Bank Comparison
Emprise Bank vs State Bank of Texas
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 11
winning metrics across 21 comparable rows
Capital adequacy
| Metric | Emprise Bank | State Bank of Texas |
|---|---|---|
| CET1 Ratio | 10.26% | — |
| Tier 1 Capital Ratio | 10.26% | — |
| Total Capital Ratio | 11.44% | — |
| Tier 1 Leverage Ratio | 7.70% | 14.73% |
| Equity / Assets | 7.48% | 14.52% |
Profitability
| Metric | Emprise Bank | State Bank of Texas |
|---|---|---|
| Return on Assets (ROA) | 1.51% | 3.96% |
| Return on Equity (ROE) | 20.28% | 26.95% |
| Net Interest Margin (NIM) | 3.92% | 5.05% |
| Yield on Earning Assets | 5.37% | 8.31% |
| Cost of Funds | 1.53% | 3.65% |
Asset quality
| Metric | Emprise Bank | State Bank of Texas |
|---|---|---|
| Texas Ratio | 3.15% | 14.96% |
| Non-Performing Loan Ratio | 0.28% | 1.15% |
| Non-Performing Asset Ratio | 0.24% | 2.22% |
| Net Charge-Off Ratio | 0.15% | 0.01% |
| ACL / Loans | 1.16% | 1.07% |
Balance sheet
| Metric | Emprise Bank | State Bank of Texas |
|---|---|---|
| Total Assets | $2,773M | $2,764M |
| Total Deposits | $2,501M | $2,223M |
| Total Loans | $1,994M | $2,231M |
| Total Equity | $207,367K | $401,316K |
| Net Income (quarter) | $10,501K | $27,239K |
Liquidity & funding
| Metric | Emprise Bank | State Bank of Texas |
|---|---|---|
| Loan-to-Deposit Ratio | 79.72% | 100.35% |
| Core Deposit Ratio | 95.49% | 83.03% |
| Uninsured Deposit Ratio | 27.24% | 17.22% |
Identity
| Metric | Emprise Bank | State Bank of Texas |
|---|---|---|
| Headquarters City | WICHITA | IRVING |
| Headquarters State | KS | TX |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FDIC |
| Domestic Branches | 32 | 7 |
| Employees (FTE) | 457 | 96 |
| Established | May 21, 1910, midnight | Oct. 19, 1987, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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