Enterprise Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 4.00 percentage points lower than in Q1 2026, at 86.46%. Enterprise Bank ranks 81st of 109 Pennsylvania banks on return on assets, in the lower half at 0.68% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Enterprise Bank sits 0.56 points lower, at 0.68% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.34% |
| Tier 1 risk-based capital ratio | 11.34% |
| Total risk-based capital ratio | 11.67% |
| Tier 1 leverage ratio | 8.15% |
| Equity capital to assets | 8.01% |
| Tangible equity to tangible assets | 8.01% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 7.70% |
| Non-performing assets ratio | 7.80% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 94.86% |
| Allowance for credit losses to loans | 0.32% |
| Reserve coverage of non-performing loans | 4.12% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.68% |
| Return on equity | 8.46% |
| Net interest margin | 2.96% |
| Efficiency ratio | 75.24% |
| Yield on earning assets | 5.98% |
| Cost of funds | 3.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.46% |
| Core deposits to total deposits | 55.87% |
| Brokered deposits to total deposits | 41.31% |
| Deposits to assets | 79.23% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.20% | 11.20% | 11.61% | 8.42% | 0.86% |
| Q4 2023 | 11.18% | 11.18% | 11.61% | 8.44% | 0.69% |
| Q1 2024 | 11.31% | 11.31% | 11.83% | 8.38% | 0.54% |
| Q2 2024 | 11.24% | 11.24% | 11.81% | 8.47% | 0.25% |
| Q3 2024 | 11.60% | 11.60% | 11.99% | 8.50% | 1.26% |
| Q4 2024 | 11.91% | 11.91% | 12.29% | 8.62% | 1.82% |
| Q1 2025 | 11.22% | 11.22% | 11.62% | 7.91% | 0.51% |
| Q2 2025 | 11.34% | 11.34% | 11.68% | 8.37% | 1.28% |
| Q3 2025 | 11.34% | 11.34% | 11.66% | 8.10% | 1.31% |
| Q4 2025 | 11.53% | 11.53% | 11.84% | 8.04% | 0.63% |
| Q1 2026 | 11.11% | 11.11% | 11.43% | 8.30% | 0.88% |
| Q2 2026 | 11.34% | 11.34% | 11.67% | 8.15% | 0.68% |
Enterprise Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Enterprise Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)