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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.05% | 1.19% | 0.92% | 1.07% | 1.33% | 0.96% | 1.24% | 1.33% | +27 bps | |
| Return on Equity | 13.86% | 15.59% | 12.39% | 14.23% | 17.53% | 12.72% | 16.58% | 17.80% | +357 bps | |
| Net Interest Margin | 3.47% | 3.42% | 3.40% | 3.54% | 3.62% | 3.71% | 3.79% | 3.85% | +31 bps | |
| Efficiency Ratio | 65.28% | 63.36% | 68.84% | 67.52% | 60.77% | 61.48% | 61.34% | 60.79% | -673 bps | |
| Non-Interest Burden | 1.97% | 1.74% | 2.06% | 2.10% | 1.75% | 1.85% | 1.97% | 1.99% | -11 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 | 0.08% | 0.04% | 0.01% | 0.14% | 0.02% | 0.36% | 0.15% | 0.01% | -13 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 | |