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 (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.84% | 0.92% | 0.70% | 1.12% | 1.06% | 1.18% | 0.92% | 1.30% | +18 bps | |
| Return on Equity | 11.16% | 11.34% | 8.69% | 14.01% | 13.06% | 13.53% | 10.33% | 13.95% | -7 bps | |
| Net Interest Margin | 3.08% | 3.28% | 3.38% | 3.51% | 3.47% | 3.52% | 3.48% | 3.50% | -2 bps | |
| Efficiency Ratio | 72.10% | 65.68% | 71.24% | 61.04% | 60.47% | 61.13% | 68.19% | 62.78% | +174 bps | |
| Non-Interest Burden | 2.16% | 2.11% | 2.35% | 2.03% | 1.94% | 2.05% | 2.29% | 2.08% | +4 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.56% | -9.41% | -5.88% | 0.80% | 6.20% | 8.19% | 7.67% | -5.69% | -649 bps | |
| Loan Growth (YoY) | -1.45% | -3.60% | -3.83% | -1.20% | 8.28% | 10.61% | 5.40% | -1.28% | -8 bps | |
| Deposit Growth (YoY) | 3.70% | -7.57% | -4.14% | 3.39% | 5.60% | -6.87% | -2.72% | -7.62% | -1,101 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.04% | 0.24% | 0.04% | 0.59% | 0.35% | 0.44% | 0.34% | 0.42% | -17 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.33% | 0.08% | -0.05% | 0.04% | 0.00% | 0.00% | 0.00% | +5 bps | |
| Allowance / Loans | 1.08% | 1.01% | 1.00% | 1.00% | 1.01% | 1.00% | 1.04% | 1.07% | +7 bps | |
| Allowance Coverage of NPLs | 29.4x | 4.2x | 22.5x | 1.7x | 2.9x | 2.3x | 3.1x | 2.6x | +0.9x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.25% | 9.84% | 10.14% | 9.71% | 9.69% | 10.01% | 10.43% | 10.56% | +85 bps | |
| Total Risk-Based Capital | 15.15% | 9.84% | 10.14% | 9.71% | 9.69% | 10.01% | 10.43% | 10.56% | +85 bps | |
| Equity / Assets | 8.07% | 8.09% | 8.13% | 7.84% | 8.47% | 8.98% | 8.82% | 9.80% | +196 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 75.64% | 77.26% | 76.36% | 73.24% | 77.56% | 91.75% | 82.74% | 78.27% | +503 bps | |
| Liquid Assets / Assets | 6.56% | 5.48% | 9.25% | 13.42% | 8.69% | 6.42% | 11.95% | 10.00% | -342 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 268% | 276% | 265% | n/a | n/a | |