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): January 28, 2016

EQUITY BANCSHARES, INC. (Exact name of registrant as specified in its charter)

Kansas 001-37624 72-1532188 (State or other jurisdiction of (Commission (I.R.S. Employer incorporation or organization) File Number) Identification No.)

7701 East Kellogg Drive, Suite 200 Wichita, KS 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: Not Applicable

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))

Item 2.02 Results of Operations and Financial Condition. On January 28, 2016, Bancshares, Inc. (the “Company”) issued a press release announcing its financial results for the fourth quarter and year ended December 31, 2015. A copy of the press release is furnished as Exhibit 99.1 and is incorporated by reference herein.

The information in this Item 2.02, including Exhibit 99.1, is being furnished pursuant to Item 2.02 of Form 8-K and shall not be deemed “filed” for purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”), or otherwise subject to liabilities of that section, nor shall it be deemed incorporated by reference into any filing under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, unless specifically identified therein as being incorporated therein by reference.

Item 7.01 Regulation FD Disclosure. The Company intends to hold an call and webcast to discuss its financial results for the fourth quarter and year ended December 31, 2015 on Friday, January 29, 2016, at 9:30 a.m. Central Time. The Company’s presentation to analysts and contains additional information about the Company’s financial results for the fourth quarter and year ended December 31, 2015 and is furnished as Exhibit 99.2 and is incorporated by reference herein.

The information in this Item 7.01, including Exhibit 99.2, is being furnished pursuant to Item 7.01 of Form 8-K and shall not be deemed “filed” for purposes of Section 18 of the Exchange Act, or otherwise subject to liabilities of that section, nor shall it be deemed incorporated by reference into any filing under the Securities Act or the Exchange Act, unless specifically identified therein as being incorporated therein by reference.

Item 9.01 Financial Statements and Exhibits. (d) Exhibits

Exhibit No. Description 99.1 Press Release, dated January 28, 2016 99.2 Equity Bancshares, Inc. Investor Presentation

2 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, thereunto duly authorized.

Equity Bancshares, Inc.

Date: January 28, 2016 By: /s/ Gregory H. Kossover Gregory H. Kossover Executive Vice President and Chief Financial Officer

3 INDEX TO EXHIBITS

Exhibit No. Description 99.1 Press Release, dated January 28, 2016 99.2 Equity Bancshares, Inc. Investor Presentation

4 Exhibit 99.1

Equity Bancshares, Inc. Reports Record Earnings Of $10.1 Million For 2015

WICHITA, Kansas, January 28, 2016 (GLOBE NEWSWIRE) – Equity Bancshares, Inc. (NASDAQ:EQBK), (“Equity”), the Wichita-based holding company of Equity Bank, reported unaudited results for the year ended December 31, 2015, including record net income allocable to common stockholders of $10.1 million.

Brad Elliott, Chairman and CEO of Equity, said, “Our financial results and net income for 2015 indicate the diligent, hard work of our many company associates. We will continue to focus on delivering loan and deposit services and products tailored to the many needs of our community and metro customers, while managing our expenses. We also welcomed a new group of bankers, communities, and customers to our company in the fourth quarter, and we are focused on continuing to grow business and relationships in our new Southeast Kansas communities, along with all of the markets we serve.”

Highlights of Equity’s performance include:

• Net income allocable to common stockholders of $10.1 million for the year ended December 31, 2015, compared to $8.3 million for the previous

year ended December 31, 2014, a 22 percent increase.

• Earnings per diluted share of $1.54 for the year ended December 31, 2015, compared to $1.30 for the year ended December 31, 2014, an 18

percent increase.

• Total loans held for investment of $960 million at December 31, 2015, an increase of $234 million as compared to December 31, 2014.

• Total deposits of $1.2 billion at December 31, 2015, an increase of $235 million as compared to December 31, 2014.

• Total assets of $1.6 billion at December 31, 2015, an increase of $411 million as compared to December 31, 2014.

• Book value per common share of $18.37 and tangible book value per common share of $15.97 at December 31, 2015.

Equity completed its initial on November 16, 2015 with the issue of 1,941,000 shares of Class A common at a price to the public of $22.50 per share. The shares began trading on the NASDAQ Global Select Market on November 11, 2015 under the ticker symbol “EQBK.”

Equity also completed its acquisition of First Independence Corporation (“First Independence”), and its wholly-owned subsidiary, First Federal Savings & Loan of Independence, Kansas on October 9, 2015. First Independence had consolidated total assets of $134 million, net loans of $90 million, and total deposits of $87 million. Equity now operates the former First Independence offices in Coffeyville, Independence, Neodesha, and Pittsburg, Kansas, as Equity Bank branches.

Financial Results For Year and Quarter Ended December 31, 2015 Net income allocable to common stockholders was $10.1 million, or $1.54 per diluted share, for the year ended December 31, 2015, as compared to $8.3 million, or $1.30 per diluted share for the year ended December 31, 2014. Net interest income for the current year was $46.3 million as compared to $41.4 million for the prior year. The increase in net interest income was primarily driven by growth in loan and securities balances, partially offset by an increase in interest expense as Equity funded the increase in earning assets with increased deposits and borrowings. The net interest was 3.65% and 3.92% for the years ended December 31, 2015 and 2014. The net interest margin for 2015 includes the utilization of our “leverage” or “spread” opportunity, as more fully discussed in our IPO Prospectus. Our net interest margin excluding this opportunity was approximately 3.75% for the year ended December 31, 2015.

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The provision for loan losses was $3.0 million for the year ended December 31, 2015 as compared to $1.2 million for the year ended December 31, 2014. The provision for loan losses increased primarily due to loan growth and consideration for recent changes in the current business environment and economic factors.

Total non-interest income for the year ended December 31, 2015 was $9.8 million, compared to $8.7 million for the year ended December 31, 2014. Total non-interest expense for the year ended December 31, 2015 was $38.6 million, compared to $35.6 million for the year ended December 31, 2014. Non- interest income includes a net gain on the fourth-quarter-2015 acquisition of First Independence of $682 thousand, and merger expenses of $1.7 million also related to this acquisition are included in non-interest expense for the year of 2015.

Equity’s 2015 effective income tax rate was 30.1% on income before taxes, not including the net gain on acquisition, and reflects the benefit of increased income tax credits from investments in qualified affordable housing projects. Equity’s effective income tax rate for the year ended December 31, 2014 was 31.86%.

Net income allocable to common stockholders for the fourth quarter ended December 31, 2015 was $2.5 million, compared to $1.7 million for the comparable quarter ended December 31, 2014. Net interest income for the quarter ended December 31, 2015 was $12.3 million, compared to $10.3 million for the quarter ended December 31, 2014. Net interest margin was 3.26% and 3.85% for the fourth quarters of 2015 and 2014. The net interest margin for the fourth quarter of 2015 also includes the utilization of our “leverage” or “spread” opportunity as discussed above. Our net interest margin excluding this opportunity was approximately 3.50% for the quarter ended December 31, 2015.

Non-interest income for the quarter ended December 31, 2015 was $3.4 million, including the $682 thousand recorded gain on acquisition, compared to $2.2 million of non-interest income for the quarter ended December 31, 2014. Non-interest expense for the quarter ended December 31, 2015 was $11.7 million, including $1.6 million of merger expenses, compared to $9.8 million of non-interest expense for the quarter ended December 31, 2014.

Loans, Deposits, And Total Assets Loans held for investment were $960 million at December 31, 2015, compared to $726 million at December 31, 2014. Excluding the $90 million of net loans acquired in the First Independence transaction, Equity’s loan portfolio increased by $145 million in 2015.

As of December 31, 2015, Equity’s allowance for loan losses to total loans was approximately 0.57%, compared to 0.82% as of December 31, 2014. The total reserve, including purchase discounts, to total loans was approximately 0.81% as of December 31, 2015, compared to 1.12% as of December 31, 2014. Nonperforming assets as of December 31, 2015 were 0.88% to total assets, as compared to 1.33% as of December 31, 2014.

Total deposits were $1.2 billion at December 31, 2015, as compared to $981 million for the year ended December 31, 2014. Excluding the $87 million in deposits acquired in the First Independence transaction, Equity’s deposits grew by $147 million in 2015.

At December 31, 2015, Equity had consolidated total assets of approximately $1.6 billion, compared to $1.2 billion at December 31, 2014.

Capital As of December 31, 2015, the ratio of common equity tier 1 capital to risk-weighted assets was approximately 12.31% and the total capital to risk-weighted assets was approximately 14.52%. Equity had tangible common equity of $131.2 million and tangible book value per common share of $15.97 as of December 31, 2015. For the year ended December 31, 2015, the return on average equity was 8.19%.

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Non-GAAP Financial Measures This press release includes certain Non-GAAP financial measures intended to supplement, not substitute for, comparable GAAP measures. Reconciliations of non-GAAP financial measures to GAAP financial measures are provided at the end of this press release.

Conference Call and Webcast Equity Bancshares will host a conference call to review these results on Friday, January 29, 2016 at 9:30 a.m. central time. Investors, news media, and other participants may register for the webcast at www.investor.equitybank.com. Participants may dial into the call toll-free at (877) 637-1713 from anywhere in the U.S. or (503) 406-4038 internationally, using conference ID no. 19355297. Participants are encouraged to dial into the call approximately 10 minutes prior to the start time. A replay of the call and webcast will be available two hours following the close of the call until February 4, 2016, accessible at (855) 859-2056 or www.investor.equitybank.com.

About Equity Bancshares, Inc. Equity Bancshares, Inc. is the holding company for Equity Bank, offering a full range of financial solutions, including commercial loans, consumer banking, mortgage loans, and treasury management services. As of the period ended December 31, 2015, Equity had $1.6 billion in consolidated total assets, with 29 locations throughout Kansas and Missouri, including corporate headquarters in Wichita and branches throughout the Kansas City metropolitan area. Learn more at www.equitybank.com.

Founded in November 2002 in Andover, Kansas by current Chairman and CEO Brad Elliott, Equity expanded into Wichita in 2005, Kansas City in 2007, Western Kansas in 2008, Topeka in 2011, Western Missouri in 2012, and Southeastern Kansas in 2015. Equity’s principal objective is to increase stockholder value and generate consistent growth by expanding our commercial banking franchise organically and by acquisition, serving as a home for seasoned bankers, businesspersons, and customers with an entrepreneurial spirit. Equity seeks to provide an enhanced banking experience for customers by providing a suite of sophisticated banking products and services tailored to their needs, while delivering the high-quality, relationship-based customer service of a community bank. Equity’s is traded on the NASDAQ Global Select Market under the symbol “EQBK.”

Special Note Concerning Forward-Looking Statements Certain statements contained herein may be considered “forward-looking statements” as defined in the Private Securities Litigation Reform Act of 1995. These statements are based upon the belief of Equity Bancshares, Inc. (“the Company”) management, as well as assumptions made beyond information currently available to the Company’s management, and may be, but not necessarily are, identified by such words as “will,” “expect,” “plan,” “anticipate,” “target,” “forecast” and “goal.” Because such “forward-looking statements” are subject to risks and uncertainties, actual results may differ materially from those expressed or implied by such forward-looking statements. Factors that could cause actual results to differ materially from the Company’s expectations include competition from other financial institutions and bank holding companies; the effects of and changes in trade, monetary and fiscal policies and laws, including interest rate policies of the Federal Reserve Board; changes in the demand for loans; fluctuations in value of collateral and loan reserves; inflation, interest rate, market and monetary fluctuations; changes in consumer spending, borrowing and savings habits; and acquisitions and integration of acquired businesses, and similar variables. The foregoing list of factors is not exhaustive. Except as otherwise stated in this news announcement, the Company does not undertake any obligation to update publicly or revise any forward-looking statements because of new information, future events or otherwise.

For discussion of these and other risks that may cause actual results to differ from expectations, please refer to “Cautionary Note Regarding Forward-looking Statements” and “Risk Factors” in our most recent Form S-1 SEC Registration Statement, or other SEC filings. If one or more of the factors affecting our forward-looking information and statements proves incorrect, then our actual results, performance or achievements could differ materially from those expressed in, or implied by, forward-looking information and statements contained herein. Accordingly, you should not place undue reliance on any forward- looking statements, which speak only as of the date made. Equity Bancshares, Inc. assumes no obligation to update or revise any forward-looking statements that are made from time to time.

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Unaudited Financial Tables

• Table 1. Selected Financial Highlights

• Table 2. Consolidated Balance Sheets

• Table 3. Consolidated Statements of Income

• Table 4. Non-GAAP Financial Measures

TABLE 1. SELECTED FINANCIAL HIGHLIGHTS (Unaudited) (Dollars in thousands, except per share data)

Years Ended December 31, 2015 2014 2013 Statement of Income Data Net interest income $ 46,262 $ 41,361 $ 41,235 Provision for loan losses 3,047 1,200 2,583 Net gain on acquisition 682 — — Net gain on sale, and settlement of securities 756 986 500 Total non-interest income 9,802 8,674 7,892 Merger expenses 1,691 — — Total non-interest expense 38,575 35,645 35,137 Income before income taxes 14,442 13,190 11,407 Provision for income taxes 4,142 4,203 3,534 Net income 10,300 8,987 7,873 and discount accretion on (177) (708) (978) Net income allocable to common stockholders 10,123 8,279 6,895 Basic 1.55 1.31 0.93 Diluted earnings per share 1.54 1.30 0.92

Balance Sheet Data (at period end) Securities available-for-sale $ 130,810 $ 52,985 $ 65,450 Securities held-to-maturity 310,539 261,017 284,407 Gross loans held for investment 960,355 725,876 660,294 Allowance for loan losses 5,506 5,963 5,614 Goodwill and core deposit intangibles, net 19,679 19,237 19,600 Total assets 1,585,727 1,174,515 1,139,897 Total deposits 1,215,914 981,177 947,319 Non-time deposits 777,302 639,017 584,109 Borrowings 194,064 70,370 43,365 Total liabilities 1,418,494 1,056,786 1,000,024 Total stockholders’ equity 167,233 117,729 139,873 Tangible common equity 131,152 82,133 88,381

Performance ratios Return on average assets (ROAA) 0.75% 0.78% 0.67% Return on average equity (ROAE) 8.19% 7.30% 5.71% on loans 5.31% 5.63% 5.63% Cost of interest-bearing deposits 0.55% 0.49% 0.53% Cost of total deposits 0.48% 0.43% 0.46% Net interest margin 3.65% 3.92% 3.87% Efficiency ratio 66.94% 72.67% 72.26% Non-interest income / average assets 0.71% 0.75% 0.67% Non-interest expense / average assets 2.81% 3.08% 2.99%

Capital Ratios Tier 1 Leverage Ratio 9.43% 9.62% 11.59% Tier 1 Common Capital Ratio 12.31% N/A N/A Tier 1 Risk Based Capital Ratio 13.82% 13.16% 17.01% Total Risk Based Capital Ratio 14.52% 13.86% 17.74% Equity / Assets 10.55% 10.02% 12.27% Book value per share $ 18.37 $ 16.71 $ 14.62 Tangible book value per share $ 15.97 $ 13.54 $ 11.97 Tangible common equity to tangible assets 8.37% 7.11% 7.89%

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TABLE 2. CONSOLIDATED BALANCE SHEETS (Unaudited) (Dollars in thousands)

2015 2014 ASSETS Cash and due from banks $ 36,276 $ 31,193 Federal funds sold 20,553 514 Cash and cash equivalents 56,829 31,707 Interest-bearing time deposits in other banks 5,245 5,995 Available-for-sale securities 130,810 52,985 Held-to-maturity securities, fair value of $312,802 and $265,189 310,539 261,017 Loans held for sale 3,504 897 Loans, net of allowance for loan losses of $5,506 and $5,963 954,849 719,913 Other real estate owned, net 5,811 4,754 Premises and equipment, net 39,147 33,946 Bank owned life insurance 32,555 28,729 Federal Reserve Bank and Federal Home Loan Bank stock 11,013 4,312 Interest receivable 4,540 3,592 Goodwill 18,130 18,130 Core deposit intangible, net 1,549 1,107 Other 11,206 7,431 Total assets $1,585,727 $1,174,515 LIABILITIES AND STOCKHOLDERS’ EQUITY Deposits Demand $ 157,834 $ 128,919 Savings, NOW, and money market 619,468 510,098 Time 438,612 342,160 Total deposits 1,215,914 981,177 Federal funds purchased and retail repurchase agreements 20,762 25,301 Federal Home Loan Bank advances 145,439 20,976 Bank stock loan 18,612 15,152 Subordinated debentures 9,251 8,941 Contractual obligations 3,093 3,146 Interest payable and other liabilities 5,423 2,093 Total liabilities 1,418,494 1,056,786 Stockholders’ equity Preferred stock, Series C (liquidation preference of $16,372) 16,372 16,359 Common stock 97 76 Additional paid-in capital 138,077 98,398 Retained earnings 34,955 24,832 Accumulated other comprehensive loss (2,371) (2,281) Employee stock loans (242) — (19,655) (19,655) Total stockholders’ equity 167,233 117,729 Total liabilities and stockholders’ equity $1,585,727 $1,174,515

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TABLE 3. CONSOLIDATED STATEMENTS OF INCOME (Unaudited) (Dollars in thousands, except per share data)

Three Months Ended Year Ended December 31, December 31, 2015 2014 2015 2014 Interest and income Loans, including fees $11,474 $ 9,917 $43,361 $38,406 Securities, taxable 2,193 1,588 7,634 7,204 Securities, nontaxable 311 210 1,057 839 Federal funds sold and other 427 101 976 345 Total interest and dividend income 14,405 11,816 53,028 46,794 Interest expense Deposits 1,517 1,051 4,926 4,084 Federal funds purchased and retail repurchase agreements 14 20 61 75 Federal Home Loan Bank advances 228 80 495 345 Bank stock loan 195 158 641 295 Subordinated debentures 163 159 643 634 Total interest expense 2,117 1,468 6,766 5,433 Net interest income 12,288 10,348 46,262 41,361 Provision for loan losses 1,180 — 3,047 1,200 Net interest income after provision for loan losses 11,108 10,348 43,215 40,161 Non-interest income Service charges and fees 910 707 2,708 2,737 Debit card income 624 351 2,161 1,462 Mortgage banking 233 255 1,088 894 Increase in value of bank owned life insurance 257 244 957 960 Net gain on acquisition 682 — 682 — Net gains on sales and settlement of securities 386 261 756 986 Other 258 382 1,450 1,635 Total non-interest income 3,350 2,200 9,802 8,674 Non-interest expense Salaries and employee benefits 4,959 5,637 19,202 19,621 Net occupancy and equipment 1,077 1,158 4,155 4,536 Data processing 812 722 2,939 2,530 Professional fees 676 576 2,086 2,279 Advertising and business development 336 287 1,199 1,057 Telecommunications 229 179 811 755 FDIC insurance 272 184 840 727 Courier and postage 169 138 544 562 Amortization of core deposit intangible 93 116 275 363 Loan expense 116 79 388 327 Other real estate owned 113 (18) 287 21 Loss on debt extinguishment — — 316 — Merger Expenses 1,614 — 1,691 — Other 1,198 697 3,842 2,867 Total non-interest expense 11,664 9,755 38,575 35,645 Income before income tax 2,794 2,793 14,442 13,190 Provision for income taxes 240 1,014 4,142 4,203 Net income 2,554 1,779 10,300 8,987 Dividends and discount accretion on preferred stock (48) (42) (177) (708) Net income allocable to common stockholders $ 2,506 $ 1,737 $10,123 $ 8,279 Basic earnings per share $ 0.35 $ 0.28 $ 1.55 $ 1.31 Diluted earnings per share $ 0.34 $ 0.28 $ 1.54 $ 1.30

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TABLE 4. Non-GAAP Financial Measures (Unaudited) (Dollars in thousands, except per share data)

Years Ended December 31, 2015 2014 2013 Total stockholders’ equity $ 167,232 $ 117,729 $ 139,873 Less: preferred stock 16,372 16,359 31,892 Less: goodwill 18,130 18,130 18,130 Less: core deposit intangibles, net 1,549 1,107 1,470 Less: mortgage servicing asset 29 — — Tangible common equity $ 131,152 $ 82,133 $ 88,381 Common at period end 8,211,727 6,067,511 7,385,603 Book value per common share $ 18.37 $ 16.71 $ 14.62 Tangible book value per common share $ 15.97 $ 13.54 $ 11.97 Total assets $1,585,727 $1,174,515 $1,139,897 Less: goodwill 18,130 18,130 18,130 Less: core deposit intangibles, net 1,549 1,107 1,470 Less: mortgage servicing asset 29 — — Tangible assets $1,566,019 $1,155,278 $1,120,297 Tangible common equity to tangible assets 8.37% 7.11% 7.89% Non-interest expense $ 38,575 $ 35,645 $ 35,137 Less: merger expenses 1,691 — — Less: loss on debt extinguishment 316 — — Non-interest expense, excluding merger expenses and loss on debt extinguishment $ 36,568 $ 35,645 $ 35,137 Net interest income $ 46,262 $ 41,361 $ 41,235 Non-interest income $ 9,802 $ 8,674 $ 7,892 Less: net gains on sales and settlement of securities 756 986 500 Less: net gain on acquisition 682 — — Non-interest income, excluding net gains on sales and settlement of securities and net gain on acquisition $ 8,364 $ 7,688 $ 7,392 Efficiency ratio 66.94% 72.67% 72.26%

Media and Investor Contact: John Hanley, Director of Investor Relations 913-583-8004 / [email protected] investor.equitybank.com

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T h es fo rw ard -lo o k in g staem en ts are $ 2 .7 m ilo n n et in co m e alo cab le to co m m o n sto ck h o ld ers 1 5 % g ro w th o v er Q 3 , 2 0 1 4 1 R eco rd 2 0 1 5 n et in co m e alo cab le to co m m o n sto ck h o ld ers o f $ 1 0 .1 m ilo n 2 0 1 5 N et In ters Marg in o f 3 .6 5 % Y ear o v er y ear n in g s g ro w th o f 2 2 % $ 9 0 m ilo n in lo an s $ 8 7 m ilo n in d ep o sit, $ 6 0 m ilo n in “S ig n atu re” d ep o sit 4 b ran ch es in o u r fo o tp rin t 1 ,9 4 1 ,0 0 0 sh ares t$ 2 2 .5 0 p er sh are R ep aid S B L F an d B an k S to ck lo an (1 /4 /2 0 1 6 ) C ap ital fo r fu tu re g ro w th T o tal seD ecm b er 3 1 , 2 0 1 5 o f $ 1 .6 b ilo n T o tal o an s o f $ 9 6 0 m ilo n , y ear o v er y ear g ro w th o f 2 0 % (n o t in clu d in g F F S L ) T o tal d ep o sit o f $ 1 .2 b ilo n , y ear o v er y ear g ro w th o f 1 5 % (n o t in clu d in g F F S L ) T an g ib le C o m m o n E q u ity to T an g ib le A set o f 8 .3 7 % 2 0 1 5 Q 4 H ig h lig h ts R eco rd Q 3 E arn in g s Q 4 E arn in g s o f $ 2 .5 m ilo n F F S L IP O 1 2 /3 1 /1 5 B aln ce S h et T an g ib le C o m m o n B o o k V alu e 2 T an g ib le C o m m o n B o o k V alu e p er S h are n d A set G ro w th 2 0 1 1 : T A R P rep ay m en t an d ad d ito n al cp ital rsed fro m S B L F p ro g ram . C o m p letio n o f 4 b ran ch p u rch ase fro m C itzen s B an k an d T ru st. 2 0 1 2 : C o m p letio n o f F C B acq u isto n . $ 2 0 .4 MM cap ital rsed to fu n d F C B . 2 0 1 4 : R ep u rch ase 1 .3 MM sh ares. R ep ay m en t o f $ 1 5 .5 4 MM o f F C B T A R P w ith aB an k sto ck lo an . 2 0 1 5 : A cq u isto n o f F F S L . IP O . T C B V C A G R sin ce 2 0 1 1 : 9 .5 % E P S & R O A T C E D ilu ted E P S an d N et In co m e to C o m m o n R etu rn o n A v erag e T an g ib le C o m m o n E q u ity 5 1 % an n u al E P S g ro w th ratefo m 2 0 1 1 to 2 0 1 5 3 R ev en u e & E ficen cy R atio E ficen cy R atio & N IE /A v erag e A set In co m e an d Marg in 4 9 1 % 8 4 % 8 5 % 8 4 % 8 4 % 9 % 1 6 % 1 5 % 1 6 % 1 6 % $ 1 9 ,7 1 7 $ 3 0 ,3 9 3 $ 4 8 ,6 2 7 $ 4 9 ,0 4 9 $ 5 5 ,3 0 8 A set Q u ality 5 N o n p erfo rm in g A set 1 .3 4 % 1 .7 6 % 1 .8 0 % 1 .3 3 % N P A s /A set 0 .8 9 % N C O s /A v erag e L o an s $ 0 .5 0 $ 1 .5 4 $ 1 .4 4 $ 0 .8 5 $ 3 .5 0 N C O in $ ($ in m ilo n s) C o m m ercial L o an s O u tsan d in g b y C o n cen traio n s C lasifed A set o T o tal R eg u lato ry C ap ital C R E = 5 8 % C & I = 3 9 % ($ in m ilo n s) C lasifed A set /E q u ity B an k T o tal R eg u lato ry C ap ital C ap ital P o sito n O v er T im e $ 1 7 .2 m m S h are R ep u rch ase (1 3 .0 % o f 2 0 1 3 T ier 1 C o m m o n ) 6 IP O L,25 o5.43 an091 P,290 o190 rtfo690 lio 09 C.590 o790 m790 p590 o690 sito09 n890 &390 G390 ro871 w7E th5-32 L8D o4ep an5o C7sitP o8 m Crtfo poli on Msitoux nm 2 7er20 D,710 ep31 o3 21 sit P102 o10 rtfo,321 lio6 2 M102 ix 710 D,931 ep6 23 o10 2 sit C710 o,841 m7 24 p50 2 o 10 sito751 n,1 S5 20igC 03no 1 0atum 1.5re Dm 28eprcial0 01o.8 16sit 04 24.57 215 0967 145 3657 258 0243 1732 410 283 058 135 5126 '1A85 1g -'1ricu4 0 5ltu.7 Cral 702 A,3.50 G39 R278 ($128 in92 0,893 013 045 s) T285 im371 e D,975 ep695 o913 sit $139 ,2904 2,1 0 769. ,07 6 2 1.6 2517 $,863 ,405 079 0 12 ,0.264 016 315 $759 ,38 6215 3482 ,28 1059 032 $27. ,35 07 43.67 2753 ,137 652 0175 $T57 ,4o96 3tal 167 8-471 ,6 F5 1am35 2ily68 0&92 .1 O42 7th5 8er 590 904.7 7,4 0 16.5 0431 5 ,298 026 017 3,90 5083 4130 3 ,105 52 3726 4,31 S250 ig548 n ,159 atu62 1 re D17-4 ep,5 TF o9ima sit ,27eDly 5 ,2ep& 28o O ,3sit 0h 8,1.4er 0 827.1 ,563 9 052 3.54 ,1342 2954 5062 ,531 816 4697 ,1249 0876 961 ,6284 374 974 ,0 9 12.4 0 790.2 ,712 7 T9 7o6 ,3tal L01 0o81 2an40 0s$16 .3,26 239 410 7,08 3764 8694 8 $6 4,710 32 01 52.3 0 7,08.2 37 384 9 $02 5,68 1635 103 T,247 o945 tal D468 ep $86 o,710 sit $21 ,45 7,8 9731 ,46 0 1 $.30 0,94.2 $682 ,9072 9,326 3542 ,1503 2 034 8.32 $043 ,9562 4038 740 ,3654 162 91 07 $8.37 ,9163 870 137.2 ,1729 7064 718 $961 139 ,2 Y78 1ield79 5 o86 ,9n4 1 L54 4o 0an73 .2s 635 6.4 L9 10o 90an1 60 C 90o 70m 40p 30o 40sito 90n 40 L 40o 90an 70 C 20o C1m oEp st o-2 f D6sito ep.0n o2 sit 190 .391 891 9 2 90 91 92 9 2 90 91 93 9 2 90 91 9E4 9-2 9 50 E.61 -235 80'1 .301 0-'1 05 0C 0A 0G 0R 0 ($ 0 in 0 0 0 03s) C 0Eo 0-2m 1 5m E.6ercial R -3eal E 50stae$ .30,1 E08 -305 40,8 .803 907 90 $ 90,3 906 906 90,2 905 931 9E $ 9-2,3 9 54 9.31 91,5 901 802 E0 $ -30, 506 .40 90, 90 906 90 $ 90,3 90 907 91,0 9E1 9-27 9 L0 9o.2 9an0 9 C8 7o9 Em8 -3p0 Do3 epsito1 on4 sit P23 o01 rtfo1 lio10 M25 ix08 216 028 1 2C 10o 21m 03m 1 2ercial9 20 21, 041 1 27 30 ,1 21 056 1 C,7 4o7 2m1 0m ,1 1ercial 03 5.89 S4,3 ig76 n5 atu7 ,1 re D58 ep73 o8,1 sit 03 .520 20 , 63 482 5,0 563 452 31 0 4 0.2 8.79 028 506 238 84 184 493 538 03 .508 95 713 251 253 93 197 54 A 8 0g 7.ricu 76ltu 91ral R 17eal E 3stae 2 04,6 195 928 042 .617 13, 695 58 95 2 12 68,0 69 5 02 5.7 1 37 17,0 83 873 56 1 258 7,1 068 .670 51 0 15.6 251 78 521 928 65 7 0 5.7 308 65 91 48 762 916 40 032 .603 35 T 95o 26tal C 74o 30m 8m 39ercial ,2 0 18 2-40 2 F,6 1am 5ily2 4 &,5 5 O2 2th0 7er 0,1 T.17 im57 e D2,5 ep40 o2 sit 04,9 .426 719 36 ,5 576 49 46,2 517 649 53 ,6 147 97 4 0,2 7.2 179 89 0 46.2 914 016 .403 069 269 796 74 084 846 47 160 205 213 0 8 8.2 63 R 98esid 82en 16tial R 05ealE .30stae 4 870 35, 489 069 80 ,1 317 340 47, 412 64 8 0,1 1.2 125 42,3 769 325 03,1 .34 42 83,4 725 285 4 ,2 045 310 27, 471 63 3 0 0.25 597 247 085 .316 630 08 793 263 698 147 645 938 754 795 817 418 5 DC 4epo 7on 3sit Pu Lom ortfe 2 anlio,7 CM3 oix3 m D1 pe1 o,3 sito C6 no1 Lm7 op,9 ano6 Csito1 on 7 m 2,8 p07 o15 sito1 n 27 20,1 01 123 1 20 20.5 018 13 2 6 204 01 149 3 21 206 012 152 4 '17 21 0-'18 15 5C3 '1A 1G A -'1Rg 5 ($ricu C inltu A 0ral7 G0,3 R03 ($s)T2 inm1 0eD9 0ep,8 0o1 s) Cit$4 o,2 m23 m7,9 ercial R,06 eal E29 stae $21 ,1 $9 8,42 506 ,807 3,0 1 705 $3,8 ,3 $0 6,37 6 0 ,23. 5,21 1 $07 ,3 $ 4,32 14 ,528 1,0 263 $02 ,3 $5 6,43 437 ,083 9,65 61 $2T ,3 0o 9.1tal 7-4 ,08 F 19am 7ily 01& .20 O 05th 80er 5 90 83,4 056 34 13 ,2 450 31 14,9 1 S0 0ig1 5n ,1 8atu5 6re D7 8ep,3 Co2 osit ,25 m5 ,1 m26 ercial 9,31 28,5 ,189 1 ,57 79 ,2 ,138 2,13 62,1 ,752 7 ,56 18 0 ,14.5 3,1 90 ,390 6 ,3 538 ,196 8,02 318 ,176 0 ,72 07 ,27 6,30 20 ,029 3 01 2.3 T 02o .24tal L 97o 83an 68s $ 8,3 43 431 35,0 87 036 83 $ 59,7 352 12 31,0 9 T7 7o8 AtalD$ gep,6 ricuo6 ltusi $0 ral R,42 eal E79 stae 294 ,64 $ 51,7 802 2$5 7,98 ,197 536 5,1 $ 2,9 286 ,0 $ 9,3 245 175 7,3 0 ,01.3 890 3 $5 1,90 84 ,16 8,16 071 078 .6 $1 17 7,23 17 850 5,97 019 743 8 0Y 6.2ield 96 o 81n 29 L 6o 09an 27s 6 34. T30 o40 tal C90 o40 m40 m90 ercial ,270 820 0 C ,6o0 1st o0 2f D0 ,5ep0 2o0 0sit 1 ,1.3E 78-2 79 6 ,59.0 092 29 ,9 69 9 ,59 69 49 ,29 79 9 ,69 7E9 7-29 ,2 89 2.3E 90-2 05 .206 403 60 30 90 90 60 70 40 60 70 0 510 3E0 8-30 8 53 R.3E esidE-2 en-3 5 tial R4.6 eal E.83 stae 490 09 ,390 90 90 ,190 790 09 ,790 290 690 ,190 290 593 ,38E 9E-2 5-3 ,1 3 4 ,4 5 5 C05 o.543 re D791 ep790 o590 sit F690 ran09 ch890 ise D390 ep390 o890 sit P790 o590 rtfo890 lio490 M590 ix71 8E DC-32 epo DL onep sit Puoan omsit PC rtfoe 2 lio,7rtfm M3liop ix3 Mo D1ixsto ep1 2n o,30 2 sit C610 o1 m 721 p,90 2 o610 sito12 n 72 2,80 071 153 1 23 270 0,1 104 23 4 20 0.51 185 31 S5 26igC 04no 1atum 49re Dm 21eprcial0 06o.8 12sit 04 52.7 '1725 167 -'1845 57 C358 A143 G A32 Rg40 ($ricu83 inltu08 0ral75 0,326 0385 s) T21 im 140 e D95.7 ep,8 02 o1.50 sit $493 ,2 78 238 7,92 ,0693 2913 2 150 $985 ,4271 0675 0795 ,0 13 0539 3,804 $01 ,379. 6 0 3.261 ,217 163 0754 $39 ,321 46 2861 ,1053 6359 0238 $51 ,4382 378 8359 ,652 0 17. 2 T07 0o.67 .1tal 53 7-41 8 F26 9am75 7ily5 1 &96 0 O67 5th71 0er 5 035 3,468 5692 42 3 ,275 509 314.7 4,9 0 S0.65 ig13 n ,198 atu526 re D71 ep,30 o283 sit ,2530 5 ,10 265 ,3126 8,514 8950 ,5748 9 ,25 382 1 ,137-4 2,1 TF 52ima ,56eDily 8 0ep& 4.5o O ,13sit 0h 09.4er 907.1 ,635 3852 964 ,024 1854 762 ,7251 716 79 ,3049 0276 291 0184 .3 T4 2o94 4tal L09 7o.4 0 3an0.2 8s $27 8,379 4376 310 5,081 740 361 3 $26 9,72 5204 128 1,064 T794 o86 tal D$10 ep,6 01 o6.3 0 sit $08.2 ,423 7948 9402 ,4 $86 1,735 023 $547 ,9845 9768 368 ,1 $0 2,91 864 $07 ,931 45 0 75.3 0 ,3 04.2 1.382 9072 $526 ,9042 8403 1634 ,162 7143 7862 $138 1704 ,2354 172 50 7 ,97.3 1963 430 0Y7.2 .2ield9 6 o4 1n8 9 L61 6o93 9an78 7s 69 4.86 3049 405 904 4073 4035 90 L 70o1 20an1 C0 o0 st o0m f D0p ep0o o0sit sit 1n .3E L 8-2o 9 6an 9.0 C 92o 9m 9p 9o 9sito 9n 9 2 90 91 91 9 2 90 E91 -29 892 .3E0 0-21 0 53 0.6 2 03 01 04 0 2 0 01 05 0 '1 01 0-'1 05 10C E0A -30G 53R .3E ($ E-2 in -3 50 4.60 .830 90s) C 90o 90m 90m 90ercial R 90eal E 90stae $ 90,1 908 905 90,8 903 907 93 $ 8E,3 E-26 -3 56 5.3,2 .415 901 90 $ 90,3 904 901 90,5 901 902 90 $ 90,3 906 904 90, 91 7E6 E-2 $ -3 L, Do9 epan7 o C,0 sit Po1 om7 rtfop 0 lio.2 Msito0 ixn8 29 08 10 13 21 04 13 21 21 0 15 38 26 08 1 C 4o 2m 0m 1ercial 9 52 SC,1 igo1 nm7 atum ,1 re Dcial02 ep.86 o4,7 sit 07 .51 27 ,1 653 479 58,3 536 425 30 ,1 438 83 05,1 560 250 81 ,2 1 06 4.72 52,0 03 .532 98 0 78.2 29 238 936 108 54 814 753 758 930 198 345 0 3 1.7 963 019 .67 13 A 64g 59ricu 92ltu 14ral R 61eal E 63stae 2 59,6 58 358 12 87 89,1 5 0 2.75 7 2 072 .63,0 579 162 25 1 7 56,0 978 613 75 1 58 38,1 628 920 45 0 7 0.6 9.71 407 051 .618 385 960 217 708 36 809 358 052 26 240 102 583 49 T 5 1o 2-4tal C 7 Fo Tam imly e D&rcial,2 ep O8 oth0 sit 0er,6 .41 752 32 ,5 542 420 4,1 527 617 56 , 170 92 46,9 716 149 83 ,5 46 94 0,2 .427 079 29 ,6 76 71 01,2 802 469 16 0 29. 24 086 843 649 96 806 17 04 .326 837 380 425 063 85 308 37 R 45esid 48en 6tial R 80eal E 1stae 4 140 47,3 719 349 0,1 .327 420 82,7 762 26 43 ,1 042 325 23, 429 685 34 ,1 043 514 27,4 075 .35 6 0,2 0.25 790 24, 681 16 63 0 98.5 79 76 895 46 540 438 753 39 L18 o17 an D5 Cep8 o4 msit P5 po7 ortf8 sitol C n Mo Lixn o Dsu anepm Coer2 osit C,7 mo3 pm3 op 1 sito1 nsito,3 2n6 0 21 10 7 1,9 216 0 21 10 7 21,8 27 0 25 10 317 23,1 0 2 103 41 0 24.5 0 28 10 516 '154 1 ' -'19 5-'1 C56 AC2 GA2 RG7 ($R1 in($8 0in5 0 3 01 s) C0A os) Tg mircu me Dltu ercial Rp7 eal Eo,3 stae $i3 ,12 82 1 579 ,80 321 724 $2 ,34 60,9 60 ,209 50 1 139 $,2 ,36 467 13 ,52 1,8 20 $7 ,3 0 64.2 421 ,01 967 603 $2 ,34 938 780 ,063 12 725 03 .217 073 85 91 87 T 01o 30tal 1 15-4 40 F 30am 13ily 15 & 04 O 53th 85er 630 84, CS6 oig4 mn ,2 matu0 ercial 9D1 2ep,9 ,1o0 1sit ,2 75 ,1 ,125 2,37 68,3 ,782 7 ,5 19 , ,136 3,1 92,5 ,359 6 ,57 58 ,2 ,148 8,13 30,1 ,192 0 ,6 03 ,29.5 6,03 219 ,07 3 ,7 278 076 .2,3 908 826 6 02 8.37 427 40 372 839 081 8 T 54o 3tal L 15o 37an 93s $ 73, A93 g51 ricu1,0 ltu17 ral RT6 eal Eo$ stae 2lD,7 ,6ep2 5o2 8sit $,0 2,47 78 ,19 $ 5,46 516 20 2 $, ,09 94 23 $ 1,7 72 ,085 8 $, 3,97 146 87 $ ,139 816 09 0$,3 .6,95 185 71 0 1,.3 870 57 0 $ 714 8,26 61 951 8,9 21 647 0 3 2.7 360 T17 o9 tal C63 o9 Y m7ield m4 o ercial ,23n 84 L 09o ,64an 14s 6 29.4 ,570 20 0 C ,1o0 7st o0 7f D0 ,5ep0 0o 2sit 10 ,9.30 680 90 ,590 690 491 ,29E 79-2 9 6 ,69.0 792 79 ,29 29 9 09 .2E9 4-29 6 89 3.9 90 90 609 709 409 60E 70-2 0 5 50.6 30 80 80 R0 esid0 en10 tial RE0 eal E-30 stae 450 0.3 ,3E0 9-30 9 40 ,1.80 793 09E ,79-2 29 5 69. ,193 290 590 ,390 90 590 ,190 390 490 ,480 5E0 5-30 ,20 50 03 ,2E 1-2 6 F o o tp rin t & T arg ets 9 A p p en d ix 1 0 T h e su b seq u en t ab les p resn t n o n -G A A P reco n cilato n s o f th e fo lo w in g calu latio n s: T an g ib le C o m m o n E q u ity (T C E ) to T an g ib le A set (T A ) ratio T an g ib le B o o k V alu e p er C o m m o n S h are R etu rn o n av erag e tan g ib le co m m o n eq u ity (R O A T C E ) E ficen cy R atio 1 1 Tw0$ Cer 3.714 A52,1 to%62,3 Tfo706 Ar 2,1 an029$ d1274 T5$1 an 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