| Metric | Enterprise Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +4.9% | +4.0 pts |
| Deposit growth (YoY) | +9.2% | +4.3% | +4.8 pts |
| Loan growth (YoY) | +5.7% | +5.3% | +0.4 pts |
| ROA | 0.78% | 1.28% | -0.5 pts |
| ROE | 9.6% | 12.4% | -2.8 pts |
ROA ranks in the 18th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $524.6M | $415.7M | $358.3M | $42.0M | $2.0M | 0.78% | 3.12% | 6.76% |
| Q1 2026 | $507.4M | $398.4M | $359.3M | $41.3M | $1.1M | 0.88% | 3.25% | 7.06% |
| Q4 2025 | $491.7M | $389.6M | $336.9M | $40.7M | $4.5M | 0.94% | 3.57% | 7.92% |
| Q3 2025 | $502.8M | $400.5M | $338.9M | $40.1M | $3.7M | 1.03% | 3.64% | 7.09% |
| Q2 2025 | $481.5M | $380.7M | $338.9M | $39.1M | $2.1M | 0.89% | 3.19% | 5.40% |
| Q1 2025 | $468.6M | $367.7M | $328.0M | $37.6M | $602K | 0.51% | 3.25% | 5.91% |
| Q4 2024 | $467.0M | $359.7M | $326.4M | $38.9M | $4.3M | 0.98% | 3.38% | 6.09% |
| Q3 2024 | $445.2M | $342.1M | $330.4M | $37.0M | $2.2M | 0.69% | 3.23% | 4.37% |
Loan mix (Q2 2026): real estate $326.0M · commercial $32.3M · consumer $4K · securities $0
| Ratio | Enterprise Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.78% | 1.28% | 18th | |
Return on equity Annualized net income ÷ equity or net worth | 9.6% | 12.4% | 31th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.12% | 3.89% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 73.9% | 61.2% | 82th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Enterprise Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Enterprise Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Enterprise Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Enterprise Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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