← Back to Institutions
Emprise Bank
Wichita, KS·FDIC Cert #4789·Charter: STATE·Est. 19100521.0·HC: EMPRISE FINANCIAL CORP
Total Assets
$2.8B
Q4 2025
Return on Assets
1.32%
-0.03%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
64.40%
Peer avg: 58.5%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
60
Satisfactory
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.32%-0.03
ROE
17.58%-0.46
Efficiency
64.40%-1.10
Equity/Assets
0.00%+0.00
NPL Ratio
0.31%+0.07
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
77.87%-0.47
Charge-offs
0.13%+0.08
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.1 | 1.1 | 1.2 | 1.3 | 1.1 | 1.2 | 1.4 | 1.3 |
| ROE | 14.9 | 15.9 | 16.2 | 17.1 | 15.1 | 16.3 | 18.0 | 17.6 |
| Efficiency | 69.0 | 67.4 | 66.6 | 65.8 | 68.8 | 68.2 | 65.5 | 64.4 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.1 | 0.2 | 0.2 | 0.2 | 0.2 | 0.3 | 0.2 | 0.3 |
| Charge-offs | 0.2 | 0.1 | 0.1 | 0.1 | 0.0 | 0.1 | 0.1 | 0.1 |
| Loan/Deposit | 82.6 | 85.1 | 79.6 | 80.9 | 76.4 | 78.1 | 78.3 | 77.9 |
Balance Sheet
Total Assets$2.8B
Total Deposits$2.5B
Total Loans$1.9B
Total Equity$206.8M
Profitability
ROA1.32%
ROE17.58%
Efficiency Ratio64.40%
Net Income$34.6M
Risk & Asset Quality
NPL Ratio0.31%
Charge-off Rate0.13%
Loan/Deposit77.87%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans