Emprise Bank (FDIC certificate #4789) is based in Wichita, Kansas. Its Q2 2026 call report shows $2.8B in total assets and $2.5B in deposits and 32 offices across 2 states.
Based on its Q2 2026 filing, Emprise Bank scores 66/100, which we describe as moderate. That is higher than only 40% of 897 banks with $1 billion – $10 billion. Among 185 banks headquartered in Kansas, it ranks 145th. Its strongest component is problem-loan coverage (94/100; 3.2%), and its lowest is capital cushion (27/100; 7.69%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
The score has been essentially flat from Q2 2025 to Q2 2026 (65 → 66).
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 64 |
| Q3 2024 | 66 |
| Q4 2024 | 65 |
| Q1 2025 | 65 |
| Q2 2025 | 65 |
| Q3 2025 | 66 |
| Q4 2025 | 65 |
| Q1 2026 | 67 |
| Q2 2026 | 66 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.01% |
| Q3 2024 | 8.03% |
| Q4 2024 | 7.95% |
| Q1 2025 | 7.97% |
| Q2 2025 | 7.97% |
| Q3 2025 | 7.87% |
| Q4 2025 | 7.59% |
| Q1 2026 | 7.70% |
| Q2 2026 | 7.69% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.18% |
| Q3 2024 | 0.17% |
| Q4 2024 | 0.23% |
| Q1 2025 | 0.24% |
| Q2 2025 | 0.30% |
| Q3 2025 | 0.24% |
| Q4 2025 | 0.31% |
| Q1 2026 | 0.22% |
| Q2 2026 | 0.37% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.14% |
| Q3 2024 | 1.19% |
| Q4 2024 | 1.26% |
| Q1 2025 | 1.11% |
| Q2 2025 | 1.21% |
| Q3 2025 | 1.35% |
| Q4 2025 | 1.32% |
| Q1 2026 | 1.52% |
| Q2 2026 | 1.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 66 | $2.8B | 7.69% | 0.37% | 1.58% | 80.0% |
| Q1 2026 | 67 | $2.8B | 7.70% | 0.22% | 1.52% | 78.8% |
| Q4 2025 | 65 | $2.8B | 7.59% | 0.31% | 1.32% | 77.9% |
| Q3 2025 | 66 | $2.7B | 7.87% | 0.24% | 1.35% | 78.3% |
| Q2 2025 | 65 | $2.6B | 7.97% | 0.30% | 1.21% | 78.1% |
| Q1 2025 | 65 | $2.6B | 7.97% | 0.24% | 1.11% | 76.4% |
| Q4 2024 | 65 | $2.5B | 7.95% | 0.23% | 1.26% | 80.9% |
| Q3 2024 | 66 | $2.5B | 8.03% | 0.17% | 1.19% | 79.6% |
| Q2 2024 | 64 | $2.5B | 8.01% | 0.18% | 1.14% | 85.1% |
897 peers · $1 billion – $10 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Kansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| KS StateBankBank Manhattan, KS | 64 out of 100, Moderate | $2.6B | 13.0% | 2.49% | vs |
| Community National Bank & TrustBank Chanute, KS | 65 out of 100, Moderate | $2.5B | 9.0% | 0.80% | vs |
| Fidelity Bank, National AssociationBank Wichita, KS | 60 out of 100, Moderate | $3.3B | 10.0% | 0.75% | vs |
| Security Bank of Kansas CityBank Kansas City, KS | 85 out of 100, Very strong | $3.9B | 12.8% | 0.03% | vs |
| Landmark National BankBank Manhattan, KS | 62 out of 100, Moderate | $1.6B | 10.2% | 1.18% | vs |
| Peoples Bank and Trust CompanyBank Mcpherson, KS | 61 out of 100, Moderate | $1.6B | 9.3% | 0.92% | vs |
Deposit insurance
Is my money safe at Emprise Bank?
Yes. Emprise Bank is an FDIC-insured institution (FDIC certificate #4789). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 28.2% of deposits ($708.3M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 7.69%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 11.43% (benchmark: 10%).
32 locations
Branches
Emprise Bank lists 31 offices in 21 cities across 2 states. Most locations:
- Wichita, KS (11)
- Andover, KS (1)
- Augusta, KS (1)
- Chanute, KS (1)
- Clearwater, KS (1)
- Council Grove, KS (1)
- Derby, KS (1)
- El Dorado, KS (1)
- Eureka, KS (1)
- Goddard, KS (1)
- Hays, KS (1)
- Haysville, KS (1)
HMDA 2025
Mortgage lending
In 2025, Emprise Bank reported 1,061 home-loan applications under HMDA (LEI D32W5EBLENJC27207O81): 617 originated ($131,365,000 total), 340 denied, and 77 withdrawn or closed by the applicant. Its denial rate on decided applications was 34.6%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Emprise Bank
- Former names
- United American State Bank & Trust Company; United American Bank & Trust Company; Stockyards National Bank; The Union Stock Yards National Bank
- Type
- State-chartered bank
- FDIC certificate #
- 4789
- RSSD ID
- 65858
- Primary regulator
- FDIC
- Holding company
- Emprise Financial Corp
- Established
- May 21, 1910
- Headquarters
- 257 N Broadway Ave, Wichita, KS 67202
- Website
- www.emprisebank.com
- Employees
- 464
Quick answers
Emprise Bank: common questions
Is Emprise Bank FDIC insured?
Yes. Emprise Bank is an FDIC-insured institution (FDIC certificate #4789). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Emprise Bank's TellerScore?
66 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Emprise Bank ever failed?
There is no failure record for FDIC certificate #4789 in the FDIC failed bank list.
How many branches does Emprise Bank have?
32 offices as of the latest FDIC data, in 2 states.
Nearby
Highest-scoring banks and credit unions with branches near Wichita
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Garden Plain State BankBank Wichita, KS | 88 out of 100, Very strong | $191.5M | 15.2% | 0.94% | vs |
| The City National Bank and Trust Company of Lawton, OklahomaBank Lawton, OK | 83 out of 100, Strong | $446.2M | 13.9% | 0.45% | vs |
| Central National BankBank Junction City, KS | 78 out of 100, Strong | $1.4B | 11.0% | 0.01% | vs |
| Vintage Bank KansasBank Leon, KS | 78 out of 100, Strong | $288.6M | 11.6% | 0.53% | vs |
| The Valley State BankBank Belle Plaine, KS | 78 out of 100, Strong | $200.5M | 12.2% | 0.09% | vs |
| The First National Bank of HutchinsonBank Hutchinson, KS | 78 out of 100, Strong | $1.2B | 11.5% | 0.33% | vs |