This institution is no longer active

Operations ceased on May 13, 2005. CRA examination history below reflects the period it was active.

EMPRISE BANK

IOLA, KS · Supervised by FDIC

Est. 1885FDIC #14,463RSSD: FDIC-14463

Part ofEMPRISE FINANCIAL CORP→ View all charters

Satisfactory Same

Current rating · Exam: July 2002

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 2.21%

Is this bank safe?

EMPRISE BANK holds a Satisfactory CRA rating (2002), and is financially strong (ROA +2.21%).

Institution Profile

FDIC BankFind

Address

1 West Madison Street, IOLA, KS

County

Allen County

Established

December 31, 1885

Total Assets

$91M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

July 1, 2002

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 23 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.

Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2005Call Report / FDIC

Total Assets

$91M

Total Deposits

$79M

Net Loans

$72M

Net Income

$517K

ROA

2.21%

Above avg for Small banks. Peer avg: 0.44%

ROE

19.88%

Risk-Based Capital

12.62%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA2.21%Peer avg: 0.44%▲ Above avg

Risk-Based Capital12.62%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate31.33%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	1,079	58.39%	31.33%
2020	1,405	70.46%	17.37%
2019	1,352	69.97%	17.90%
2018	1,418	67.77%	20.52%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

Exam Date	Rating	Exam Type
Jul 2002	Satisfactory	Small Bank
Jul 1997	Satisfactory	Small Bank
Sep 1994	Satisfactory	Not Reported

1 previous rating locked — back to 1992

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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