Enterprise Bank: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Retained earnings rose 3.3% from Q1 2026 to Q2 2026, ending at $22.8M against $22.1M. It was the largest change among the key lines on this page. On CET1 ratio, Enterprise Bank is 8th from the bottom among 72 Pennsylvania banks, 11.34% (Q2 2026). The median for banks in the $100M-1B asset tier is 15.07% on CET1 ratio. Enterprise Bank sits 3.73 points lower, at 11.34% (Q2 2026).
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 11.34% |
| Tier 1 risk-based capital ratio | 11.34% |
| Total risk-based capital ratio | 11.67% |
| Tier 1 leverage ratio | 8.15% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $42.0M |
| Tier 1 capital | $42.0M |
| Total risk-based capital | $43.2M |
| Total equity capital | $42.0M |
| Risk-weighted assets | $370.4M |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 8.01% |
| Tangible equity to tangible assets | 8.01% |
| Equity capital to average assets | 8.16% |
| Internal capital growth rate | 7.15% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $534K |
| Common stock surplus | $18.7M |
| Retained earnings | $22.8M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | $0 |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 11.20% | 11.20% | 11.61% | 8.42% | $309.2M |
| Q4 2023 | 11.18% | 11.18% | 11.61% | 8.44% | $315.6M |
| Q1 2024 | 11.31% | 11.31% | 11.83% | 8.38% | $316.5M |
| Q2 2024 | 11.24% | 11.24% | 11.81% | 8.47% | $317.2M |
| Q3 2024 | 11.60% | 11.60% | 11.99% | 8.50% | $318.7M |
| Q4 2024 | 11.91% | 11.91% | 12.29% | 8.62% | $326.8M |
| Q1 2025 | 11.22% | 11.22% | 11.62% | 7.91% | $335.2M |
| Q2 2025 | 11.34% | 11.34% | 11.68% | 8.37% | $344.9M |
| Q3 2025 | 11.34% | 11.34% | 11.66% | 8.10% | $353.3M |
| Q4 2025 | 11.53% | 11.53% | 11.84% | 8.04% | $352.4M |
| Q1 2026 | 11.11% | 11.11% | 11.43% | 8.30% | $371.5M |
| Q2 2026 | 11.34% | 11.34% | 11.67% | 8.15% | $370.4M |
Enterprise Bank regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Enterprise Bank, freeSource: Call Report Schedule RC-R, 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 34786) · FFIEC NIC profile (RSSD 2730431)