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This institution is no longer active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

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

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%

ROE

19.88%

Risk-Based Capital

12.62%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

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

Unlock peer list → See which specific banks are in this peer group.

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,07958.39%31.33%
20231,11160.13%28.98%
20221,12362.42%24.84%
20211,16063.71%23.71%
20201,40570.46%17.37%
20191,35269.97%17.90%
20181,41867.77%20.52%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

3 previous ratings locked — dating 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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