ENTERPRISE BANK OF SOUTH CAROLINA
ENTERPRISE BANK OF SOUTH CAROLINA is an FDIC-insured commercial bank headquartered in EHRHARDT, SC, established in 1920. As of , the bank reported total assets of $491M and total deposits of $460M. Profitability stands at 6.85% ROA and 133.39% ROE, with a net interest margin of 3.74%. CET1 capital ratio: 12.73%, well above regulatory minimums. NPL ratio: 3.78% · Texas Ratio: 33.25%. Operates 12 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Non-performing loans (90+ days past due or non-accrual) exceed 3% of total loans — well above the typical community-bank range of 0.5–1.5%.
More than half of deposits are uninsured (above the $250K FDIC threshold). Worth understanding the depositor concentration in stressed scenarios.
Enterprise Bank of South Carolina rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
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 |
|---|---|---|---|---|---|
| 2025-12-31 | 12.73% | 6.85% | 3.78% | 33.25% | 3.74% |
| 2025-09-30 | 12.70% | 0.85% | 4.06% | 49.59% | 3.56% |
| 2025-06-30 | 12.88% | 0.88% | 4.16% | 53.09% | 3.64% |
| 2025-03-31 | 12.70% | 0.67% | 3.89% | 53.76% | 3.22% |
| 2024-12-31 | 12.50% | 0.53% | 4.77% | 71.67% | 3.05% |
| 2024-09-30 | 12.67% | 0.62% | 3.32% | 50.37% | 3.16% |
| 2024-06-30 | 12.16% | 0.44% | 2.80% | 48.14% | 3.13% |
| 2024-03-31 | 11.72% | 0.52% | 3.15% | 57.74% | 3.20% |
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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 Q4 2025 filing, Enterprise Bank of South Carolina reported total assets of $491.1 million in its most recent 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 required of all FDIC-insured commercial banks.
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 12.73% in its most recent quarterly filing — above regulatory minimums.
How many branches does Enterprise Bank of South Carolina operate?
Enterprise Bank of South Carolina operates 12 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Enterprise Bank of South Carolina's Texas Ratio?
Enterprise Bank of South Carolina's Texas Ratio is 33.25% — within the typical range for US community banks (25–50%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.