Enterprise Bank of South Carolina
Ehrhardt, SC · Cert 11539 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · Varn Financial Corp.
State charter, non-member · FDIC · 12 branches
Q2 2026
$535.1MAssets
$293.9MLoans
$472.2MDeposits
$48.7MEquity
Executive Summary
- Strongest standing: return on equity outperforms 100% of banks under $1B in assets operating in a single state (rank 2 of 752).
- Widest gap: nonperforming loans / loans trails 97% of banks under $1B in assets operating in a single state (rank 724 of 748).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
5.99%
Rank 6 of 752
Net Interest Margin
3.48%
Rank 465 of 752
Efficiency Ratio
36.69%
Rank 17 of 752
Equity / Assets
9.10%
Rank 550 of 752
Non-interest income vs. expense
Favorable gap of $7.5M · efficiency ratio beats 98% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 5.99% | 0.72% | 1.07% | 1.45% | Beats 99% | 6 / 752 | |
| Return on Equity | 65.81% | 6.78% | 10.58% | 13.65% | Beats 100% | 2 / 752 | |
| Net Interest Margin | 3.48% | 3.18% | 3.69% | 4.17% | Beats 38% | 465 / 752 | |
| Efficiency Ratio | 36.69% | 55.75% | 64.49% | 75.47% | Beats 98% | 17 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.64% | 0.09% | 0.42% | 1.03% | Beats 3% | 724 / 748 | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.01% | 0.05% | Beats 22% | 584 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 15.47% | 11.55% | 13.75% | 17.60% | Beats 65% | 260 / 752 | |
| Total Risk-Based Capital Ratio | 16.13% | 11.70% | 14.33% | 18.47% | Beats 65% | 266 / 752 | |
| Equity / Assets | 9.10% | 8.93% | 10.56% | 13.13% | Beats 27% | 550 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 62.23% | 62.23% | 78.64% | 91.26% | 25th pctl | 564 / 752 | |
| Loans / Assets | 54.91% | 54.61% | 67.41% | 76.47% | 26th pctl | 558 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |