Clayton, MO · Cert 27237 · Enterprise Finl Services Corp.
State charter, Fed member · FED · 54 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks over $10B in assets (n=142 to 144). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
34
Asset Quality
30
Profitability
50
Liquidity
81
Efficiency
27
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Clayton, MO · Cert 27237 · Enterprise Finl Services Corp.
State charter, Fed member · FED · 54 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 3.9% share · #6 of 111 inst. · $5.5B of $141.7B
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.32% | 1.33% | 1.36% | 1.36% | 1.29% | 1.29% | 1.20% | 1.11% | -25 bps | |
| Return on Equity | 10.94% | 11.07% | 11.47% | 11.44% | 10.87% | 10.88% | 10.29% | 9.48% | -196 bps | |
| Net Interest Margin | 3.93% | 3.85% | 3.91% | 3.92% | 3.92% | 3.82% | 3.99% | 4.02% | +9 bps | |
| Efficiency Ratio | 58.05% | 57.74% | 57.70% | 58.31% | 55.98% | 56.65% | 59.88% | 60.26% | +195 bps | |
| Non-Interest Burden | 2.08% | 2.01% | 2.04% | 2.07% | 1.87% | 1.86% | 2.20% | 2.24% | +18 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.63% | 7.46% | 7.30% | 10.00% | 9.75% | 10.93% | 9.90% | 8.17% | -184 bps | |
| Loan Growth (YoY) | 4.36% | 3.09% | 2.44% | 3.72% | 4.54% | 5.18% | 3.49% | 4.24% | +53 bps | |
| Deposit Growth (YoY) | 4.74% | 8.09% | 6.41% | 8.47% | 8.90% | 11.21% | 11.36% | 9.47% | +100 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.36% | 0.58% | 1.17% | 1.16% | 1.39% | 0.95% | 0.80% | 0.98% | -18 bps | |
| Net Charge-Offs / Loans | 0.12% | 0.16% | -0.04% | -0.01% | 0.04% | 0.21% | 0.15% | 0.30% | +31 bps | |
| Allowance / Loans | 1.26% | 1.23% | 1.27% | 1.27% | 1.29% | 1.19% | 1.21% | 1.17% | -10 bps | |
| Allowance Coverage of NPLs | 3.5x | 2.1x | 1.1x | 1.1x | 0.9x | 1.3x | 1.5x | 1.2x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.62% | 10.51% | 10.42% | 10.49% | 10.45% | 9.72% | 9.80% | 9.92% | -56 bps | |
| Total Risk-Based Capital | 13.57% | 13.43% | 13.53% | 13.61% | 13.57% | 12.99% | 13.20% | 13.11% | -50 bps | |
| Equity / Assets | 12.28% | 11.72% | 11.95% | 11.93% | 11.97% | 11.62% | 11.69% | 11.75% | -18 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 87.98% | 84.52% | 85.85% | 84.80% | 84.47% | 79.93% | 79.78% | 80.75% | -405 bps | |
| Liquid Assets / Assets | 7.15% | 9.12% | 7.99% | 8.23% | 8.20% | 8.94% | 8.28% | 7.51% | -72 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 359% | 373% | 366% | n/a | n/a | |
Clayton, MO · Cert 27237 · Peer group: banks over $10B in assets (n=142-144) · Enterprise Finl Services Corp.
State charter, Fed member · FED · 54 branches
Q2 2026
Return on Assets
1.10%
Rank 96 of 144
Net Interest Margin
4.02%
Rank 23 of 144
Efficiency Ratio
60.99%
Rank 106 of 144
Equity / Assets
11.75%
Rank 59 of 144
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.10% | 1.00% | 1.26% | 1.54% | Beats 33% | 96 / 144 | ||
| Return on Equity | 9.38% | 8.98% | 11.34% | 14.40% | Beats 33% | 97 / 144 | ||
| Net Interest Margin | 4.02% | 2.82% | 3.31% | 3.68% | Beats 84% | 23 / 144 | ||
| Efficiency Ratio | 60.99% | 49.42% | 56.02% | 62.41% | Beats 27% | 106 / 144 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.98% | 0.48% | 0.73% | 1.07% | Beats 28% | 103 / 142 | ||
| Net Charge-Offs / Loans | 0.18% | 0.05% | 0.11% | 0.22% | Beats 32% | 97 / 142 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.07% | 12.07% | 12.98% | 14.92% | Beats 24% | 109 / 144 | ||
| Total Risk-Based Capital Ratio | 13.11% | 13.39% | 14.14% | 16.25% | Beats 18% | 118 / 144 | ||
| Equity / Assets | 11.75% | 9.69% | 11.39% | 12.96% | Beats 59% | 59 / 144 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 80.75% | 75.72% | 84.92% | 91.56% | 34th pctl | 94 / 143 | ||
| Loans / Assets | 68.52% | 59.83% | 69.07% | 74.80% | 44th pctl | 80 / 144 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||