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 | |