Enterprise Bank & Trust
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
$17.4BAssets
$11.9BLoans
$14.7BDeposits
$2.0BEquity
Executive Summary
- Strongest standing: net interest margin outperforms 84% of banks over $10B in assets (rank 23 of 144).
- Widest gap: total risk-based capital ratio trails 82% of banks over $10B in assets (rank 118 of 144).
- Overall: at or above the peer median on 2 of 9 directional measures.
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
Non-interest income vs. expense
Unfavorable gap of $389.0M · efficiency ratio beats 27% of banks over $10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 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 |