Wichita, KS · Cert 4789 · Emprise Financial Corp.
State charter, non-member · FDIC · 32 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets operating regionally (n=176). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
11
Asset Quality
54
Profitability
69
Liquidity
49
Efficiency
44
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Wichita, KS · Cert 4789 · Emprise Financial Corp.
State charter, non-member · FDIC · 32 branches
Q2 2026
Market Position · Wichita, KS · 2026 SOD (annual) · 8.7% share · #4 of 46 inst. · $2.0B of $23.2B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.97% | 1.03% | 0.92% | 0.99% | 1.11% | 1.07% | 1.24% | 1.29% | +29 bps | |
| Return on Equity | 13.28% | 14.03% | 12.39% | 13.32% | 14.75% | 14.29% | 16.58% | 17.16% | +384 bps | |
| Net Interest Margin | 3.33% | 3.38% | 3.40% | 3.45% | 3.46% | 3.44% | 3.79% | 3.80% | +35 bps | |
| Efficiency Ratio | 66.65% | 65.77% | 68.84% | 68.17% | 65.51% | 64.40% | 61.34% | 61.06% | -711 bps | |
| Non-Interest Burden | 1.93% | 1.91% | 2.06% | 2.07% | 1.93% | 1.87% | 1.97% | 1.97% | -10 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.42% | 1.79% | 1.57% | 2.21% | 5.59% | 9.41% | 7.12% | 8.80% | +659 bps | |
| Loan Growth (YoY) | 5.67% | 5.91% | 2.29% | 2.51% | 4.79% | 5.16% | 8.44% | 8.31% | +580 bps | |
| Deposit Growth (YoY) | 8.71% | 8.75% | 10.51% | 11.60% | 6.39% | 9.06% | 4.93% | 5.55% | -605 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.17% | 0.23% | 0.24% | 0.30% | 0.24% | 0.31% | 0.22% | 0.37% | +7 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.08% | 0.01% | 0.07% | 0.05% | 0.13% | 0.15% | 0.08% | +1 bps | |
| Allowance / Loans | 0.93% | 0.95% | 1.01% | 1.01% | 1.04% | 1.15% | 1.16% | 1.20% | +19 bps | |
| Allowance Coverage of NPLs | 5.4x | 4.2x | 4.2x | 3.4x | 4.3x | 3.7x | 5.4x | 3.2x | -0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 8.03% | 7.95% | 7.97% | 7.97% | 7.87% | 7.59% | 7.70% | 7.69% | -29 bps | |
| Total Risk-Based Capital | 12.00% | 11.42% | 11.57% | 11.60% | 11.45% | 11.32% | 11.44% | 11.43% | -16 bps | |
| Equity / Assets | 7.88% | 7.39% | 7.40% | 7.60% | 7.62% | 7.52% | 7.48% | 7.51% | -9 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 80.37% | 81.69% | 77.15% | 78.87% | 79.16% | 78.77% | 79.72% | 80.93% | +207 bps | |
| Liquid Assets / Assets | 1.14% | 0.04% | 3.90% | 2.48% | 2.18% | 2.90% | 3.35% | 3.71% | +122 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 492% | 506% | 505% | n/a | n/a | |
Wichita, KS · Cert 4789 · Peer group: banks $1B-$10B in assets operating regionally (n=176) · Emprise Financial Corp.
State charter, non-member · FDIC · 32 branches
Q2 2026
Return on Assets
1.27%
Rank 86 of 176
Net Interest Margin
3.80%
Rank 58 of 176
Efficiency Ratio
61.06%
Rank 99 of 176
Equity / Assets
7.51%
Rank 165 of 176
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.27% | 0.93% | 1.26% | 1.54% | Beats 51% | 86 / 176 | ||
| Return on Equity | 16.90% | 9.26% | 11.89% | 14.46% | Beats 90% | 17 / 176 | ||
| Net Interest Margin | 3.80% | 3.25% | 3.59% | 3.93% | Beats 67% | 58 / 176 | ||
| Efficiency Ratio | 61.06% | 52.79% | 59.55% | 67.66% | Beats 44% | 99 / 176 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.37% | 0.30% | 0.64% | 1.32% | Beats 68% | 58 / 176 | ||
| Net Charge-Offs / Loans | 0.06% | 0.01% | 0.04% | 0.10% | Beats 40% | 107 / 176 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.22% | 11.15% | 12.72% | 14.15% | Beats 9% | 161 / 176 | ||
| Total Risk-Based Capital Ratio | 11.43% | 11.81% | 13.63% | 15.33% | Beats 19% | 142 / 176 | ||
| Equity / Assets | 7.51% | 9.16% | 10.35% | 11.80% | Beats 6% | 165 / 176 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.93% | 80.94% | 89.73% | 97.21% | 24th pctl | 134 / 176 | ||
| Loans / Assets | 72.11% | 69.25% | 75.12% | 80.82% | 35th pctl | 114 / 176 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||