Enterprise, AL · Cert 16369 · Enterprise Capital Corp. Inc.
State charter, non-member · FDIC · 2 branches
Q2 2026
Market Position · Daphne-Fairhope-Foley, AL · 2026 SOD (annual) · 0.8% share · #23 of 32 inst. · $0.1B of $6.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.91% | 0.97% | 1.03% | 0.92% | 1.12% | +20 bps | |
| Return on Equity | 11.42% | 11.95% | 12.38% | 10.33% | 12.15% | +73 bps | |
| Net Interest Margin | 3.33% | 3.32% | 3.38% | 3.48% | 3.46% | +13 bps | |
| Efficiency Ratio | 65.82% | 63.92% | 63.20% | 68.19% | 65.43% | -39 bps | |
| Non-Interest Burden | 2.11% | 2.02% | 2.04% | 2.29% | 2.17% | +6 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.80% | 6.20% | 8.19% | 7.67% | -5.69% | -649 bps | |
| Loan Growth (YoY) | -1.20% | 8.28% | 10.61% | 5.40% | -1.28% | -8 bps | |
| Deposit Growth (YoY) | 3.39% | 5.60% | -6.87% | -2.72% | -7.62% | -1,101 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.59% | 0.35% | 0.44% | 0.34% | 0.42% | -17 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.02% | 0.02% | 0.00% | 0.00% | -1 bps | |
| Allowance / Loans | 1.00% | 1.01% | 1.00% | 1.04% | 1.07% | +7 bps | |
| Allowance Coverage of NPLs | 1.7x | 2.9x | 2.3x | 3.1x | 2.6x | +0.9x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.71% | 9.69% | 10.01% | 10.43% | 10.56% | +85 bps | |
| Total Risk-Based Capital | 9.71% | 9.69% | 10.01% | 10.43% | 10.56% | +85 bps | |
| Equity / Assets | 7.84% | 8.47% | 8.98% | 8.82% | 9.80% | +196 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 73.24% | 77.56% | 91.75% | 82.74% | 78.27% | +503 bps | |
| Liquid Assets / Assets | 13.42% | 8.69% | 6.42% | 11.95% | 10.00% | -342 bps | |
| CRE / Total Capital | n/a | 268% | 276% | 265% | n/a | n/a | |