Emprise Bank
Wichita, Kansas, Sedgwick County
$2.8B in total assets, the 468th largest of 4,309 US banks and 6th of 185 headquartered in Kansas.
- FDIC certificate
- 4789
- Established
- 1910
- Owned by
- Emprise Financial Corp
- Primary regulator
- FDIC
- Website
- www.emprisebank.com
At a glance
Compared with 19 banks headquartered in Kansas with $1 billion to $10 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $2.8B | 74% | $1.4B | |
| Loans | $2.0B | 68% | $916M | |
| Deposits | $2.5B | 74% | $1.2B | |
| Return on assets | 1.51% | 63% | 1.40% | |
| Net interest margin | 4.03% | 68% | 3.83% | |
| Efficiency ratio | 61.1% | 58% | 59.1% | |
| Equity to assets | 7.51% | 16% | 10.63% | |
| Loans to deposits | 81% | 47% | 84% |
Growth
Total assets grew 3.8% a year over the last 5 years and 6.0% a year over 10 years, without acquisitions.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Nov 2006 | THE PRAIRIE STATE BANK Augusta, KS, an affiliate under the same holding company | $271M |
| May 2005 | Emprise Bank National Association Hillsboro, KS, an affiliate under the same holding company | $94M |
| May 2005 | Emprise Bank Iola, KS, an affiliate under the same holding company | $91M |
| Sep 2004 | Emprise Bank National Association Hays, KS, an affiliate under the same holding company | $95M |
| Mar 2002 | Emprise Bank Potwin, KS, an affiliate under the same holding company | $13M |
| Jan 1997 | Wichita Federal Savings and Loan Association Wichita, KS, an affiliate under the same holding company | $245M |
| Jan 1989 | Wichita State Bank Wichita, KS | $97M |
| Jan 1989 | National Bank of Wichita Wichita, KS | $55M |
Where they operate
32 branches in 11 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| Sedgwick County, KS | $1.8B | 9.1% | 4 of 38 |
| Butler County, KS | $210M | 11.7% | 3 of 12 |
| Ellis County, KS | $144M | 11.0% | 6 of 10 |
| Allen County, KS | $126M | 25.2% | 2 of 5 |
| Marion County, KS | $51M | 13.2% | 4 of 8 |
| Douglas County, KS | $41M | 1.2% | 17 of 22 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net loss of 6 branches since 2016 (38 to 32, −15.8%). 1 opened, 0 acquired, 7 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 38 | |||
| 2020 | Closed 3 in Kansas | 0 | 3 | −3 | 35 |
| 2021 | Closed Iola and Moran | 0 | 2 | −2 | 33 |
| 2024 | Opened Kansas City | 1 | 0 | +1 | 34 |
| 2025 | Closed Augusta | 0 | 1 | −1 | 33 |
| 2026 through Q2 | Closed Wichita | 0 | 1 | −1 | 32 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 38% | 31% | |
| 1-4 family residential | 21% | 25% | |
| Business (C&I) | 13% | 14% | |
| Multifamily | 8% | 5% | |
| Construction and land | 8% | 8% | |
| Agricultural | 4% | 5% | |
| Consumer | 3% | 2% | |
| Farmland | 3% | 8% | |
| Other | 1% | 2% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 54% | 52% | |
| Noninterest-bearing | 26% | 21% | |
| Time deposits | 20% | 26% |
Brokered deposits are 1.1% of deposits (peers 5.4%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.33% | 0.62% |
| Net charge-offs, annualized | 0.08% | 0.05% |
| Reserves to loans | 1.20% | 1.29% |
| Leverage ratio | 7.69% | 10.64% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Kansas
Largest competitors in Sedgwick County, KS
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/emprise