Enterprise Bank of South Carolina: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Enterprise Bank of South Carolina is one of the more profitable banks of its size. Based in Ehrhardt, South Carolina, it had $535 million in assets at June 30, 2026, up 9.4% from a year earlier. It earns about $3.85 a year on every $100 of assets, about triple the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 21.1% of the capital and reserves that would absorb them, 8.0 times the median of 2.6% for banks its size.
Loans are outrunning deposits: over the year loans rose 11.2% and deposits rose 0.8%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 3.64% of loans, down from 4.16% a year earlier. Where it has less room is capital: it funds 9.26% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Enterprise Bank of South Carolina reported a CET1 capital ratio of 15.47%, a return on assets of 3.85%, a nonperforming-loan ratio of 3.64% and a Texas ratio of 21.06%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 13497 Broxton Bridge Rd, Ehrhardt, SC 29081
- County
- Bamberg
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1920
- Offices
- 12 domestic
- Employees (FTE)
- 97
- Domestic deposits
- $472.2M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $161K
- Average total assets
- $539.2M
- Average total loans
- $289.6M
- Average interest-bearing deposits
- $369.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11539
- Fed RSSD
- 457426
- Website
- https://ebsc.bank →
- Parent Holding Company
- VARN FINANCIAL CORPORATION (RSSD 5975952)
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 of South Carolina terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock Enterprise Bank of South Carolina, 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Enterprise Bank of South Carolina 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.
Metric pages for Enterprise Bank of South Carolina: ROA, Texas 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 | 15.47% | 3.85% | 3.64% | 21.06% | 3.91% |
| Q1 2026 | 15.75% | 8.42% | 3.70% | 24.66% | 3.63% |
| Q4 2025 | 12.73% | 6.69% | 3.78% | 33.25% | 3.74% |
| Q3 2025 | 12.70% | 0.82% | 4.06% | 49.59% | 3.57% |
| Q2 2025 | 12.88% | 0.85% | 4.16% | 53.09% | 3.65% |
| Q1 2025 | 12.70% | 0.65% | 3.89% | 53.76% | 3.23% |
| Q4 2024 | 12.50% | 0.51% | 4.77% | 71.67% | 3.07% |
| Q3 2024 | 12.67% | 0.61% | 3.49% | 52.98% | 3.15% |
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 12 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Walterboro Branch | Walterboro , SC | 29488 | $89.2M |
| Barnwell Branch | Barnwell , SC | 29812 | $88.0M |
| Enterprise Bank of South Carolina (main office) | Ehrhardt , SC | 29081 | $77.2M |
| Bamberg Branch | Bamberg , SC | 29003 | $50.0M |
| Edisto Island Branch | Edisto Island , SC | 29438 | $39.2M |
| Blackville Branch | Blackville , SC | 29817 | $25.1M |
| Williston Branch | Williston , SC | 29853 | $24.5M |
| Ridgeville Branch | Ridgeville , SC | 29472 | $22.1M |
| Cottageville Branch | Cottageville , SC | 29435 | $20.3M |
| Denmark Branch | Denmark , SC | 29042 | $18.3M |
| Springfield Branch | Springfield , SC | 29146 | $15.8M |
| Bells Highway Branch | Walterboro , SC | 29488 | $2.5M |
Regulatory record
What the public regulatory sources show for Enterprise Bank of South Carolina, 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
- 0.4% of deposits in SC, rank 38 of 75 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 125 applications, 102 loans originated, $41.5M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $471K approved, $471K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (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 of South Carolina
What are Enterprise Bank of South Carolina's total assets?
As of the Q2 2026 filing, Enterprise Bank of South Carolina reported total assets of $535.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Enterprise Bank of South Carolina headquartered?
Enterprise Bank of South Carolina is headquartered in Ehrhardt, SC, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Enterprise Bank of South Carolina founded?
Enterprise Bank of South Carolina was established in 1920, per the FDIC institution directory.
Is Enterprise Bank of South Carolina FDIC-insured?
Yes. Enterprise Bank of South Carolina is an FDIC-insured commercial bank (FDIC Certificate #11539). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Enterprise Bank of South Carolina?
Enterprise Bank of South Carolina's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Enterprise Bank of South Carolina's CET1 capital ratio?
Enterprise Bank of South Carolina reported a Common Equity Tier 1 (CET1) capital ratio of 15.47% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Enterprise Bank of South Carolina operate?
Enterprise Bank of South Carolina operates 12 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 of South Carolina's Texas Ratio?
Enterprise Bank of South Carolina's Texas Ratio is 21.06% 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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