Enterprise Bank of South Carolina
Ehrhardt, SC · Cert 11539 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 1 of 746).
- Widest gap: nonperforming loans / loans trails 97% of banks under $1B in assets operating in a single state (rank 719 of 743).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
5.99%
Rank 4 of 746
Net Interest Margin
3.48%
Rank 460 of 746
Efficiency Ratio
36.69%
Rank 13 of 746
Equity / Assets
9.10%
Rank 539 of 746
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 5.99% | 0.72% | 1.06% | 1.45% | Beats 99% | 4 / 746 | | |
| Return on Equity | 65.81% | 6.74% | 10.51% | 13.63% | Beats 100% | 1 / 746 | | |
| Net Interest Margin | 3.48% | 3.17% | 3.68% | 4.16% | Beats 38% | 460 / 746 | | |
| Efficiency Ratio | 36.69% | 55.74% | 64.58% | 75.47% | Beats 98% | 13 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.64% | 0.09% | 0.42% | 1.07% | Beats 3% | 719 / 743 | | |
| Net Charge-Offs / Loans | 0.06% | 0.00% | 0.01% | 0.05% | Beats 21% | 585 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 15.47% | 11.55% | 13.75% | 17.60% | Beats 65% | 259 / 746 | | |
| Total Risk-Based Capital Ratio | 16.13% | 11.71% | 14.33% | 18.43% | Beats 64% | 266 / 746 | | |
| Equity / Assets | 9.10% | 8.90% | 10.51% | 13.06% | Beats 28% | 539 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 62.23% | 61.31% | 78.27% | 90.78% | 26th pctl | 554 / 746 | | |
| Loans / Assets | 54.91% | 53.60% | 66.97% | 76.08% | 27th pctl | 546 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |