Enterprise Bank & Trust
Total assets
$17.36B
▲ +8.2% YoY
Deposits
$14.73B
▲ +9.5% YoY
Loans
$11.75B
▲ +4.4% YoY
Offices
57
ENTERPRISE FINL SERVICES CORP
ROA (annualized)
1.11%
peers 1.23%
ROE (annualized)
9.48%
peers 11.23%
Peer comparison 160 banks with 10B+ in assets
| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.2% | +5.9% | +2.3 pts |
| Deposit growth (YoY) | +9.5% | +5.7% | +3.8 pts |
| Loan growth (YoY) | +4.3% | +6.9% | -2.6 pts |
| ROA | 1.11% | 1.23% | -0.1 pts |
| ROE | 9.5% | 11.2% | -1.8 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
Profile
- Established
- 1988
- Charter
- State
- Primary regulator
- FED
- Holding company
- ENTERPRISE FINL SERVICES CORP
- Specialization
- Commercial Lending Specialization
- Address
- 150 N Meramec Ave, Clayton, MO, 63105
- County
- St. Louis
- Metro area
- St. Louis, MO-IL
- Offices
- 57
- FDIC cert #
- 27237
- RSSD ID
- 1190476
- Latest call report
- Q2 2026
Total assets last 8 quarters
Deposits last 8 quarters
Quarterly financials FDIC call report
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $17.36B | $14.73B | $11.75B | $2.04B | $95.7M | 1.11% | 4.29% | 1.16% |
| Q1 2026 | $17.20B | $14.66B | $11.55B | $2.01B | $51.7M | 1.20% | 4.26% | 1.03% |
| Q4 2025 | $17.27B | $14.76B | $11.66B | $2.01B | $208.3M | 1.29% | 4.27% | 1.12% |
| Q3 2025 | $16.38B | $13.71B | $11.43B | $1.96B | $154.3M | 1.29% | 4.24% | 1.03% |
| Q2 2025 | $16.05B | $13.45B | $11.26B | $1.91B | $107.0M | 1.36% | 4.21% | 0.88% |
| Q1 2025 | $15.65B | $13.16B | $11.16B | $1.87B | $53.0M | 1.36% | 4.17% | 0.87% |
| Q4 2024 | $15.57B | $13.28B | $11.08B | $1.82B | $197.3M | 1.33% | 4.22% | 0.44% |
| Q3 2024 | $14.92B | $12.59B | $10.94B | $1.83B | $145.4M | 1.32% | 4.23% | 0.30% |
Loan mix (Q2 2026): real estate $6.56B · commercial $4.51B · consumer $52.9M · securities $3.84B
Ratio pack Q2 2026 · peer medians from 160 institutions
Profitability
| Ratio | Enterprise Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.11% | 1.23% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 9.5% | 11.3% | 33th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.29% | 3.55% | 86th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 60.3% | 54.9% | 74th | |
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% |
Balance sheet
| Ratio | Enterprise Bank & Trust | 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% |
Capital
| Ratio | Enterprise Bank & Trust | 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% |
Credit quality
| Ratio | Enterprise Bank & Trust | 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% |
Franchise
| Ratio | Enterprise Bank & Trust | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
11 more ratios, with trends and peer percentiles.
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