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Overview / Commentary
1800 South Glenstone
Springfield, MO 65804

Empire Bank is headquartered in Springfield and is the 23rd largest bank in the state of Missouri. It is also the 644th largest bank in the nation. It was established in 1956 and as of December of 2013, it had grown to 253 employees at 22 locations. Empire Bank has a B+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Empire Bank had $6.43 million in non-current loans and owned real-estate with $110.62 million in equity and loan loss allowances on hand to cover it. This gives Empire Bank a Texas Ratio of 5.82% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Empire Bank decreased dramatically from 12.25% as of December 31, 2012 to 5.82% as of December 31, 2013, resulting in a positive change of 52.54%.This indicates that the balance sheet and financial strength for Empire Bank has improved dramatically in recent periods.

Deposit Growth


In the past year, Empire Bank has decreased its total deposits by -$51.56 million, resulting in -6.1% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Empire Bank has shown is below average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Empire Bank has $1.03 billion in assets with $110.62 million in equity, resulting in a capitalization level of 10.78%, which is above average.

Institution Statistics

FDIC Certificate #17633
Year Established1956
Primary RegulatorFDIC
Assets and Liabilities
Assets$1.03 billion
Loans$816.10 million
Deposits$794.31 million
Equity Capital$95.16 million
Loan Loss Allowance$15.46 million
Unbacked Noncurrent Loans$1.88 million
Real Estate Owned$4.55 million
Historic Data - December 2012
Assets$1.05 billion
Equity Capital$95.93 million
Loan Loss Allowance$14.67 million
Unbacked Noncurrent Loans$1.88 million
Real Estate Owned$7.16 million
Profit Margin - Quarterly
Net Interest Margin4.06%
Return on Assets1.22%
Return on Equity13.48%
Interest Income$43.34 million

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Empire Bank has 22 locations. Click to view all Empire Bank locations.