BlastPoint's Banking Scorecard

Emprise Bank

$1B-$10B Specialty: Commercial KS FDIC cert 4789

Designations: ✓ Community bank

Wichita, KS

32 branches across KS · MO

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 885 banks in the $1B-$10B peer group nationwide — 1 of 20 in KS.
Deposits +5.5% year over year ($2.5B on the books).
Delinquency rate 0.38%.
Return on assets 1.58%.
Efficiency ratio 61.06% vs a 59.73% peer average.
Loan-to-deposit ratio 79.96% vs a 85.04% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

885 banks in the $1B-$10B peer group nationally 20 in KS

View $1B-$10B leaderboard (KS) →

Emprise Bank has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ ROA 0.19% above tier average
+ Net Interest Margin 0.16% above tier average
+ Delinquency Rate 0.49% below tier average

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 24.2% in tier
- Credit Risk Growth: Bottom 36.8% in tier
- Capital Thin: Bottom 46.4% in tier
- Efficiency Ratio 1.34% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$2.8B +8.8% YoY +1.7% QoQ	+$27.4M	$2.8B -0.6% YoY	$513.9M +7.1% YoY	$6.3B +7.7% YoY	67%
Total Loans ?	$2.0B +8.1% YoY +1.9% QoQ	+$46.2M	$2.0B -0.3% YoY	$343.7M +7.8% YoY	$3.2B +9.4% YoY	67%
Total Deposits ?	$2.5B +5.5% YoY +0.4% QoQ	+$194.1M	$2.3B -0.5% YoY	$426.3M +7.4% YoY	$4.9B +7.3% YoY	70%
Return on Assets ?	1.58% +29.9% YoY +3.7% QoQ	+0.19%	1.39% +17.0% YoY	1.56% +14.6% YoY	1.30% +12.1% YoY	72%
Net Interest Margin ?	4.03% +9.6% YoY +0.8% QoQ	+0.16%	3.87% +6.2% YoY	3.99% +4.5% YoY	3.95% +4.9% YoY	70%
Efficiency Ratio ?	61.06% -10.4% YoY -0.5% QoQ	+1.34%	59.73% -12.6% YoY	60.13% -4.7% YoY	70.05% +2.5% YoY	44%
Delinquency Rate ?	0.38% +24.7% YoY +72.1% QoQ	-0.49%	0.87% +11.7% YoY	0.82% +9.9% YoY	0.98% +16.3% YoY	63%
Loan-to-Deposit Ratio ?	79.96% +2.4% YoY +1.5% QoQ	-5.07%	85.04% -0.1% YoY	72.94% +0.4% YoY	79.03% +2.3% YoY	67%
Non-Interest-Bearing Deposit Share ?	25.78% +7.0% YoY -2.6% QoQ	+4.51%	21.27% -1.5% YoY	22.01% -1.4% YoY	21.98% -0.6% YoY	73%
Nonperforming Asset Ratio ?	0.27% +8.3% YoY +40.3% QoQ	-0.41%	0.67% +11.7% YoY	0.53% +8.8% YoY	0.69% +15.8% YoY	65%
Tier 1 Capital Ratio ?	10.22% -3.3% YoY -0.4% QoQ	-4.62%	14.84% -0.4% YoY	17.75% -1.2% YoY	17.09% +0.8% YoY	Bottom 7.8% in tier
Non-Interest Income / Assets ?	0.43% +1.8% YoY +95.0% QoQ	-0.10%	0.53% +2.5% YoY	0.59% -1.1% YoY	0.66% +5.2% YoY	73%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Noninterest-Bearing	25.8% +1.7pp YoY -0.7pp QoQ	+4.4pp	21.4%	22.3%	22.2%	73%
Brokered Deposits	1.1% -2.4pp YoY 0.0pp QoQ	-8.4pp	9.5%	8.7%	8.5%	19%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
C&I	13.6% 0.0pp YoY -0.7pp QoQ	-0.4pp	14.0%	12.6%	12.5%	62%
CRE	55.3% +2.2pp YoY +0.8pp QoQ	+5.3pp	50.0%	28.8%	41.4%	65%
1-4 Family	21.5% -1.0pp YoY -0.1pp QoQ	-4.9pp	26.4%	26.7%	31.3%	45%
Consumer	3.1% -0.1pp YoY 0.0pp QoQ	-1.6pp	4.7%	4.6%	5.0%	74%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
CET1 Ratio	10.2% -0.3pp YoY 0.0pp QoQ	-5.4pp	15.6%	23.3%	19.7%	2%
Leverage Ratio	7.7% -0.3pp YoY 0.0pp QoQ	-3.6pp	11.3%	12.6%	12.6%	2%
Total Capital Ratio	11.4% -0.2pp YoY 0.0pp QoQ	-5.3pp	16.7%	24.4%	20.8%	4%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Full-Time Employees	464 +17 (+3.8%) YoY +7 (+1.5%) QoQ	+150	313	70	482	82%
Assets per Employee ($)	$6.1M +4.8% YoY +0.2% QoQ	-$4.4M	$10.5M	$7.1M	$8.8M	12%
Branch Count	32 -2 (-5.9%) YoY 0 QoQ	+12	20	6	18	83%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.2%	0.4%	0.4%	n/a
Nonaccrual	0.4% +0.1pp YoY +0.2pp QoQ	-0.4pp	0.8%	0.8%	1.0%	38%
Allowance Coverage	3.22x -4.4% YoY -40.0% QoQ	-15.49x	18.71x	22.44x	20.23x	66%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY -0.1pp QoQ	-0.2pp	0.3%	0.1%	0.2%	63%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
ROE	21.0% +4.8pp YoY +0.7pp QoQ	+8.4pp	12.6%	14.3%	11.6%	92%
Cost of Funds (YTD)	1.5% -0.3pp YoY 0.0pp QoQ	-0.4pp	1.9%	1.6%	1.7%	21%
Net Income ($, YTD)	$21.9M +40.9% YoY — QoQ	+$2.7M	$19.2M	$3.7M	$40.4M	73%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Credit Quality Pressure

risk

#120 of 492 • Bottom 24.2% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature

Delinquency Rate: 0.38%

(Tier: 0.87%, National: 0.98%)

better than tier avg

492 of 492 Mid-Market banks match · 1820 nationally

→ Stable -71 banks QoQ

Credit Risk Growth

risk

#149 of 402 • Bottom 36.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

402 of 402 Mid-Market banks match · 1401 nationally

→ Stable -58 banks QoQ

Capital Thin

risk

#104 of 222 • Bottom 46.4% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.22%

(Tier: 14.84%, National: 17.09%)

worse than tier avg

222 of 222 Mid-Market banks match · 923 nationally

→ Stable | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 885 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (1 metrics)

817

Tier 1 Capital Ratio

capital

Value: 10.22%

Peer Median: 14.84%

#817 of 885 Bottom 7.8% in $1B-$10B