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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

$21.7M$171.6MINCOMEEXPENSE
Unfavorable gap of $149.9M · efficiency ratio beats 7% of banks $1B-$10B in assets in the Boston-Cambridge-Newton, MA-NH area
Bank 93.30%Peer median 75.3%Q2 2024Q2 2025Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets0.06%0.32%0.51%0.75%Beats 7%27 / 29
Return on Equity0.70%3.59%5.33%6.80%Beats 7%27 / 29
Net Interest Margin3.26%2.25%2.52%3.26%Beats 76%7 / 29
Efficiency Ratio93.30%61.36%75.34%81.67%Beats 7%28 / 29
Asset Quality
Nonperforming Loans / Loans0.56%0.19%0.55%0.81%Beats 48%16 / 29
Net Charge-Offs / Loans0.11%0.00%0.01%0.06%Beats 17%25 / 29
Capital
Tier 1 Capital Ratio11.59%11.59%13.70%15.29%Beats 24%22 / 29
Total Risk-Based Capital Ratio12.84%12.69%14.67%15.78%Beats 28%21 / 29
Equity / Assets8.90%9.29%10.12%12.24%Beats 17%24 / 29
Liquidity & Funding
Loans / Deposits93.21%92.70%101.54%106.61%28th pctl21 / 29
Loans / Assets82.17%77.31%80.20%85.37%55th pctl13 / 29
Brokered Deposits / Depositsn/aNot reported for this institution