Enterprise Bank & Trust: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Enterprise Bank & Trust, based in Clayton, Missouri, reported $17.4 billion in assets at June 30, 2026, up 8.2% from a year earlier. It carries problem assets equal to 9.2% of the capital and reserves that would absorb them, about double the median of 4.2% for the 127 banks with $10 billion to $100 billion in assets. On the other hand, it keeps 4.31 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.63 cents).
Net income for the quarter slipped 18% from a year earlier, to $44 million. Over the same year, loans grew 4.2% and deposits grew 9.5%. Where it has less room is capital: it holds common equity equal to 12.07% of its risk-weighted assets, lower than about three-quarters of banks its size (median 12.98%).
As of June 30, 2026, Enterprise Bank & Trust reported a CET1 capital ratio of 12.07%, a return on assets of 1.02%, a nonperforming-loan ratio of 0.98% and a Texas ratio of 9.20%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 150 N Meramec Ave, Clayton, MO 63105
- County
- St. Louis
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 9, 1988
- Offices
- 56 domestic
- Employees (FTE)
- 1,375
- Domestic deposits
- $14.73B
- Allowance for credit losses
- $139.2M
- Net charge-offs (YTD)
- $18.0M
- Average total assets
- $17.35B
- Average total loans
- $11.78B
- Average interest-bearing deposits
- $9.67B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 9, 1988
- FDIC Cert
- 27237
- Fed RSSD
- 1190476
- SEC CIK
- 1025835 → filed by ENTERPRISE FINANCIAL SERVICES CORP
- Website
- http://www.enterprisebank.com →
- Parent Holding Company
- ENTERPRISE FINANCIAL SERVICES CORP (RSSD 2303910) · EFSC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Lally James Brian | CEO | CEO |
| Goodman Scott Richard | PRES | President |
| Keene S Turner | CFO | SEVP, Chief Financial Officer |
| Bridget Huffman | CRO | SEVP, Chief Risk Officer |
| Nicole M Iannacone | GC | SEVP, Chief Legal Officer |
| Kevin L Handley | CCO | Chief Credit Officer |
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Enterprise Bank & Trust terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Enterprise Bank & Trust, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Enterprise Bank & Trust rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.07% | 1.02% | 0.98% | 9.20% | 4.31% |
| Q1 2026 | 12.14% | 1.19% | 0.80% | 8.71% | 4.24% |
| Q4 2025 | 11.94% | 1.26% | 0.95% | 9.62% | 4.31% |
| Q3 2025 | 12.43% | 1.17% | 1.39% | 7.81% | 4.28% |
| Q2 2025 | 12.47% | 1.36% | 1.16% | 6.76% | 4.21% |
| Q1 2025 | 12.39% | 1.35% | 1.17% | 6.90% | 4.10% |
| Q4 2024 | 12.41% | 1.35% | 0.58% | 2.94% | 4.13% |
| Q3 2024 | 12.51% | 1.44% | 0.36% | 2.06% | 4.20% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 54 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Encinitas Branch | Encinitas , CA | 92024 | $4.06B |
| Enterprise Bank & Trust (main office) | Clayton , MO | 63105 | $2.98B |
| Sunset Hills Branch | Sunset Hills , MO | 63127 | $968.8M |
| Overland Park Branch | Overland Park , KS | 66213 | $745.5M |
| Los Alamos Branch | Los Alamos , NM | 87544 | $589.9M |
| St. Peters Branch | St. Peters , MO | 63376 | $478.0M |
| Camelback Branch | Phoenix , AZ | 85018 | $448.3M |
| Creve Coeur Branch | Creve Coeur , MO | 63141 | $336.5M |
| Cerritos Main Branch | Cerritos , CA | 90703 | $330.5M |
| Santa Fe Downtown Branch | Santa Fe , NM | 87501 | $325.7M |
| Santa Fe Galisteo Branch | Santa Fe , NM | 87505 | $268.9M |
| Chula Vista Branch | Chula Vista , CA | 91910 | $229.5M |
| Albuquerque Branch | Albuquerque , NM | 87109 | $176.7M |
| Chandler Branch | Chandler , AZ | 85225 | $157.7M |
| Downtown Los Angeles Branch | Los Angeles , CA | 90071 | $155.4M |
| Olathe Central Branch | Olathe , KS | 66061 | $135.0M |
| Tucson Branch | Tucson , AZ | 85719 | $134.9M |
| Orlando Branch | Orlando , FL | 32801 | $120.6M |
| Hillsboro Branch | Hillsboro , MO | 63050 | $109.1M |
| Clairborne Branch | Olathe , KS | 66062 | $108.3M |
| Pasadena Branch | Pasadena , CA | 91106 | $105.9M |
| Anaheim Branch | Anaheim , CA | 92806 | $101.0M |
| North Scottsdale Branch | Scottsdale , AZ | 85260 | $99.7M |
| Festus Branch | Festus , MO | 63028 | $94.8M |
| Las Vegas Branch | Las Vegas , NV | 89113 | $92.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 22, 2021 | Structure Change | Acquired First Choice Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 22, 2021 | M&A | Acquired First Choice Bank merger for the acquired bank | SEC |
| July 21, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 13, 2020 | M&A | Acquired Seacoast Commerce Bank merger for the acquired bank | SEC |
| November 13, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 13, 2020 | Structure Change | Acquired Seacoast Commerce Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 8, 2019 | M&A | Acquired Los Alamos National Bank merger for the acquired bank | SEC |
| March 8, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 8, 2019 | Structure Change | Acquired Los Alamos National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 11, 2017 | M&A | Acquired Eagle Bank and Trust Company of Missouri merger for the acquired bank | SEC |
| February 11, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 11, 2017 | Structure Change | Acquired Eagle Bank and Trust Company of Missouri Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 13, 2011 | Structure Change | Acquired The First National Bank of Olathe Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 13, 2011 | M&A | Acquired The First National Bank of Olathe failure_government_assistance_provided for the acquired bank | SEC |
| August 12, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 8, 2011 | Structure Change | Acquired Legacy Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 8, 2011 | M&A | Acquired Legacy Bank failure_government_assistance_provided for the acquired bank | SEC |
| January 7, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| December 12, 2009 | Structure Change | Acquired Valley Capital Bank, N.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 12, 2009 | M&A | Acquired Valley Capital Bank, N.A. failure_government_assistance_provided for the acquired bank | SEC |
| December 11, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| October 7, 2006 | M&A | Acquired Enterprise Bank & Trust merger for the acquired bank | SEC |
| October 7, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 7, 2006 | Structure Change | Acquired Enterprise Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 29, 2001 | Structure Change | Acquired Enterprise Banking, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 29, 2001 | M&A | Acquired Enterprise Banking, National Association merger for the acquired bank | SEC |
| September 29, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 27 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for Enterprise Bank & Trust, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 2.0% of deposits in MO, rank 8 of 253 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 292 applications, 186 loans originated, $106.0M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 143 loans, $241.9M approved, $1.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Enterprise Bank & Trust
What are Enterprise Bank & Trust's total assets?
As of the Q2 2026 filing, Enterprise Bank & Trust reported total assets of $17.36 billion in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Enterprise Bank & Trust headquartered?
Enterprise Bank & Trust is headquartered in Clayton, MO, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Enterprise Bank & Trust founded?
Enterprise Bank & Trust was established in 1988, per the FDIC institution directory.
Is Enterprise Bank & Trust FDIC-insured?
Yes. Enterprise Bank & Trust is an FDIC-insured commercial bank (FDIC Certificate #27237). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Enterprise Bank & Trust?
Enterprise Bank & Trust's primary federal regulator is the Federal Reserve. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Enterprise Bank & Trust's CET1 capital ratio?
Enterprise Bank & Trust reported a Common Equity Tier 1 (CET1) capital ratio of 12.07% in its Q2 2026 call report, above regulatory requirements.
How many branches does Enterprise Bank & Trust operate?
Enterprise Bank & Trust operates 56 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Enterprise Bank & Trust's Texas Ratio?
Enterprise Bank & Trust's Texas Ratio is 9.20% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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