Emprise Bank: SBA Lending Record

Emprise Bank: loans and programs

$127.6 million gross sits in 281 approved loans tied to Emprise Bank, FY2017 to FY2026. The guarantee on 281 loans of Emprise Bank is SBA's alone. Counts for Emprise Bank describe records only. These 281 loans are ones that SBA shows Emprise Bank holding, now or before. All 281 loans at Emprise Bank are 7(a); 0 are 504. KS is the lender state SBA records for Emprise Bank.

Asset classes and states in the Emprise Bank book

The followed classes leave 183 of Emprise Bank's 281 loans unclassified. Across tracked classes, Emprise Bank runs: Full-service restaurant (19), Dental office (10), Veterinary clinic (9), Beauty salon (8), Automotive mechanical repair (car and truck) (7), Child care center (7), Nonresidential lessor (flex, office and retail investor buildings) (6), Medical office (physicians) (6), Fitness center (6), Limited-service restaurant (5), Coffee shop and snack bar (5). A buyer planning Full-service restaurant will find 19 loans on the record of Emprise Bank. Emprise Bank shows 10 loans in Dental office, the next class. Veterinary clinic comes third at Emprise Bank, with 9 loans. Nebraska follows with 52 loans in the Emprise Bank record. The state column for Emprise Bank opens Kansas (208), Nebraska (52). KS is the lender state; Kansas shows the most loans, 208.

Emprise Bank: cancellations and losses

For Emprise Bank approvals from FY2017 to FY2024, 10.3% are known cancelled, a floor. The ceiling for Emprise Bank is held back under a Loan Analytics rule requiring 30 loans, and the missing rate should never be read as nil. The charge-off floor for FY2017 to FY2021 stays withheld at Emprise Bank, with fewer than 30 loans qualifying; blank is not zero. Every rate for Emprise Bank is a floor, and so later charge-offs inside the group would raise it.

Using the Emprise Bank record in a study

Full-service restaurant at Emprise Bank starts with a demand test. A study of Dental office also weighs cost; Emprise Bank shows 10 loans there. Coverage of debt service comes next, and $127.6 million across 281 loans at Emprise Bank never settles the question for a borrower. An appraisal still has to be done, and 9 Veterinary clinic loans at Emprise Bank can not stand in for one. A borrower in Kansas will see 208 loans in the Emprise Bank record, and one in Nebraska, 52. Emprise Bank alone decides what it expects. Nothing promises approval, and Emprise Bank sets its own terms.