BlastPoint's Banking Scorecard
Emprise Bank
Designations: ✓ Community bank
Wichita, KS
32 branches across KS · MO
Emprise Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Credit Quality Leader: Top 20.5% in tier
- + ROA 0.16% above tier average
- + Net Interest Margin 0.18% above tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 41.2% in tier
- - Efficiency Ratio 0.28% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.8B
+7.1% YoY
+0.8% QoQ
|
-$42.1M |
$2.8B
-0.1% YoY
|
$509.2M
+7.2% YoY
|
$6.2B
+9.1% YoY
|
66% |
| Total Loans ? |
$2.0B
+8.3% YoY
+2.1% QoQ
|
+$6.5M |
$2.0B
+0.6% YoY
|
$338.5M
+8.8% YoY
|
$3.2B
+10.8% YoY
|
66% |
| Total Deposits ? |
$2.5B
+4.9% YoY
+0.9% QoQ
|
+$158.6M |
$2.3B
-0.3% YoY
|
$424.4M
+7.3% YoY
|
$4.8B
+8.2% YoY
|
70% |
| Return on Assets ? |
1.52%
+36.5% YoY
+15.2% QoQ
|
+0.16% |
1.37%
+19.6% YoY
|
1.40%
+19.8% YoY
|
1.23%
+13.4% YoY
|
72% |
| Net Interest Margin ? |
4.00%
+11.2% YoY
+5.7% QoQ
|
+0.18% |
3.82%
+6.9% YoY
|
3.92%
+4.5% YoY
|
3.89%
+5.7% YoY
|
72% |
| Efficiency Ratio ? |
61.34%
-10.9% YoY
-4.8% QoQ
|
+0.28% |
61.06%
-4.6% YoY
|
62.29%
-5.0% YoY
|
66.95%
-4.1% YoY
|
45% |
| Delinquency Rate ? |
0.22%
-10.4% YoY
-29.9% QoQ
|
-0.67% |
0.89%
+14.1% YoY
|
0.77%
+10.4% YoY
|
0.95%
+18.8% YoY
|
77% |
| Loan-to-Deposit Ratio ? |
78.80%
+3.2% YoY
+1.2% QoQ
|
-5.41% |
84.20%
+0.3% YoY
|
71.79%
+1.2% YoY
|
76.70%
+0.9% YoY
|
69% |
| Non-Interest-Bearing Deposit Share ? |
26.46%
+20.6% YoY
-0.9% QoQ
|
+5.17% |
21.29%
-2.5% YoY
|
22.83%
-2.0% YoY
|
22.01%
-1.2% YoY
|
75% |
| Nonperforming Asset Ratio ? |
0.19%
+4.0% YoY
-14.7% QoQ
|
-0.48% |
0.67%
+15.6% YoY
|
0.51%
+12.5% YoY
|
0.67%
+19.3% YoY
|
74% |
| Tier 1 Capital Ratio ? |
10.26%
-2.8% YoY
+1.0% QoQ
|
-4.90% |
15.16%
+2.0% YoY
|
17.98%
-0.9% YoY
|
17.06%
+0.8% YoY
|
Bottom 6.8% in tier |
| Non-Interest Income / Assets ? |
0.22%
+3.7% YoY
-76.3% QoQ
|
-0.04% |
0.26%
+1.6% YoY
|
0.28%
-1.8% YoY
|
0.32%
+4.1% YoY
|
75% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (1)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.