Enterprise Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Loan-to-deposit ratio climbed 6.45 percentage points in Q2 2026, from 98.00% to 104.45%. It was the largest change from Q1 2026 among the key lines here. On loan-to-deposit ratio, Enterprise Bank ranks 9th highest among the 138 banks headquartered in Nebraska, at 104.45% (Q2 2026). Enterprise Bank reported 104.45% on loan-to-deposit ratio for Q2 2026, 23.90 points above the 80.55% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $478.4M |
| Net loans and leases | $473.0M |
| Loans held for sale | $100K |
| Loans to total assets | 83.34% |
| Loan-to-deposit ratio | 104.45% |
| Net loans to equity capital | 7.36% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 58.70% |
| Multifamily (5+ residential) | 8.20% |
| Commercial and industrial | 12.12% |
| Consumer | 0.65% |
| Credit cards | 0.00% |
| Farm | 0.11% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 449.83% |
| Construction concentration (Tier 1 capital + allowance) | 72.44% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.19% |
| Interest income on loans | $7.3M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $405.8M | $361.4M | 52.72% | 10.42% | 0.78% |
| Q4 2023 | $433.0M | $395.4M | 51.71% | 11.18% | 0.77% |
| Q1 2024 | $431.5M | $409.1M | 52.81% | 12.03% | 0.72% |
| Q2 2024 | $438.0M | $403.3M | 54.23% | 11.54% | 0.73% |
| Q3 2024 | $446.6M | $419.3M | 54.33% | 11.35% | 0.69% |
| Q4 2024 | $447.1M | $418.3M | 55.54% | 11.46% | 0.72% |
| Q1 2025 | $450.1M | $424.7M | 54.16% | 13.02% | 0.69% |
| Q2 2025 | $462.8M | $422.7M | 53.70% | 12.44% | 0.70% |
| Q3 2025 | $464.4M | $431.3M | 54.00% | 12.77% | 0.75% |
| Q4 2025 | $464.2M | $461.0M | 56.16% | 13.00% | 0.79% |
| Q1 2026 | $474.4M | $484.1M | 58.18% | 11.88% | 0.69% |
| Q2 2026 | $478.4M | $458.0M | 58.70% | 12.12% | 0.65% |
Enterprise Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Enterprise Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Enterprise Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33380) · FFIEC NIC profile (RSSD 1836701)