant credit commitment for Equity Bancshares. It also results in a direct financial obligation for the company, making it important enough to require disclosure in a current report.

Which bank is party to Equity Bancshares’ Ninth Amendment?

ServisFirst Bank is the lender party to Equity Bancshares’ Ninth Amendment to the Loan and Security Agreement. The amendment extends the bank’s commitment to provide credit to the company through the new maturity date in February 2027.

Where can investors find the full terms of EQBK’s Ninth Amendment?

The complete terms of Equity Bancshares’ Ninth Amendment are included as Exhibit 10.1 to the report. That exhibit, dated February 10, 2026, is incorporated by reference and provides the detailed legal and financial provisions of the amended agreement.

How is the new loan amendment reported by Equity Bancshares?

Equity Bancshares reported the Ninth Amendment under Item 1.01 for a material definitive agreement and Item 2.03 for a direct financial obligation. This dual classification highlights both the contractual significance and the financial obligation created by the updated credit commitment.

Filing Exhibits & Attachments

2 documents

Agreements & Contracts

• EX-10.1 EX-10.1 130.3 KB

Other Documents

• EX-101 XBRL TAXONOMY EXTENSION SCHEMA WITH EMBEDDED LINKBASES DOCUMENT 24.3 KB