Emprise Bank
Emprise Bank reported total assets of $2.8 bn at Q2 2026, up 8.8% on a year earlier, the 450th largest of 497 banks in our US coverage. The CET1 capital ratio at Emprise Bank was 10.22%, and the uninsured share of Emprise Bank was 28.19%. Source: FDIC Call Reports.
Key takeaways
- Emprise Bank reports one of the lowest common equity tier 1 (CET1) ratio readings among banks of $1 bn to $10 bn: 10.22% at , where the median of the 287 banks is 13.22% (FDIC Call Reports).
- The tier 1 leverage ratio of Emprise Bank, 7.69% at , places Emprise Bank in the bottom tenth of banks of $1 bn to $10 bn (group median 10.45%; FDIC Call Reports).
- On efficiency ratio, Emprise Bank climbed from 420th to 347th among 500 US banks between and (1 = lowest; FDIC Call Reports).
What sets Emprise Bank apart
- Few banks of $1 bn to $10 bn report a higher return on equity (ROE) than Emprise Bank, at 21.01% in against a group median of 12.68%.
How large is Emprise Bank?
The balance sheet of Emprise Bank at : assets $2.8 bn, deposits $2.5 bn, net loans $2.0 bn (loans equal to 79.96% of deposits). Securities make up 19.9% of total assets at Emprise Bank. Since , when Emprise Bank held $1.5 bn, its assets grew 82.1%. In the year to , deposits at Emprise Bank rose 5.5% while its total assets rose 8.8%. At , Emprise Bank employed 464 full-time equivalent staff across 32 offices, about $6.1 mn of assets per employee and $78.5 mn of deposits per office.
How much funding at Emprise Bank is uninsured?
At Emprise Bank, uninsured deposits (above the FDIC limit) made up 28.19% of domestic deposits at (+1.07 pp on a year earlier); Emprise Bank ranks 338th of 500 on this measure. In dollars, Emprise Bank estimated $708.3 mn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $2.5 bn | +5.5% | 419th of 499 |
| Net loans and leases | $2.0 bn | +8.1% | 442nd of 500 |
| Loan-to-deposit ratio | 79.96% | +1.89 pp | 342nd of 500 |
| Tier 1 leverage ratio | 7.69% | -0.29 pp | 481st of 500 |
| Total risk-based capital ratio | 11.43% | -0.16 pp | 438th of 448 |
| Net interest margin | 4.03% | +0.35 pp | 132nd of 500 |
| Return on assets (ROA) | 1.58% | +0.36 pp | 133rd of 500 |
| Efficiency ratio | 61.06% | -7.11 pp | 347th of 500 (1 = lowest) |
| Unrealized gain/loss on available-for-sale securities | Loss of $27.4 mn | Narrowed by $6.4 mn | |
| Noncurrent loans to total loans | 0.37% | +0.07 pp | 136th of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.08% | +0.01 pp | 236th of 500 (1 = lowest) |
US rank of Emprise Bank: 1 = highest unless marked 1 = lowest.
Balance sheet
Emprise Bank: assets, deposits and loans
- Total assets $2.8bn
- Deposits $2.5bn
- Net loans $2.0bn
Capital and securities
The CET1 ratio of Emprise Bank stood at 10.22% in , -0.34 pp year on year. Low and high at Emprise Bank since : 10.11% () to 12.15% (). Equity capital of Emprise Bank at : $211.8 mn, or 7.5% of total assets. Emprise Bank also reported a total capital ratio of 11.43% for , and a tier 1 leverage ratio of 7.69%.
The available-for-sale portfolio of Emprise Bank showed an unrealized loss of $27.4 mn at ; the loss narrowed by $6.4 mn over the year.
Emprise Bank: capital ratios
- Total capital 11%
- CET1 10%
- Tier 1 leverage 7.7%
Emprise Bank: unrealized securities gains and losses
- Available for sale -$27mn
- Held to maturity $0
Profitability and loan quality
For the year to , Emprise Bank earned a return on equity of 21.01%; return on assets: 1.58%. Net interest margin at Emprise Bank: 4.03%, +0.35 pp in a year. Emprise Bank net income: $21.9 mn, up 40.9% year on year. The efficiency ratio of Emprise Bank was 61.06%: about 61 cents cost per revenue dollar, against 57 cents at the median peer.
At , noncurrent loans were 0.37% of total loans at Emprise Bank; net charge-offs: 0.08% of average loans. Gross loans and leases at Emprise Bank: $2.0 bn, up 8.3% in a year.
Emprise Bank: profitability
- Return on equity 21%
- Net interest margin 4.0%
- Return on assets 1.6%
Peer group of Emprise Bank
The peer group of Emprise Bank is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Emprise Bank (state nonmember bank), 6 sit in the same size group ($1 bn to $10 bn) and 0 have head offices in Kansas. Against them, Emprise Bank shows CET1 ratio 10.22% against a peer median of 13.43%, return on equity 21.01% against a peer median of 12.99% and uninsured deposit share 28.19% against a peer median of 22.50%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Armstrong Bank | State member bank | OK | $2.8 bn | 13.89% | 17.13% | 24.46% | |
| Habib American Bank | State nonmember bank | NY | $2.8 bn | 12.79% | 11.35% | 31.96% | |
| Medallion Bank | State nonmember bank | UT | $2.8 bn | 13.12% | 12.95% | 0.24% | |
| Emprise Bank | State nonmember bank | KS | $2.8 bn | 10.22% | 21.01% | 28.19% | |
| Chemung Canal Trust Company | National bank | NY | $2.8 bn | 13.84% | 13.04% | 31.40% | |
| State Bank of the Lakes | National bank | IL | $2.8 bn | 10.75% | 13.56% | 20.54% | |
| Bank of New Hampshire | State member bank | NH | $2.8 bn | 13.75% | 8.46% | 18.99% | |
. FDIC Call Reports.
Last eight quarters
Two years at Emprise Bank, to : assets +11.3%, deposits +11.1%, equity +6.0%. Staff 447 to 464; offices 34 to 32.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $2.5 bn | $2.5 bn | $2.6 bn | $2.6 bn | $2.7 bn | $2.8 bn | $2.8 bn | $2.8 bn |
| Total deposits | $2.3 bn | $2.3 bn | $2.4 bn | $2.4 bn | $2.4 bn | $2.5 bn | $2.5 bn | $2.5 bn |
| Bank equity capital | $199.9 mn | $185.9 mn | $191.6 mn | $197.1 mn | $204.0 mn | $206.8 mn | $207.4 mn | $211.8 mn |
| CET1 ratio | 11.04% | 10.45% | 10.55% | 10.56% | 10.39% | 10.15% | 10.26% | 10.22% |
| Return on equity (ROE) | 16.20% | 17.11% | 15.06% | 16.25% | 18.04% | 17.58% | 20.28% | 21.01% |
| Uninsured share of domestic deposits | 28.50% | 27.41% | 27.05% | 27.11% | 26.88% | 27.00% | 27.24% | 28.19% |
| Full-time equivalent employees | 447 | 445 | 445 | 447 | 449 | 452 | 457 | 464 |
| Number of offices | 34 | 34 | 34 | 34 | 33 | 33 | 32 | 32 |
FDIC Call Reports.
Mergers and acquisitions
No merger or acquisition by Emprise Bank appears in the FDIC history since , and its total assets never moved more than 25% in one quarter.
Questions and identifiers
What were the total assets of Emprise Bank?
Emprise Bank reported $2.8 bn at in its Call Report. That makes Emprise Bank the 450th largest of 497 banks in our US coverage.
Is Emprise Bank the same as its holding company?
No. This page covers Emprise Bank, FDIC certificate 4789; EMPRISE FINANCIAL CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Emprise Bank profitable?
Emprise Bank reported net income of $21.9 mn for the year to ; annualized return on equity: 21.01%. So yes: Emprise Bank made a profit over these months.
When is data for Emprise Bank next updated?
Figures from Emprise Bank for are due after .
Where can I check the figures for Emprise Bank?
In the FDIC BankFind Suite record for certificate 4789, and in the Call Reports of Emprise Bank (RSSD ID 65858) at the FFIEC Central Data Repository.