Emprise Bank (FDIC #4789): Bank Stress & Real-Estate Credit Exposure
Emprise Bank (FDIC Cert #4789): bank stress 68/100, elevated, STABLE over 7 days; parent EMPRISE FINANCIAL CORP.
Emprise Bank (#4789) lends in 11 counties across 2 states; Emprise Bank (#4789) reaches 215 ZIP codes: Kansas 10 counties, 157 ZIPs; Missouri 1 county, 58 ZIPs.
Emprise Bank (#4789) largest markets: Jackson County, MO (58 branches, 58 ZIPs) (#4789), Sedgwick County, KS (936 branches, 52 ZIPs) (#4789), Butler County, KS (80 branches, 20 ZIPs) (#4789), Marion County, KS (19 branches, 19 ZIPs) (#4789), Mcpherson County, KS (13 branches, 13 ZIPs) (#4789), Allen County, KS (24 branches, 12 ZIPs) (#4789).
Emprise Bank (#4789) reports $2.82 billion in total assets; Emprise Bank (#4789) equity $211.8 million (7.5% of Emprise Bank (#4789) assets); Emprise Bank (#4789) domestic deposits $2.51 billion; Emprise Bank (#4789) net income $21.9 million; Emprise Bank (#4789) return on assets 1.58%; Emprise Bank (#4789) return on equity 21.01%; Emprise Bank (#4789) net interest income $53.2 million; Emprise Bank (#4789) call report June 30, 2026.
Emprise Bank (#4789) noncurrent real-estate loans: none reported; Emprise Bank (#4789) residential -0.01%; Emprise Bank (#4789) net charge-offs on real estate 0.29%; Emprise Bank (#4789) residential charge-offs 0.05%.
Emprise Bank (#4789) net interest margin 4.03% against an eight-quarter Emprise Bank (#4789) average of 3.75% (Emprise Bank (#4789) compression -0.28 points); Emprise Bank (#4789) non-residential real estate 4.7% of equity; Emprise Bank (#4789) rate-exposure score 40/100, Emprise Bank (#4789) fixed-rate trap 40/100; Emprise Bank (#4789) risk type credit driven; Emprise Bank (#4789) rate regime rates elevated, Emprise Bank (#4789) snapshot October 20, 2026.
Emprise Bank (#4789) stress score moved from 67.7 on June 22, 2026 to 67.8 on October 20, 2026; Emprise Bank (#4789) ranged 67.7 to 67.8 over 117 snapshots.
Emprise Bank (#4789) alerts: 11 counties; top Emprise Bank (#4789) alert scores: Mcpherson County, KS 36 (moderate); Wichita County, KS 30 (low); Chanute County, KS 24 (low); Council Grove County, KS 24 (low); Eureka County, KS 24 (low).