Bank Comparison
Enterprise Bank and Trust Company vs Leader Bank, N.A.
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
8 · 16
winning metrics across 24 comparable rows
Capital adequacy
| Metric | Enterprise Bank and Trust Company | Leader Bank, N.A. |
|---|---|---|
| CET1 Ratio | 11.59% | 20.32% |
| Tier 1 Capital Ratio | 11.59% | 20.32% |
| Total Capital Ratio | 12.84% | 21.57% |
| Tier 1 Leverage Ratio | 9.84% | 11.75% |
| Equity / Assets | 8.90% | 10.77% |
Profitability
| Metric | Enterprise Bank and Trust Company | Leader Bank, N.A. |
|---|---|---|
| Return on Assets (ROA) | -0.79% | 0.73% |
| Return on Equity (ROE) | -8.87% | 6.53% |
| Net Interest Margin (NIM) | 3.49% | 2.35% |
| Yield on Earning Assets | 5.17% | 4.75% |
| Cost of Funds | 1.81% | 2.64% |
Asset quality
| Metric | Enterprise Bank and Trust Company | Leader Bank, N.A. |
|---|---|---|
| Texas Ratio | 5.88% | 0.22% |
| Non-Performing Loan Ratio | 0.72% | 0.03% |
| Non-Performing Asset Ratio | 0.59% | 0.03% |
| Net Charge-Off Ratio | 0.40% | 0.00% |
| ACL / Loans | 1.51% | 1.00% |
Balance sheet
| Metric | Enterprise Bank and Trust Company | Leader Bank, N.A. |
|---|---|---|
| Total Assets | $4,953M | $5,078M |
| Total Deposits | $4,366M | $4,043M |
| Total Loans | $4,070M | $4,177M |
| Total Equity | $440,718K | $546,763K |
| Net Income (quarter) | $-9,817 | $8,861K |
Liquidity & funding
| Metric | Enterprise Bank and Trust Company | Leader Bank, N.A. |
|---|---|---|
| Loan-to-Deposit Ratio | 93.21% | 103.32% |
| Core Deposit Ratio | 93.30% | 93.20% |
| Uninsured Deposit Ratio | 32.52% | 32.47% |
Identity
| Metric | Enterprise Bank and Trust Company | Leader Bank, N.A. |
|---|---|---|
| Headquarters City | LOWELL | ARLINGTON |
| Headquarters State | MA | MA |
| Asset Tier | Large | Large |
| Charter Class | 0 | 24131 |
| Regulator | FDIC | OCC |
| Domestic Branches | 27 | 6 |
| Employees (FTE) | 504 | 448 |
| Established | Jan. 3, 1989, midnight | May 8, 2002, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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