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Enterprise Bank

Omaha, NE · Cert 33380 · Enterprise Holding Co.

State charter, Fed member · FED · 4 branches

Q2 2026

$574.0MAssets
$478.4MLoans
$458.0MDeposits
$64.2MEquity
Loan mix
87%RE $402.9M12%C&I $56.5M1%Consumer $3.3MQ2 2025Q2 2026
Deposit mix
88%Interest-bearing $403.5M12%Noninterest $54.5MQ2 2025Q2 2026

NIM

5.41%Q2 ’245.68%Q2 ’255.68%Q2 ’26+17%+11%

Non-interest income vs. expense

1.91%Q2 ’241.78%Q2 ’251.87%Q2 ’26-7%+4%

Market Position · Omaha, NE-IA · 2026 SOD (annual) · 1.1% share · #15 of 77 inst. · $0.5B of $42.7B

Executive Summary

  • Earnings: ROA of 0.99%, up 18 bps year over year; NIM at 3.07%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY), with net charge-offs at 0.00%.
  • Capital: tier 1 leverage ratio of 11.15%, up 32 bps from a year ago.
  • Funding: loans stand at 104.45% of deposits as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.99%+18 bps YoY

Net Interest Margin (quarter, annualized)

3.07%+30 bps YoY

Efficiency Ratio (quarter, annualized)

58.02%-351 bps YoY

Tier 1 Leverage Ratio

11.15%+32 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%0.85%1.29%0.89%0.99%+18 bps
Return on Equity7.69%7.76%11.68%8.23%9.06%+138 bps
Net Interest Margin2.77%2.83%2.91%2.80%3.07%+30 bps
Efficiency Ratio61.53%61.28%53.28%58.77%58.02%-351 bps
Non-Interest Burden1.66%1.69%1.49%1.59%1.72%+6 bps
Growth
Asset Growth (YoY)6.42%4.24%10.35%11.14%7.35%+93 bps
Loan Growth (YoY)5.64%3.97%3.82%5.42%3.37%-227 bps
Deposit Growth (YoY)4.81%2.86%10.22%13.98%8.36%+355 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Allowance / Loans1.08%1.12%1.14%1.13%1.13%+5 bps
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ratio10.83%11.41%11.11%11.05%11.15%+32 bps
Total Risk-Based Capital12.80%13.87%14.33%13.80%13.90%+110 bps
Equity / Assets10.61%11.24%10.91%10.64%11.19%+58 bps
Liquidity & Funding
Loans / Deposits109.49%107.67%100.70%98.00%104.45%-504 bps
Liquid Assets / Assets8.67%11.11%15.70%14.88%11.28%+262 bps
CRE / Total Capitaln/a568%556%574%n/an/a