Bank Comparison
Enterprise Bank of South Carolina vs Bank of the Flint Hills
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
10 · 13
winning metrics across 23 comparable rows
Capital adequacy
| Metric | Enterprise Bank of South Carolina | Bank of the Flint Hills |
|---|---|---|
| CET1 Ratio | 15.75% | 10.47% |
| Tier 1 Capital Ratio | 15.75% | 10.47% |
| Total Capital Ratio | 16.43% | 11.71% |
| Tier 1 Leverage Ratio | 9.53% | 8.55% |
| Equity / Assets | 7.80% | 7.92% |
Profitability
| Metric | Enterprise Bank of South Carolina | Bank of the Flint Hills |
|---|---|---|
| Return on Assets (ROA) | 8.42% | 1.53% |
| Return on Equity (ROE) | 123.01% | 19.35% |
| Net Interest Margin (NIM) | 3.63% | 3.94% |
| Yield on Earning Assets | 4.65% | 5.98% |
| Cost of Funds | 1.07% | 2.14% |
Asset quality
| Metric | Enterprise Bank of South Carolina | Bank of the Flint Hills |
|---|---|---|
| Texas Ratio | 24.66% | 3.88% |
| Non-Performing Loan Ratio | 3.70% | 0.39% |
| Non-Performing Asset Ratio | 2.02% | 0.35% |
| Net Charge-Off Ratio | 0.10% | -0.02% |
| ACL / Loans | 0.74% | 1.31% |
Balance sheet
| Metric | Enterprise Bank of South Carolina | Bank of the Flint Hills |
|---|---|---|
| Total Assets | $522,223K | $523,099K |
| Total Deposits | $466,497K | $469,923K |
| Total Loans | $285,505K | $399,003K |
| Total Equity | $40,732K | $41,428K |
| Net Income (quarter) | $10,829K | $1,992K |
Liquidity & funding
| Metric | Enterprise Bank of South Carolina | Bank of the Flint Hills |
|---|---|---|
| Loan-to-Deposit Ratio | 61.20% | 84.91% |
| Core Deposit Ratio | 91.40% | 94.86% |
| Uninsured Deposit Ratio | — | — |
Identity
| Metric | Enterprise Bank of South Carolina | Bank of the Flint Hills |
|---|---|---|
| Headquarters City | EHRHARDT | WAMEGO |
| Headquarters State | SC | KS |
| Asset Tier | Medium | Medium |
| Charter Class | 0 | 0 |
| Regulator | FDIC | FED |
| Domestic Branches | 12 | 8 |
| Employees (FTE) | 95 | 78 |
| Established | Jan. 1, 1920, midnight | Jan. 1, 1875, 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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