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.
Construction concentration (tier 1 capital + allowance) climbed 11.92 percentage points in Q2 2026, from 99.67% to 111.59%. It was the largest change from Q1 2026 among the key lines here. Enterprise Bank ranks 55th of 109 Pennsylvania banks on loan-to-deposit ratio, in the lower half at 86.46% (Q2 2026). Enterprise Bank reported 86.46% on loan-to-deposit ratio for Q2 2026, 5.63 points above the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $359.4M |
| Net loans and leases | $358.3M |
| Loans held for sale | $0 |
| Loans to total assets | 68.51% |
| Loan-to-deposit ratio | 86.46% |
| Net loans to equity capital | 8.52% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 62.18% |
| Multifamily (5+ residential) | 5.17% |
| Commercial and industrial | 8.98% |
| Consumer | 0.00% |
| Credit cards | 0.00% |
| Farm | 0.55% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 394.64% |
| Construction concentration (Tier 1 capital + allowance) | 111.59% |
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 | — |
| Interest income on loans | $6.1M |
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 | $318.4M | $303.7M | 71.75% | 10.31% | 0.02% |
| Q4 2023 | $326.8M | $319.8M | 70.40% | 10.55% | 0.02% |
| Q1 2024 | $331.0M | $324.4M | 67.67% | 9.24% | 0.01% |
| Q2 2024 | $327.8M | $326.1M | 69.24% | 8.47% | 0.01% |
| Q3 2024 | $331.6M | $342.1M | 68.28% | 8.33% | 0.01% |
| Q4 2024 | $327.5M | $359.7M | 66.50% | 8.76% | 0.01% |
| Q1 2025 | $329.2M | $367.7M | 66.33% | 8.90% | 0.01% |
| Q2 2025 | $340.0M | $380.7M | 65.07% | 8.34% | 0.01% |
| Q3 2025 | $340.0M | $400.5M | 64.80% | 8.95% | 0.00% |
| Q4 2025 | $337.9M | $389.6M | 65.15% | 8.87% | 0.00% |
| Q1 2026 | $360.4M | $398.4M | 64.33% | 9.17% | 0.00% |
| Q2 2026 | $359.4M | $415.7M | 62.18% | 8.98% | 0.00% |
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 34786) · FFIEC NIC profile (RSSD 2730431)