Emprise Bank

What Emprise Bank does

Emprise Bank is a privately held community bank founded in 1910 and headquartered in Wichita, Kansas, operating a multi-channel retail and commercial banking franchise across Kansas and Missouri. The company serves individual consumers (including students aged 10-23), small and medium businesses, and specialized verticals such as medical practices and agribusiness, through 30+ physical branches and a 55,000+ surcharge-free ATM network. Its core product portfolio spans consumer deposits (checking variants, savings, money market, CDs), consumer lending (mortgages, auto, HELOCs, home equity, personal loans, CashPlease short-term credit, 1 & Done construction loans), business banking (checking, savings, SBA loans, business loans, real estate loans, cash management, merchant card acceptance), and wealth management (planning, investments, trust and estate, investor services, private banking, legacy planning). The bank also operates an Embedded Banking Banking-as-a-Service platform that exposes its deposit, payment, and lending products to third-party applications.

Underlying technology includes a digital banking platform supporting online and mobile account access, online account opening, iPay-powered bill pay, the My Insights account aggregation service, and Card Suite Lite for real-time debit card controls and alerts. The platform is integrated with social and content channels (Knowledge Center, financial calculators, Banking Academy at learn.emprisebank.com) supporting top-of-funnel acquisition and customer education. The bank is FDIC insured and operates as an Equal Housing Lender.

Emprise's revenue model is a standard community-bank net interest income model supplemented by transaction and service fees. The primary earnings driver is the spread between interest earned on its loan portfolio (mortgages, auto, HELOCs, home equity, personal loans, business, SBA, and commercial real estate loans) and interest paid on deposits. Supplementary revenue streams include interchange on debit card transactions, $32 per-usage overdraft and NSF fees (capped at five per day), wire and other service fees, and ATM-related fees. Customer acquisition combines physical branches, digital-first online account opening, content marketing (Knowledge Center, calculators, Banking Academy), and a Refer-a-Friend program that pays $50 per qualified referral up to $500 per year. Mass-market pricing is fee-light (no monthly service fees on most accounts, fee waivers with balance thresholds) with rewards tied to monthly qualification cadence.

Name

Emprise Bank

Legal name

Emprise Bank

Website

https://emprisebank.com

Company type

Private

Founded year

1910

Operating status

Operating

Headcount range

251–500 employees

Short description

Emprise Bank is a privately held community bank founded in 1910 in Wichita, Kansas, serving individual consumers, students, small and medium businesses, and medical and agricultural clients across Kansas and Missouri through 30+ branches and digital banking channels.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211), Depository Credit Intermediation (5221)

SIC

National Commercial Banks (6021), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

Agricultural & Rural Development Banks (FSABAKAE), Embedded Deposit Accounts & Digital Wallet Infrastructure (FSAGALAE), SME Lending Platforms & Embedded SME Credit (FSAKAGAJ)

Keywords

• Community banking
• Commercial lending
• Retail deposits
• Wealth management
• Small business banking

Headquarters

HQ city

Wichita

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Net Interest Income: Interest income generated from lending activities including mortgages, auto loans, home equity loans, personal loans, business loans, and SBA loans. Interest is paid on deposits and earned on loan portfolios.
2. Overdraft and NSF Fees: Discretionary overdraft service with $32 per usage charge for overdraft privilege coverage. No service fee unless the service is used. Maximum 5 charges per day. Also includes non-sufficient funds fees.
3. Service and Maintenance Fees: Various account service fees including monthly maintenance fees (waived with average daily balance thresholds), wire transfer fees, and other transaction-based charges.
4. Interchange Revenue: Transaction fees earned on debit card purchases. Cash Back Checking rewards 2% cash back on debit transactions up to $6 per month, partially offset by interchange income on qualifying purchases.
5. ATM and Card Fees: Fees related to ATM usage outside the surcharge-free network and card replacement fees. Non-network ATM fee refunds provided up to $25/month for qualifying accounts.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels6 records

Core offering

Emprise Bank is a community bank that accepts consumer and business deposits and originates loans, including mortgages, auto loans, home equity products, personal loans, business loans, SBA loans, real estate loans, and agribusiness financing. It also delivers fee-based wealth management services (financial planning, investment advisory, trust and estate administration, private banking, and legacy planning), treasury and merchant services for businesses, and supports customers through digital banking, bill pay, account aggregation, and an embedded banking-as-a-service platform.

Product overview

Emprise Bank is a community bank serving Kansas and Missouri with 31+ branches and 55,000+ surcharge-free ATMs, offering a comprehensive retail and commercial banking platform. The product portfolio spans consumer banking (checking, savings, credit cards, mortgages, consumer lending), business banking (commercial loans, SBA loans, cash management, merchant services), wealth management (investment services, trust, estate, private banking), and digital banking services. Key consumer checking products include Student Checking (ages 10-23), Cash Back Checking (2% cash back on debit), and High Interest Checking (up to 3.50% APY). Savings products include Regular Savings (0.15% APY), Youth Savings (under 24), Savings Plus (linked high-yield savings up to 2.50% APY), Money Market (1.40-2.05% APY tiered), and CDs. Lending products include mortgages, auto loans, HELOCs, home equity loans, personal loans, CashPlease, and construction loans. Business offerings include specialized industry solutions for Medical, Agribusiness, and Small Business, plus Embedded Banking platform for BaaS. Digital tools include Mobile Banking app, My Insights aggregation, Card Suite Lite fraud protection, Bill Pay via iPay, eStatements, and 40+ financial calculators.

Differentiator

Problem solved

Functional benefit

Brands

• CashPlease: Personal loan product offered by Emprise Bank
• Banking Academy
• MyInsights
• Card Suite Lite
• 1 & Done Construction Loans

Products and services

• Student Checking Account Beginner-friendly checking account for customers ages 10-23 with no monthly maintenance fees and no overdraft fees, providing debit card access and surcharge-free ATM usage; designed for students learning money management.
• Cash Back Checking Debit card rewards checking account that earns 2% cash back on qualifying debit purchases up to $6 per month and refunds domestic non-network ATM fees up to $25 per month when monthly qualifications are met.
• High Interest Checking Interest-earning checking account paying 3.50% APY on balances up to $10,000 (and 0.35% APY above $10,000) when monthly qualifications are met, with domestic ATM fee refunds up to $25 per month.
• Regular Savings Interest-bearing savings account earning 0.15% APY on all balances with automatic transfer capabilities from linked checking accounts.
• Youth Savings Savings account for customers under age 24 that earns interest on balances with no monthly service fee and a $25 minimum deposit to open; transitions to Regular Savings at age 24.
• Savings Plus High-yield savings account linked to Cash Back or High Interest Checking that earns up to 2.50% APY on balances up to $50,000 when qualifications are met.
• Money Market Account Tiered-rate money market account with variable APY from 1.40% to 2.05% depending on balance, offering limited check writing and unlimited ATM withdrawals.
• Certificates of Deposit (CDs) Fixed-rate certificates of deposit offering competitive interest rates with a variety of term options and guaranteed returns until maturity, with automatic renewal at maturity.
• Mortgages Home mortgage loans for purchasing or refinancing residential properties with various term options.
• Auto Loans Vehicle financing loans for purchasing new or used automobiles with competitive rates.
• Home Equity Lines of Credit (HELOC) Revolving credit lines secured by home equity with rates typically lower than credit cards or personal loans, offering flexible access to funds.
• Home Equity Loans Fixed-rate loans using home equity for goals like home renovations, debt consolidation, or major purchases.
• Personal Loans Unsecured personal loans for various purposes including debt consolidation, home improvements, or major purchases.
• CashPlease Short-term loan or credit service offering quick access to cash for unexpected expenses.
• 1 & Done Construction Loans Single-close construction-to-permanent loan financing for home building or major renovation projects.
• Planning & Investments Financial planning and investment advisory services to help customers achieve long-term financial goals.
• Trust & Estate Services Estate planning services including trust administration and estate settlement for wealth transfer to beneficiaries.
• Investor Services Investment management and brokerage services for individual investors.
• Private Banking Premium banking services for high-net-worth individuals with personalized financial solutions and dedicated bankers.
• Legacy Planning with Paige Wealth transfer and legacy planning service with dedicated advisor Paige for estate and succession planning.
• Business Checking Commercial checking accounts for businesses with various features including digital banking access and cash management tools.
• Business Savings Business savings accounts for depositing and growing business funds with competitive interest rates.
• Business Credit Cards Credit card solutions designed for business spending with expense management and rewards features.
• Business Digital Banking Online banking platform for businesses including eBusiness Access with account management, reporting, and transaction capabilities.
• Business Loans Commercial lending solutions including term loans and lines of credit for business operations, equipment, and growth.
• SBA Loans Small Business Administration loans including SBA 7(a) and 504 programs for qualified small business borrowers.
• Real Estate Loans Commercial real estate financing for purchasing, refinancing, or developing commercial properties.
• Medical Practice Solutions Specialized banking services and financing for medical practices including equipment loans and working capital.
• Agribusiness Solutions Agricultural banking services including farm loans, operating lines of credit, and equipment financing for farming operations.
• Small Business Solutions Banking products and services tailored for small business needs including simplified account options and business advisory.
• Cash Management Treasury management services for businesses including payables, receivables, and liquidity management solutions.
• Card Acceptance Merchant card processing services enabling businesses to accept credit and debit card payments.
• Embedded Banking Banking-as-a-Service platform allowing third-party businesses to embed Emprise Bank accounts, payments, and lending products into their own applications.
• Digital Banking Online and mobile banking platform providing account access, fund transfers, bill payment through iPay, mobile banking app access, and My Insights personal finance aggregation service.

Quantifiable outcome

• 3.50% APY available on High Interest Checking balances up to $10,000 with qualifications met
• +2 more outcomes

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

Feature5 records

Scale indicators3 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Equity Bank: Equity Bank is a Kansas-headquartered community bank that has grown aggressively through acquisition across Kansas, Missouri, Oklahoma, Arkansas, and Nebraska. It is highly comparable to Emprise as a Kansas-rooted community bank pursuing broader regional expansion.
• Fidelity Bank (Wichita): Fidelity Bank is a Wichita-based community bank providing personal and business banking, mortgages, and wealth services. It directly competes with Emprise for retail and small business relationships in the Wichita metro.
• Intrust Bank: Intrust Bank is a Kansas-based community bank also headquartered in Wichita, offering consumer and commercial banking, wealth management, and treasury services. It is the most direct geographic and product-line competitor to Emprise Bank in the Wichita market.

Regional players

• Simmons Bank: Simmons Bank is an Arkansas-based regional bank with consumer, commercial, and wealth services across several Midwestern and Southern states. Comparable to Emprise in community banking model, agribusiness exposure, and digital transformation efforts.
• UMB Bank: UMB Financial is a regional bank holding company headquartered in Kansas City with consumer, commercial, and asset management services across multiple states. It competes with Emprise in the Kansas/Missouri corridor and offers a broader wealth management franchise.
• Commerce Bank: Commerce Bank is a Kansas City-based regional bank serving Kansas, Missouri, and surrounding states with consumer, commercial, and wealth services. It overlaps Emprise's Missouri footprint and competes for the same regional SMB and consumer customers.
• BOK Financial: BOK Financial is a Tulsa-based regional financial holding company operating BOK Bank and other brands across several Midwestern and Southwestern states. Comparable to Emprise in commercial lending, treasury services, and wealth management, with a larger geographic footprint.

Broad incumbents

• Wells Fargo: Wells Fargo is a national full-service bank with extensive consumer and commercial banking operations. It competes head-to-head with Emprise for retail and small business customers in Kansas and Missouri, offering larger scale and broader product set.
• Bank of America: Bank of America is a national full-service bank with consumer, commercial, and wealth offerings. It competes with Emprise for primary banking relationships in the Wichita market and sets benchmark deposit and lending pricing.

Emerging players

• Treasury Prime: Treasury Prime is a banking-as-a-service infrastructure provider that connects fintechs and software platforms with bank partners, including community banks. It is comparable to Emprise's Embedded Banking offering as a competitor or partner shaping the BaaS landscape.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/emprisebank
• YouTubeyoutube.com/channel/UC2qknpE4q85TenUdHYgnoUQ
• Facebookfacebook.com/Emprise.Bank
• LinkedInlinkedin.com/company/emprise
• Instagraminstagram.com/emprise_bank

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Emprise Bank