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Enterprise Bank & Trust

Clayton, MO · Cert 27237 · Enterprise Finl Services Corp.

State charter, Fed member · FED · 54 branches

Q2 2026

$17.4BAssets
$11.9BLoans
$14.7BDeposits
$2.0BEquity
Loan mix
59%RE $6.4B41%C&I $4.4B1%Consumer $0.1BQ2 2025Q2 2026
Deposit mix
65%Interest-bearing $9.6B35%Noninterest $5.1BQ2 2025Q2 2026

NIM

5.68%Q2 ’245.40%Q2 ’255.24%Q2 ’260%+2%

Non-interest income vs. expense

2.50%Q2 ’242.52%Q2 ’252.62%Q2 ’26-3%+8%

Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 3.9% share · #6 of 111 inst. · $5.5B of $141.7B

9.2% St. Louis
3.2% San Diego
4.3% Johnson
0.4% Maricopa

Executive Summary

  • Earnings: ROA of 1.11%, down 25 bps year over year; NIM at 4.02%.
  • Asset quality: problem loans at 0.98% of loans (-18 bps YoY), with net charge-offs at 0.30%.
  • Capital: tier 1 leverage ratio of 9.92%, down 56 bps from a year ago.
  • Funding: loans stand at 80.75% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.11%-25 bps YoY

Net Interest Margin (YTD, annualized)

4.02%+9 bps YoY

Efficiency Ratio (YTD, annualized)

60.26%+195 bps YoY

Tier 1 Leverage Ratio

9.92%-56 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.36%1.29%1.29%1.20%1.11%-25 bps
Return on Equity11.44%10.87%10.88%10.29%9.48%-196 bps
Net Interest Margin3.92%3.92%3.82%3.99%4.02%+9 bps
Efficiency Ratio58.31%55.98%56.65%59.88%60.26%+195 bps
Non-Interest Burden2.07%1.87%1.86%2.20%2.24%+18 bps
Growth
Asset Growth (YoY)10.00%9.75%10.93%9.90%8.17%-184 bps
Loan Growth (YoY)3.72%4.54%5.18%3.49%4.24%+53 bps
Deposit Growth (YoY)8.47%8.90%11.21%11.36%9.47%+100 bps
Asset Quality
Nonperforming Loans / Loans1.16%1.39%0.95%0.80%0.98%-18 bps
Net Charge-Offs / Loans-0.01%0.04%0.21%0.15%0.30%+31 bps
Allowance / Loans1.27%1.29%1.19%1.21%1.17%-10 bps
Allowance Coverage of NPLs1.1x0.9x1.3x1.5x1.2x+0.1x
Capital
Tier 1 Leverage Ratio10.49%10.45%9.72%9.80%9.92%-56 bps
Total Risk-Based Capital13.61%13.57%12.99%13.20%13.11%-50 bps
Equity / Assets11.93%11.97%11.62%11.69%11.75%-18 bps
Liquidity & Funding
Loans / Deposits84.80%84.47%79.93%79.78%80.75%-405 bps
Liquid Assets / Assets8.23%8.20%8.94%8.28%7.51%-72 bps
CRE / Total Capitaln/a359%373%366%n/an/a