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Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Kansas, the state note

Emprise Bank

Wichita, Kansas · $2.82B in assets · beside the 11 other Kansas banks between $1B and $3B

The filing

44.9%
CRE / loans
12th of 12
379.6%
CRE / capital
12th of 12
7.5%
Equity / assets
10th of 12

Emprise Bank is the largest of the 12 Kansas banks nearest its size between $1B and $3B, with $2.82B in assets at 30 June 2026. Loans are 80.9% of deposits, 7th of 12 against a median of 79.0%, and equity is 7.5% of assets, 10th of 12. Loans grew +8.3% in the year, 4th of 12, and deposits grew 5.5%; the cohort's median loan growth is +4.8%.

Noncurrent loans are 0.37% of the book, 5th of 12 against a median of 0.86%; 0.63% is 30 to 89 days past due, and the allowance covers them 3.2 times. Commercial real estate is 44.9% of loans, the highest in the cohort against a median of 31.5%, and 380% of capital, above the 300% screen, with construction at 69% against the 100% screen.

Return on assets is 1.55%, 6th of 12 against a median of 1.48%, on an efficiency ratio of 61.1%, 5th of 12. Five years ago it was 1.13%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 9.7% of loans).

Commercial real estate, share of loansKS banks $1B to $3B · 30 June 2026 · lower is stronger, listed first
median 31.5% BS Bennington State Bank 17.7% CN Community National Bank & Trust 19.3% LN Landmark National Bank 19.6% KS KS Statebank 22.4% PB Peoples Bank & Trust Co. 28.1% CN Central National Bank 29.8% Bo Bank of Labor 33.1% AF Armed Forces Bank N.A. 34.4% NB NBKC Bank 36.6% CB Corefirst Bank & Trust 37.1% FN First National Bank of Hutchinson 40.1% EB Emprise Bank 44.9%
Loans, year over yearKS banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +4.8% BS Bennington State Bank +15.6% CN Community National Bank & Trust +11.1% NB NBKC Bank +10.1% EB Emprise Bank +8.3% Bo Bank of Labor +7.0% CB Corefirst Bank & Trust +6.3% PB Peoples Bank & Trust Co. +3.4% CN Central National Bank +3.1% KS KS Statebank +0.7% FN First National Bank of Hutchinson -0.2% LN Landmark National Bank -1.4% AF Armed Forces Bank N.A. -5.5%

SBA 7(a), FY2008 to FY2026

Emprise Bank is the 9th largest 7(a) lender into Kansas of 343, with $94M across 280 loans, 2.9% of everything approved in the state (Live Oak Banking Company leads with $155M). 14 of its 36 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Kansas, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Sedgwick, KS$71M1st of 12812.7%-0.3 pts
Douglas, NE$22M9th of 1452.5%+11.7 pts
Sarpy, NE$7M10th of 703.1%thin
Butler, KS$6M2nd of 4911.0%-13.8 pts
Jackson, MO$4M50th of 1830.4%+0.1 pts
Johnson, KS$4M65th of 1850.3%+0.2 pts
Ellis, KS$3M4th of 214.9%quiet FY2021
Lancaster, NE$2M31st of 830.6%quiet FY2022
Mcpherson, KS$2M5th of 149.9%+10.4 pts
Nemaha, KS$2M1st of 1028.0%thin
Dodge, NE$2M9th of 363.8%thin
Wyandotte, KS$2M29th of 720.8%thin
Clay, MO$2M45th of 1070.6%+0.4 pts
23 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Construction52$29M21.0%0.09%177th of 2,063
Accommodation & food services50$16M11.8%0.02%430th of 2,596
Manufacturing31$16M11.5%0.04%346th of 2,246
Retail trade35$15M10.7%0.02%387th of 2,589
Health care & social assistance45$14M10.3%0.03%320th of 2,172
7(a) lenders into Kansas, share of approvals since FY2008343 lenders on record; the ten largest and Emprise Bank
LO Live Oak Banking Company 4.8% $155M · 129 loans EB Equity Bank 3.7% $119M · 219 loans FB First Business Bank 3.7% $119M · 183 loans UB U.S. Bank, National Association 3.6% $115M · 503 loans IB Intrust Bank National Association 3.6% $114M · 498 loans UB UMB Bank, National Association 3.3% $105M · 384 loans WF Wells Fargo Bank National Associa… 3.2% $102M · 189 loans OB Oakstar Bank 3.1% $99M · 117 loans EB Emprise Bank 2.9% $94M · 280 loans BB Busey Bank 2.6% $84M · 115 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 2 CBLR filers; owner-occupied excluded; bold marks a screen met
Emprise BankRankCohort median
Total CRE against capital, the 300% screen380%12th of 12142%
Construction against capital, the 100% screen69%12th of 1242%
Construction and land development, share of loans8.1%10th of 126.8%
Non-owner-occupied nonfarm nonresidential, share of loans28.5%10th of 1217.2%
Total CRE, the guidance definition, share of loans44.9%12th of 1231.5%
CRE growth over 36 months, the third prong+34.6%9th of 12+18.4%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
Emprise Bank$2.82B1.6%61.1%0.37%0.08%1.2%80.9%7.5%
KS Statebank$2.60B2.0%38.8%2.49%0.03%1.9%94.6%13.2%
Community National Bank & Trust$2.53B1.1%63.8%0.80%0.05%1.2%76.8%8.9%
Landmark National Bank$1.60B1.3%62.3%1.18%0.14%1.1%84.3%11.6%
Peoples Bank & Trust Co.$1.59B0.8%54.9%0.92%0.61%1.7%77.0%9.4%
Armed Forces Bank N.A.$1.42B1.7%65.6%1.21%0.42%1.6%60.3%12.9%
Bennington State Bank$1.42B2.4%43.0%0.29%0.01%2.0%73.6%9.2%
Central National Bank$1.39B1.3%63.9%0.01%0.15%1.8%66.7%10.1%
Corefirst Bank & Trust$1.26B1.6%64.3%0.21%0.09%1.0%83.9%6.1%
NBKC Bank$1.24B2.2%77.2%1.45%0.04%1.3%91.0%16.8%
First National Bank of Hutchinson$1.21B1.4%60.4%0.33%0.05%1.4%85.2%10.6%
Bank of Labor$1.11B0.9%69.3%3.15%-0.01%1.4%35.1%4.6%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Emprise BankCohort median
20212026Change20212026Change
Loans$1.34B$2.03B+51%$596M$909M+52%
Deposits$2.13B$2.51B+18%$978M$1.22B+25%
NPA / loans0.28%0.37%+0.09 pts0.75%0.86%+0.11 pts
Efficiency66.4%61.1%-5.4 pts65.4%63.1%-2.3 pts
ROA1.13%1.55%+0.42 pts1.36%1.48%+0.12 pts

This read was prepared for Emprise Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Emprise Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort KS banks $1B to $3B
Institution www.emprisebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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