This autumn: 2026-01-21 Earnings Abstract
EPS of $1.20 beats by $0.07
| Income of $72.88M (25.03% Y/Y) misses by $767.20K
Fairness Bancshares, Inc. (EQBK) This autumn 2025 Earnings Name January 22, 2026 10:00 AM EST
Firm Members
Brian Katzfey – VP and Director of Company Improvement & Investor Relations
Brad Elliott – Founder, Chairman & CEO
Chris Navratil – Govt VP & CFO
Richard Sems – CEO & Director
Convention Name Members
Ryan Payne – D.A. Davidson & Co., Analysis Division
Damon Del Monte – Keefe, Bruyette, & Woods, Inc., Analysis Division
Nathan Race – Piper Sandler & Co., Analysis Division
Anya Pelshaw
Brandon Rud – Stephens Inc., Analysis Division
Presentation
Operator
Whats up, and welcome to the Fairness Bancshares, Inc. 2025 This autumn Earnings Name. My title is Carla, and I shall be coordinating your name at this time.
[Operator Instructions]
I’d now like handy you over to your host, Brian Katzfey, Vice President, Director of Company Improvement and Investor Relations, to start. Please go forward if you’re prepared.
Brian Katzfey
VP and Director of Company Improvement & Investor Relations
Good morning. Thanks for becoming a member of us at this time for Fairness Bancshares’ Fourth Quarter Earnings Name. Earlier than we start, let me remind you that at this time’s name is being recorded and is offered through webcast at investor.equitybank.com, together with our earnings launch and presentation supplies. In the present day’s presentation comprises forward-looking statements, that are topic to sure dangers, uncertainties and different elements that might trigger precise outcomes to vary materially from these mentioned. Following the presentation, we are going to enable time for questions and additional dialogue. Thanks all for becoming a member of us.
With that, I might like to show the decision over to our Chairman and CEO, Brad Elliott.
Brad Elliott
Founder, Chairman & CEO
Good morning, everybody. Thanks for being right here at this time. Becoming a member of me are Rick Sems, our financial institution CEO; and Chris Navratil, our CFO. I am actually proud to wrap up what’s been a giant yr for Fairness Financial institution. We ended 2025 with a robust stability sheet and earnings that

