Enterprise Bank (Omaha, NE)
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Data as of · sourced from FFIEC call reports. How we update
Enterprise Bank is an FDIC-insured commercial bank headquartered in Omaha, NE, established in 1991 (FDIC certificate 33380), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $574.0M, up 7.3% from Q2 2025, the 36th largest of 138 banks headquartered in Nebraska. Its CET1 capital ratio was 12.78% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 33380
- Headquarters
- Omaha, NE
- Established
- 1991
- Total assets, Q2 2026
- $574.0M
- Assets vs Q2 2025
- +7.3%
- CET1 ratio, Q2 2026
- 12.78%
- Domestic offices
- 4 FDIC institution directory, current count
- Routing number
- 104000469
- Latest call report
- Q2 2026, FFIEC 051 · Enterprise Bank call report
- Holding company
- ENTERPRISE HOLDING COMPANY
- Asset rank in state
- 36th of 138 in Nebraska
Enterprise Bank pays more for its money than most banks of its size. The Omaha, Nebraska bank had $574 million in assets at June 30, 2026, up 7.3% from a year earlier. It pays an average of 2.99% on its deposits and borrowings, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 1.80%). It also holds commercial real estate loans worth 4.5 times its capital, 3.8 times the median of 1.2 times for banks its size.
Earnings jumped: net income for the quarter was $1.4 million, 33% above the same quarter a year earlier. Over the same year, loans grew 3.4% and deposits grew 8.4%. Its margin is thin by comparison: it keeps 3.12 cents of net interest income on every dollar of earning assets, lower than about three-quarters of banks its size (median 3.95 cents).
As of June 30, 2026, Enterprise Bank reported a CET1 capital ratio of 12.78%, a return on assets of 0.99%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, Enterprise Bank is the 36th largest of the 138 banks headquartered in Nebraska. Quarter on quarter (Q1 2026 to Q2 2026), its total assets fell 3.6% to $574.0M, loans rose 0.8% and deposits fell 5.4%. Non-owner-occupied commercial real estate loans made up 47.5% of its total loans on June 30, 2026, its largest category; next came commercial and industrial loans at 12.1%. Its 4 offices in the FDIC Summary of Deposits are in Omaha, NE. On its Q2 2026 call report, Enterprise Bank meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 525 N 132nd Street, Omaha, NE 68154
- County
- Douglas
- Metro Area
- Omaha, NE-IA
- 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 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- April 10, 1991
- Domestic offices
- 4 FDIC institution directory, current count
- Employees (FTE)
- 38
- Domestic deposits
- $458.0M
- Allowance for credit losses
- $5.4M
- Net charge-offs (YTD)
- $0
- Average total assets
- $585.1M
- Average total loans
- $473.3M
- Average interest-bearing deposits
- $413.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- April 10, 1991
- FDIC Cert
- 33380
- Fed RSSD
- 1836701
- Website
- https://www.ENTERPRISE.BANK →
- Parent Holding Company
- ENTERPRISE HOLDING COMPANY (RSSD 3306356)
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, Enterprise Bank's total assets ran between $463.0M (Q3 2023) and $595.7M (Q1 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$574.0M total assets against $534.7M; $509.7M total liabilities against $478.0M.
$473.0M net loans and leases against $457.8M; $458.0M total deposits against $422.7M.
$16.4M securities against $15.1M; $67.0M cash and balances due against $50.9M.
$8.3M total interest income against $7.6M; $3.8M total interest expense against $3.9M.
$4.5M net interest income against $3.7M.
$230K total noninterest income against $166K; $2.7M total noninterest expense against $2.4M.
$120K provision for credit losses against $90K.
$1.4M net income against $1.1M.
0.99% return on assets against 0.81%; 3.12% net interest margin against 2.78%.
12.78% CET1 capital ratio against 11.73%; 11.15% tier 1 leverage ratio against 10.83%.
Inside the full Enterprise Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, 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.
Loans outstanding are at or above total deposits. The bank reports little borrowing or brokered funding, so the difference is carried mainly by equity and other liabilities. Worth watching if loan growth continues to outpace deposits. Industry heuristic, not a supervisory threshold.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Enterprise Bank rankings
Its closest position to the top of a national ranking is 1,603 of 4,196, for total assets; its furthest is 3,402 of 3,640, for Texas Ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.42% (Q3 2024) to 1.27% (Q4 2025) and its net interest margin ran from 2.25% (Q3 2024) to 3.12% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.78% | 0.99% | 0.00% | 0.00% | 3.12% |
| Q1 2026 | 12.71% | 0.89% | 0.00% | 0.00% | 2.82% |
| Q4 2025 | 13.21% | 1.27% | 0.00% | 0.00% | 2.92% |
| Q3 2025 | 12.78% | 0.84% | 0.00% | 0.00% | 2.84% |
| Q2 2025 | 11.73% | 0.81% | 0.00% | 0.00% | 2.78% |
| Q1 2025 | 11.86% | 0.70% | 0.00% | 0.00% | 2.61% |
| Q4 2024 | 11.94% | 0.70% | 0.00% | 0.00% | 2.54% |
| Q3 2024 | 11.68% | 0.42% | 0.00% | 0.00% | 2.25% |
Swipe the table sideways to see every column.
Branch Network
View all 4 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Enterprise Bank (main office) | Omaha , NE | 68154 | $235.8M |
| Enterprise Bank Center Street Branch | Omaha , NE | 68144 | $177.5M |
| Regency Parkway Branch | Omaha , NE | 68114 | $44.6M |
| 12800 West Center Road Branch | Omaha , NE | 68144 | $0 |
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 |
|---|---|---|---|
| March 19, 1999 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 1 event.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- October 25, 2011, OCC: Civil Money Penalty (CMP): Enterprise Bank, National Association
- Period: Most recent institution action October 25, 2011. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.5% of deposits in NE, rank 42 of 160 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $1.0M approved, $1.0M 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).
- Not on file
- Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Enterprise Bank
What are Enterprise Bank's total assets?
As of the Q2 2026 filing, Enterprise Bank reported total assets of $574.0 million in its FFIEC call report.
Where is Enterprise Bank headquartered?
It is headquartered in Omaha, NE, United States.
When was Enterprise Bank founded?
It was established in 1991, per the FDIC institution directory.
Is Enterprise Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #33380). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Enterprise Bank?
Enterprise Bank's primary federal regulator is the Federal Reserve.
What is Enterprise Bank's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.78% in its Q2 2026 call report, above regulatory requirements.
How many branches does Enterprise Bank operate?
It operates 4 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's Texas Ratio?
Its Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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