Enterprise Bank and Trust Company
Lowell, MA · Cert 27408 · Peer group: banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (n=29)
FDIC · 27 branches
Q2 2025
$5.0BAssets
$4.1BLoans
$4.4BDeposits
$440.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 76% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 7 of 29).
- Widest gap: efficiency ratio trails 93% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area (rank 28 of 29).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.06%
Rank 27 of 29
Net Interest Margin
3.26%
Rank 7 of 29
Efficiency Ratio
93.30%
Rank 28 of 29
Equity / Assets
8.90%
Rank 24 of 29
Non-interest income vs. expense
Unfavorable gap of $149.9M · efficiency ratio beats 7% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.06% | 0.32% | 0.51% | 0.75% | Beats 7% | 27 / 29 | |
| Return on Equity | 0.70% | 3.59% | 5.33% | 6.80% | Beats 7% | 27 / 29 | |
| Net Interest Margin | 3.26% | 2.25% | 2.52% | 3.26% | Beats 76% | 7 / 29 | |
| Efficiency Ratio | 93.30% | 61.36% | 75.34% | 81.67% | Beats 7% | 28 / 29 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.56% | 0.19% | 0.55% | 0.81% | Beats 48% | 16 / 29 | |
| Net Charge-Offs / Loans | 0.11% | 0.00% | 0.01% | 0.06% | Beats 17% | 25 / 29 | |
| Capital |
| Tier 1 Capital Ratio | 11.59% | 11.59% | 13.70% | 15.29% | Beats 24% | 22 / 29 | |
| Total Risk-Based Capital Ratio | 12.84% | 12.69% | 14.67% | 15.78% | Beats 28% | 21 / 29 | |
| Equity / Assets | 8.90% | 9.29% | 10.12% | 12.24% | Beats 17% | 24 / 29 | |
| Liquidity & Funding |
| Loans / Deposits | 93.21% | 92.70% | 101.54% | 106.61% | 28th pctl | 21 / 29 | |
| Loans / Assets | 82.17% | 77.31% | 80.20% | 85.37% | 55th pctl | 13 / 29 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |