# EMPRISE BANK
WICHITA, KS · FDIC certificate 4789 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *ordinary*. Composite score 0 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.82B | |
| Deposits | $2.51B | |
| Loans and leases | $2.03B | |
| Total equity | $211.8M | |
| Loans / deposits | 79.96% (p33 of band) | 87.10% |
| Liquid assets / assets | 24.76% (p63 of band) | |
| Uninsured deposits / deposits | 28.19% (p42 of band) | 30.76% |
| Brokered deposits | 0.94% | |
| Wholesale funding | 3.78% (p39 of band) | |
| FHLB advances / assets | 2.84% | |
| Tier 1 leverage | 7.69% (p2 of band) | 10.50% |
| Unrealized securities loss / equity | -12.97% (p33 of band) | -7.75% |
| AOCI / equity | -1.24% (p13 of band) | |
| ROA (annualized) | 1.58% (p72 of band) | 1.26% |
| Net interest margin | 4.03% (p70 of band) | 3.70% |
| Efficiency ratio | 61.06% (p57 of band) | |
| Noncurrent loans | 0.37% (p38 of band) | 0.51% |
| Net charge-offs (annualized) | 0.06% (p65 of band) | |
| Reserve coverage of noncurrent | 322.10% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 77.88% (p77 of band) | |
| Auto loans | $33.0M (1.62% of loans; DQ 0.54%, NCO 0.00%) | |
| Loans to nondepository financials | $1.8M (1% of equity) (p75 of band) | |
| Deposits YoY | 5.5% | |
| Employees | 464 | |

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 0 |  |  |
| 2012-03 | 2 | capital falling, uninsured deposits leaving |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 1 |  | uninsured deposits leaving |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 |  |  |
| 2013-06 | 0 |  | capital falling |
| 2013-09 | 0 |  |  |
| 2013-12 | 0 |  |  |
| 2014-03 | 0 |  |  |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | reserve under noncurrent |  |
| 2014-12 | 1 | capital falling | reserve under noncurrent |
| 2015-03 | 0 |  | capital falling |
| 2015-06 | 1 | charge-offs p90 |  |
| 2015-09 | 1 | capital falling | charge-offs p90 |
| 2015-12 | 0 |  | capital falling |
| 2016-03 | 0 |  |  |
| 2016-06 | 0 |  |  |
| 2016-09 | 0 |  |  |
| 2016-12 | 0 |  |  |
| 2017-03 | 0 |  |  |
| 2017-06 | 1 | capital falling |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 0 |  | capital falling |
| 2018-06 | 0 |  |  |
| 2018-09 | 1 | assets shrinking |  |
| 2018-12 | 0 |  | assets shrinking |
| 2019-03 | 0 |  |  |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 3 | capital falling, noncurrent p90, reserve under noncurrent |  |
| 2020-06 | 1 |  | noncurrent p90, reserve under noncurrent |
| 2020-09 | 1 |  |  |
| 2020-12 | 1 | charge-offs p90 | capital falling |
| 2021-03 | 0 |  | charge-offs p90 |
| 2021-06 | 0 |  |  |
| 2021-09 | 0 |  |  |
| 2021-12 | 0 |  |  |
| 2022-03 | 0 |  |  |
| 2022-06 | 1 | AOCI drag >20% of equity |  |
| 2022-09 | 3 | securities losses >30% of equity, construction >100% equity |  |
| 2022-12 | 3 |  |  |
| 2023-03 | 2 |  | AOCI drag >20% of equity |
| 2023-06 | 3 | capital falling |  |
| 2023-09 | 2 |  | capital falling |
| 2023-12 | 1 |  | securities losses >30% of equity |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 0 |  | construction >100% equity |
| 2024-12 | 0 |  |  |
| 2025-03 | 0 |  |  |
| 2025-06 | 0 |  |  |
| 2025-09 | 0 |  |  |
| 2025-12 | 1 | capital falling |  |
| 2026-03 | 0 |  | capital falling |
| 2026-06 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-09-09 [Enterprise Bank promotes 23-year banker to lead KC-area commercial lending - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxPZ1VYSTBSWGE3bjhkUUNiTGU2N21UNmZ0TkJtUmV5R3l6TzZSQTYtQUdLeE8xQy13RmViSHBLRDZvZ2FyVTVqUnBOd1JkdHF6SFVyQ0JmQUdldE5qZUNkWklHN1EtNnpMQ2dneWo0Vzg2MmNRREVKa2R6elUwUFY4N1VBMmduZFZmYkJhU1BnYkYxUmdMQ1RPNERyYUVJWmloVkVsM0x3ZmNRRUV0?oc=5) · The Business Journals
- 2026-08-07 [Emprise Bank Number of Employees 2026 | Employee Count & Headcount Data - reveliolabs.com](https://news.google.com/rss/articles/CBMibEFVX3lxTE9weEZDanNVM0IyQ3ViNXZSNVN5X1hIWG5KUDZXdGhneVdxX0VzWXlsVmxJNjdjVGZyQWhiTE4wRTNuME03b1ExMk1zNk55NmdUOERMd2xsU29fQU1wYlhjRU9xMTdUR1Q0SnRROA?oc=5) · reveliolabs.com
- 2025-10-27 [Emprise Bank Pavilion - MLB.com](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE9OSXc2aHpNTkN0MEdqZElKVEFGN2NxNmJ4M1ctTHp6T0p1clpVMThGbzA4Z1BFQTd5SWhfNkRZTTAzaWZveHJuUG8tUUo4UllDYk1iWEhUSGVCcVFDQ0tqTFd6dDRDZlU?oc=5) · MLB.com
- 2026-03-06 [2026 Capstone Awards - Architectural design: Emprise Bank in the Crossroads - The Business Journals](https://news.google.com/rss/articles/CBMipwFBVV95cUxQaDdYQ3NnS2ZuMnRNVWwzNzdHcklFZU1zeGx2RFVYcWdycWVRdUhneWlkOFdpQnRfV3o0aUs1WDc4ZWlDVzZpOHFfbDY4dVRPZ0ZLZHk3NmZqNV96alIzSlJUXzA1Tjc1cTJOdEphdnUxd191SWlEWGQ5UnFNRS1iMndvUld1Mkx0SUhjMVpmYWk1WG41LVlzY2o1MHYwcFRDbHAwbTNRRQ?oc=5) · The Business Journals
- 2026-03-06 [Emprise Bank - The Business Journals](https://news.google.com/rss/articles/CBMirAFBVV95cUxPNWhKcXFuOFJmMDExOEZINGJYSzFNS3JLdE1ScnNmbGhNSTRrYXRJdF9FdW51MUVjNk9fU2EtTnR4RHZzaW5jU01IVjk1SjNJYUFzQTVBQU5XOS1LSDJoTUgyNXZYTWJ2UHFrb1dzdmRhNHpSNU81d3dvY21xNGRGb1BzanFIYkZWcjhKYkpiQmtVSVRnb2NoQ0NZVXBQdDJMUWJsdUN0VFB5N3Ja?oc=5) · The Business Journals
- 2021-06-21 [Scott Shirkey – Emprise Bank - Blueprint Magazine](https://news.google.com/rss/articles/CBMicEFVX3lxTFBZak9uS2NfcGx3TU8ycFF3bEVwQ0NvOUdvNVUwWnU1cldTZGxYMkc5WlVsQmpqcDcydXVMUXdqbDhfa19VaHVBWjFoS3JoZVR0cVZyY0JYSXp1d0hlcVlGcElERER1d3RFamFYcmIycUQ?oc=5) · Blueprint Magazine
- 2024-12-23 [Wait a minute . . . was it a Wichitan who bought that $6.2 million banana duct-tape art? - kansas.com](https://news.google.com/rss/articles/CBMilgFBVV95cUxNdWNfYUQtbk9OX2FDTXBrMHRXcWVXVHRoUmxLZDFMWnFNWUN2d1NydFRFdjBlYkF0S2ZtUzdyTGNFWTNyazZnUkFTd0c1TnpRb2ZjbTJBQm5YMTY0UEVBb2gxbjJ5YzVHRzlKMUZJX0ViREdvMlFKb0RTZnVXUmFrWEhqaDZlTDZDNEJucHBsd01TQmNHWmfSAZYBQVVfeXFMT2F1cmdhR3JzTXU3MFdMYWp6MkdFRTdIbVdMQzRod2tWZ0UxRE16NnpUQ3FuYjA1MzlZbEJ0VzBfZDRMSXpjOWYwc3pkR1BiR0pQVDFQQzZTbWg0NFpacGFQVUtjbWQ4UWpual9NQTdqZDJtSDZySjVHWG5XemFnYXJOY0JqQW1QR1o0WjdKYWZGcTlhWml3?oc=5) · kansas.com
- 2023-09-27 [The Most Powerful Women in Banking Top Team: Emprise Bank - American Banker](https://news.google.com/rss/articles/CBMingFBVV95cUxQSERTSGR3M2ZLZVdPR0hrdFNoVTVlak5TS2RtYTZHY3Y3T2ZTMHlWVVo2cDBJREFOOTgtSW5vWWppNjJUd05jN2Z6TUt1VnhCOVNLN2c0djFETmlWWnB3NHBRcWVnOEVUaE1xOU9TNldLTk5FZS1EbUpzanM3TlVyNktCRGlRdmNxcjVuZG8yUHJmdHU0WmQxVk5JM09Odw?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4789 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/53.json (key "4789", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide