| Metric | Emprise Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.8% | +5.5% | +3.3 pts |
| Deposit growth (YoY) | +5.5% | +5.1% | +0.5 pts |
| Loan growth (YoY) | +8.1% | +5.9% | +2.2 pts |
| ROA | 1.58% | 1.26% | +0.3 pts |
| ROE | 21.0% | 12.2% | +8.8 pts |
ROA ranks in the 72nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.82B | $2.51B | $2.01B | $211.8M | $21.9M | 1.58% | 4.03% | 0.27% |
| Q1 2026 | $2.77B | $2.50B | $1.97B | $207.4M | $10.5M | 1.52% | 4.00% | 0.19% |
| Q4 2025 | $2.75B | $2.48B | $1.93B | $206.8M | $34.6M | 1.32% | 3.78% | 0.22% |
| Q3 2025 | $2.68B | $2.41B | $1.89B | $204.0M | $26.3M | 1.35% | 3.72% | 0.19% |
| Q2 2025 | $2.59B | $2.38B | $1.86B | $197.1M | $15.6M | 1.21% | 3.68% | 0.25% |
| Q1 2025 | $2.59B | $2.38B | $1.82B | $191.6M | $7.1M | 1.11% | 3.59% | 0.18% |
| Q4 2024 | $2.51B | $2.27B | $1.84B | $185.9M | $31.7M | 1.26% | 3.61% | 0.18% |
| Q3 2024 | $2.54B | $2.26B | $1.80B | $199.9M | $22.5M | 1.19% | 3.60% | 0.14% |
Loan mix (Q2 2026): real estate $1.60B · commercial $273.7M · consumer $62.9M · securities $560.8M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Emprise Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.58% | 1.26% | 72th | |
Return on equity Annualized net income ÷ equity or net worth | 21.0% | 12.2% | 92th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.03% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 61.1% | 59.0% | 57th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Emprise Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Emprise Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Emprise Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Emprise Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.