Emprise Bank
Emprise Bank is an FDIC-insured commercial bank headquartered in Wichita, KS, supervised by the FDIC, with $2.89B in total assets at Q3 2026, up 8.0% from Q3 2025, the 6th largest of 182 banks headquartered in Kansas. It was established in 1910 and holds FDIC certificate 4789. Its CET1 capital ratio was 9.90% at Q3 2026, above the 7% level required once the capital conservation buffer is included.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 4789
- Headquarters
- Wichita, KS
- Established
- 1910
- Total assets, Q3 2026
- $2.89B
- Assets vs Q3 2025
- +8.0%
- CET1 ratio, Q3 2026
- 9.90%
- Domestic offices
- 32 branches
- Routing number
- 101100579
- Safety and soundness
- Is Emprise Bank safe?
- Latest call report
- Q3 2026, FFIEC 051 · Emprise Bank call report
- Holding company
- EMPRISE FINANCIAL CORPORATION
- Asset rank in state
- 6th of 182 in Kansas
Emprise Bank is one of the more profitable banks of its size. Its balance sheet stood at $2.9 billion at September 30, 2026, up 8.0% from a year earlier; it is based in Wichita, Kansas. It returns 22.6% a year on shareholders' equity, higher than about 9 in 10 of the 887 banks with $1 billion to $10 billion in assets (median 12.8%). On the other hand, it holds common equity equal to 9.90% of its risk-weighted assets, lower than about 9 in 10 banks its size (median 13.62%). A wide margin does most of the work: it keeps 4.18 cents of net interest income on every dollar of earning assets.
Unrealized losses on its securities total $40 million, equal to 18% of Tier 1 capital, against 14% a year earlier. Its $299 million commercial and industrial book is improving, with 0.41% past due or on nonaccrual, down from 1.34% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 3.9 times its capital, higher than about 9 in 10 banks its size (median 2.3 times).
As of September 30, 2026, Emprise Bank reported a CET1 capital ratio of 9.90%, a return on assets of 1.63%, a nonperforming-loan ratio of 0.13% and a Texas ratio of 1.35%. The figures come from its call report filed with the FFIEC.
Of the 182 banks headquartered in Kansas, Emprise Bank is the 6th largest by total assets at Q3 2026. Between Q2 2026 and Q3 2026, its total assets rose 2.5% to $2.89B, loans rose 4.2% and deposits rose 3.9%. Its loan book on September 30, 2026 was led by non-owner-occupied commercial real estate loans, at 30.1% of total loans, followed by 1-4 family residential loans at 21.6%. The FDIC Summary of Deposits lists 32 offices for it, in 21 cities across 2 states; its Wichita 12 offices book 61% of its branch deposits. By the capital ratios in its Q3 2026 call report, Emprise Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 257 N Broadway Ave, Wichita, KS 67202
- County
- Sedgwick
- Metro Area
- Wichita, KS
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Trust powers grandfathered
- Call Report form
- FFIEC 051
- Established
- May 21, 1910
- Former names
- United American Bank & Trust Company (1976-1989); United American State Bank & Trust Company (1973-1976); Stockyards National Bank (1959-1973)
- Domestic offices
- 32 branches
- Employees (FTE)
- 461
- Domestic deposits
- $2.61B
- Allowance for credit losses
- $25.4M
- Net charge-offs (YTD)
- $816K
- Average total assets
- $2.87B
- Average total loans
- $2.06B
- Average interest-bearing deposits
- $2.02B
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4789
- Fed RSSD
- 65858
- SEC CIK
- 1020537 → filed by EMPRISE FINANCIAL CORPORATION
- Website
- www.emprisebank.com →
- Parent Holding Company
- EMPRISE FINANCIAL CORPORATION (RSSD 1135824)
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, Emprise Bank's total assets ranged from $2.47B (Q4 2023) to $2.89B (Q3 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$2.89B total assets against $2.68B; $2.69B total liabilities against $2.47B.
$2.09B net loans and leases against $1.89B; $2.61B total deposits against $2.41B.
$572.8M securities against $594.8M; $109.5M cash and balances due against $92.5M.
$38.7M total interest income against $34.9M; $9.9M total interest expense against $11.0M.
$28.7M net interest income against $23.9M.
$6.3M total noninterest income against $7.3M; $21.8M total noninterest expense against $19.0M.
$1.1M provision for credit losses against $1.0M.
$11.7M net income against $10.8M.
1.63% return on assets against 1.62%; 4.18% net interest margin against 3.74%.
9.90% CET1 capital ratio against 10.39%; 7.67% tier 1 leverage ratio against 7.87%.
Inside the full Emprise Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Emprise Bank rankings
Its closest position to the top of a national ranking is 445 of 4,193, for total assets; its furthest is 1,993 of 2,021, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q3 2026, its return on assets ran from 1.10% (Q1 2025) to 1.63% (Q3 2026) and its net interest margin ran from 3.51% (Q1 2025) to 4.18% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 9.90% | 1.63% | 0.13% | 1.35% | 4.18% |
| Q2 2026 | 10.22% | 1.62% | 0.37% | 3.16% | 3.98% |
| Q1 2026 | 10.26% | 1.51% | 0.22% | 1.95% | 3.92% |
| Q4 2025 | 10.15% | 1.21% | 0.31% | 3.01% | 3.82% |
| Q3 2025 | 10.39% | 1.62% | 0.24% | 2.49% | 3.74% |
| Q2 2025 | 10.56% | 1.29% | 0.30% | 3.35% | 3.66% |
| Q1 2025 | 10.55% | 1.10% | 0.24% | 2.56% | 3.51% |
| Q4 2024 | 10.45% | 1.43% | 0.23% | 2.53% | 3.53% |
Swipe the table sideways to see every column.
Branch Network
View all 32 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Emprise Bank (main office) | Wichita , KS | 67202 | $854.7M |
| Handy Bank - East Branch | Hays , KS | 67601 | $144.1M |
| Westlink Facility | Wichita , KS | 67212 | $119.2M |
| Iola Branch | Iola , KS | 66749 | $95.6M |
| New Market Square Branch | Wichita , KS | 67205 | $91.7M |
| 21st & Webb Branch | Wichita , KS | 67206 | $87.7M |
| El Dorado Branch | El Dorado , KS | 67042 | $82.3M |
| West Central Street Branch | Wichita , KS | 67203 | $69.9M |
| Augusta - West | Augusta , KS | 67010 | $67.3M |
| Clearwater Branch | Clearwater , KS | 67026 | $56.5M |
| Goddard East Branch | Goddard , KS | 67052 | $52.0M |
| Hillsboro Branch | Hillsboro , KS | 67063 | $50.8M |
| Detached Facility | Wichita , KS | 67217 | $49.0M |
| Emprise Bank Southeast | Wichita , KS | 67207 | $46.9M |
| Emprise Bank Main Branch | Wichita , KS | 67202 | $46.5M |
| Emprise Bank Derby | Derby , KS | 67037 | $45.6M |
| North Broadway Branch | Wichita , KS | 67214 | $44.3M |
| Detached Facility | Wichita , KS | 67211 | $44.3M |
| Valley Center Branch | Valley Center , KS | 67147 | $43.1M |
| Andover Branch | Andover , KS | 67002 | $42.8M |
| Haysville Branch | Haysville , KS | 67060 | $42.7M |
| West Lawrence Branch | Lawrence , KS | 66049 | $41.1M |
| Drive-In Facility | Wichita , KS | 67208 | $39.4M |
| Park City Branch | Park City , KS | 67219 | $36.8M |
| Chanute Branch | Chanute , KS | 66720 | $33.4M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| November 11, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 11, 2006 | Structure Change | Acquired The Prairie State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 14, 2005 | Structure Change | Acquired Emprise Bank National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| May 13, 2005 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 18, 2004 | Structure Change | Acquired Emprise Bank National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 17, 2004 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| April 1, 2002 | Structure Change | Acquired Emprise Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 31, 2002 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 6, 1997 | Structure Change | Acquired Wichita Federal Savings and Loan Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 6, 1997 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 1, 1989 | Structure Change | Acquired Wichita State Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 12 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 2.4% of deposits in KS, rank 8 of 231 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 1,063 applications, 617 loans originated, $131.4M originated, across 10 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 52 loans, $19.5M approved, $376K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Emprise Bank
What are Emprise Bank's total assets?
As of the Q3 2026 filing, Emprise Bank reported total assets of $2.89 billion in its FFIEC call report.
Where is Emprise Bank headquartered?
It is headquartered in Wichita, KS, United States.
When was Emprise Bank founded?
It was established in 1910, per the FDIC institution directory.
Is Emprise Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4789). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Emprise Bank?
Emprise Bank's primary federal regulator is the FDIC.
What is Emprise Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 9.90% in its Q3 2026 call report, above the 7% level required once the capital conservation buffer is included.
How many branches does Emprise Bank operate?
It operates 32 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Emprise Bank's Texas Ratio?
Its Texas Ratio is 1.35% in its Q3 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures nonperforming assets against the bank's capital and reserves.
What was Emprise Bank previously called?
The charter now named Emprise Bank has also operated as United American Bank & Trust Company (1976-1989), United American State Bank & Trust Company (1973-1976), Stockyards National Bank (1959-1973), per FDIC structure-change records.
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