Bank Comparison
Emprise Bank vs Westfield Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
13 · 11
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Emprise Bank | Westfield Bank |
|---|---|---|
| CET1 Ratio | 10.26% | 12.44% |
| Tier 1 Capital Ratio | 10.26% | 12.44% |
| Total Capital Ratio | 11.44% | 13.46% |
| Tier 1 Leverage Ratio | 7.70% | 9.36% |
| Equity / Assets | 7.48% | 9.18% |
Profitability
| Metric | Emprise Bank | Westfield Bank |
|---|---|---|
| Return on Assets (ROA) | 1.51% | 0.80% |
| Return on Equity (ROE) | 20.28% | 8.78% |
| Net Interest Margin (NIM) | 3.92% | 2.93% |
| Yield on Earning Assets | 5.37% | 4.65% |
| Cost of Funds | 1.53% | 1.82% |
Asset quality
| Metric | Emprise Bank | Westfield Bank |
|---|---|---|
| Texas Ratio | 3.15% | 1.78% |
| Non-Performing Loan Ratio | 0.28% | 0.21% |
| Non-Performing Asset Ratio | 0.24% | 0.17% |
| Net Charge-Off Ratio | 0.15% | 0.01% |
| ACL / Loans | 1.16% | 0.93% |
Balance sheet
| Metric | Emprise Bank | Westfield Bank |
|---|---|---|
| Total Assets | $2,773M | $2,761M |
| Total Deposits | $2,501M | $2,383M |
| Total Loans | $1,994M | $2,200M |
| Total Equity | $207,367K | $253,406K |
| Net Income (quarter) | $10,501K | $5,554K |
Liquidity & funding
| Metric | Emprise Bank | Westfield Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 79.72% | 92.34% |
| Core Deposit Ratio | 95.49% | 89.52% |
| Uninsured Deposit Ratio | 27.24% | 29.64% |
Identity
| Metric | Emprise Bank | Westfield Bank |
|---|---|---|
| Headquarters City | WICHITA | WESTFIELD |
| Headquarters State | KS | MA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 717968 |
| Regulator | FDIC | OCC |
| Domestic Branches | 32 | 27 |
| Employees (FTE) | 457 | 311 |
| Established | May 21, 1910, midnight | April 15, 1853, 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.
View full Emprise Bank profile | View full Westfield Bank profile | Browse all bank comparisons