BlastPoint's Banking Scorecard

Emprise Bank

Community Specialty: Commercial KS FDIC cert 4789

Wichita, KS

1484 banks in Community tier nationally 38 in KS

View Community leaderboard (KS) →

Emprise Bank faces 2 concerns requiring attention

Key Strengths

Areas where this bank excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 20% in Community
- Credit Quality Pressure: Bottom 24% in Community

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (KS)	National Avg	Tier Percentile
Total Assets ?	$2.8B +9.4% YoY +2.8% QoQ	+$1.4B	$1.4B +2.0% YoY	$500.0M +7.2% YoY	$5.9B +6.5% YoY	Top 11% in tier
Total Loans ?	$1.9B +5.0% YoY +2.4% QoQ	+$954.8M	$975.5M +2.4% YoY	$330.9M +7.5% YoY	$3.1B +8.5% YoY	Top 12% in tier
Total Deposits ?	$2.5B +9.1% YoY +3.0% QoQ	+$1.3B	$1.2B +1.7% YoY	$415.2M +7.6% YoY	$4.7B +6.3% YoY	Top 9% in tier
Return on Assets ?	1.32% +5.1% YoY -2.5% QoQ	+0.16%	1.16% +17.2% YoY	1.26% +16.9% YoY	1.12% +15.6% YoY	64%
Net Interest Margin ?	3.78% +4.7% YoY +1.5% QoQ	+0.12%	3.66% +9.1% YoY	3.85% +7.2% YoY	3.75% +7.1% YoY	59%
Efficiency Ratio ?	64.40% -2.1% YoY -1.7% QoQ	+1.77%	62.63% -5.3% YoY	63.53% -4.9% YoY	65.09% -5.1% YoY	43%
Delinquency Rate ?	0.31% +35.6% YoY +27.1% QoQ	-0.32%	0.63% +18.3% YoY	0.50% +113.1% YoY	0.66% +20.3% YoY	60%
Loan-to-Deposit Ratio ?	77.87% -3.8% YoY -0.6% QoQ	-5.19%	83.06% +0.3% YoY	73.36% +1.4% YoY	78.04% +0.7% YoY	67%
Non-Interest-Bearing Deposit Share ?	26.70% +20.9% YoY +31.2% QoQ	+5.65%	21.05% -0.9% YoY	21.92% -1.8% YoY	21.79% -1.3% YoY	75%
Nonperforming Asset Ratio ?	0.22% +24.1% YoY +20.6% QoQ	-0.27%	0.50% +20.3% YoY	0.36% +79.7% YoY	0.48% +20.8% YoY	62%
Tier 1 Capital Ratio ?	10.15% -2.8% YoY -2.3% QoQ	-0.09%	10.24% -0.6% YoY	7.38% -10.4% YoY	9.75% -1.9% YoY	31%
Non-Interest Income / Assets ?	0.93% +3.5% YoY +36.7% QoQ	+0.19%	0.74% -1.3% YoY	0.59% +2.2% YoY	0.65% +0.6% YoY	84%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Credit Risk Growth

risk

#128 of 642 · Bottom 20% in Community

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

642 of 642 Community banks match · 759 nationally

→ Stable +24 banks QoQ | QoQ rank declining

Credit Quality Pressure

risk

#197 of 808 · Bottom 24% in Community

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

Why this signature

Delinquency Rate: 0.31%

(Tier: 0.63%, National: 0.66%)

better than tier avg

808 of 808 Community banks match · 961 nationally

→ Stable +22 banks QoQ | QoQ rank declining

Metric Rankings

How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25%

Compare against:

Comparing against 1484 peers in Community tier

Top Strengths

Total Deposits

Current: $2.5B · Tier avg: $1.2B

91th pctile

Total Assets

Current: $2.8B · Tier avg: $1.4B

89th pctile

Total Loans

Current: $1.9B · Tier avg: $975.5M

88th pctile

Non-Interest Income / Assets

Current: 0.93% · Tier avg: 0.74%

84th pctile

Non-Interest-Bearing Deposit Share

Current: 26.70% · Tier avg: 21.05%

75th pctile

Loan-to-Deposit Ratio

Current: 77.87% · Tier avg: 83.06%

67th pctile

Return on Assets

Current: 1.32% · Tier avg: 1.16%

64th pctile

Nonperforming Asset Ratio

Current: 0.22% · Tier avg: 0.50%

62th pctile

Delinquency Rate

Current: 0.31% · Tier avg: 0.63%

60th pctile

Net Interest Margin

Current: 3.78% · Tier avg: 3.66%

59th pctile

Efficiency Ratio

Current: 64.40% · Tier avg: 62.63%

43th pctile

Tier 1 Capital Ratio

Current: 10.15% · Tier avg: 10.24%

31th pctile

Top Weaknesses