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 | |