Enterprise Bank of South Carolina
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Data as of · sourced from FFIEC call reports. How we update
Enterprise Bank of South Carolina is an FDIC-insured commercial bank headquartered in Ehrhardt, SC, established in 1920 (FDIC certificate 11539), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $535.1M, up 9.4% from Q2 2025, the 23rd largest of 43 banks headquartered in South Carolina. Its CET1 capital ratio was 15.47% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 11539
- Headquarters
- Ehrhardt, SC
- Established
- 1920
- Total assets, Q2 2026
- $535.1M
- Assets vs Q2 2025
- +9.4%
- CET1 ratio, Q2 2026
- 15.47%
- Domestic offices
- 12 FDIC institution directory, current count
- Routing number
- 053202871
- Latest call report
- Q2 2026, FFIEC 051 · Enterprise Bank of South Carolina call report
- Holding company
- VARN FINANCIAL CORPORATION
- Asset rank in state
- 23rd of 43 in South Carolina
Enterprise Bank of South Carolina is one of the more profitable banks of its size. Based in Ehrhardt, South Carolina, it had $535 million in assets at June 30, 2026, up 9.4% from a year earlier. It earns about $3.85 a year on every $100 of assets, about triple the median of $1.28 for the 2,660 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 21.1% of the capital and reserves that would absorb them, 8.0 times the median of 2.6% for banks its size.
Loans are outrunning deposits: over the year loans rose 11.2% and deposits rose 0.8%. Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 3.64% of loans, down from 4.16% a year earlier. Where it has less room is capital: it funds 9.26% of its assets with Tier 1 capital, lower than about three-quarters of banks its size (median 10.99%).
As of June 30, 2026, Enterprise Bank of South Carolina reported a CET1 capital ratio of 15.47%, a return on assets of 3.85%, a nonperforming-loan ratio of 3.64% and a Texas ratio of 21.06%. The figures come from its call report filed with the FFIEC.
Of the 43 banks headquartered in South Carolina, Enterprise Bank of South Carolina is the 23rd largest by total assets at Q2 2026. Quarter on quarter (Q1 2026 to Q2 2026), its total assets rose 2.5% to $535.1M, loans rose 2.9% and deposits rose 1.2%. Its loan book on June 30, 2026 was led by 1-4 family residential loans, at 43.9% of total loans, followed by owner-occupied commercial real estate loans at 15.0%. The FDIC Summary of Deposits lists 12 offices for it, in 11 cities in SC; its Walterboro 2 offices book 19% of its branch deposits. On its Q2 2026 call report, Enterprise Bank of South Carolina meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 13497 Broxton Bridge Rd, Ehrhardt, SC 29081
- County
- Bamberg
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Atlanta (Region 5)
- Federal Reserve member
- No
- Federal Reserve district
- District 5, Richmond
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1920
- Domestic offices
- 12 FDIC institution directory, current count
- Employees (FTE)
- 97
- Domestic deposits
- $472.2M
- Allowance for credit losses
- $2.1M
- Net charge-offs (YTD)
- $161K
- Average total assets
- $539.2M
- Average total loans
- $289.6M
- Average interest-bearing deposits
- $369.1M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 11539
- Fed RSSD
- 457426
- Website
- https://ebsc.bank →
- Parent Holding Company
- VARN FINANCIAL CORPORATION (RSSD 5975952)
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 of South Carolina's total assets ran between $456.1M (Q1 2024) and $535.1M (Q2 2026), and it earned a profit in 11 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$535.1M total assets against $489.1M; $486.4M total liabilities against $470.2M.
$291.8M net loans and leases against $262.4M; $472.2M total deposits against $468.3M.
$174.1M securities against $168.5M; $33.4M cash and balances due against $48.1M.
$6.0M total interest income against $6.1M; $1.3M total interest expense against $1.7M.
$4.8M net interest income against $4.4M.
$571K total noninterest income against $577K; $4.0M total noninterest expense against $3.6M.
$75K provision for credit losses against $225K.
$5.2M net income against $1.1M.
3.85% return on assets against 0.85%; 3.91% net interest margin against 3.65%.
15.47% CET1 capital ratio against 12.88%; 9.26% tier 1 leverage ratio against 6.94%.
Inside the full Enterprise Bank of South Carolina 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.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Enterprise Bank of South Carolina rankings
Its closest position to the top of a national ranking is 25 of 3,611, for ROA; its furthest is 3,021 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.51% (Q4 2024) to 8.42% (Q1 2026) and its net interest margin ran from 3.07% (Q4 2024) to 3.91% (Q2 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 15.47% | 3.85% | 3.64% | 21.06% | 3.91% |
| Q1 2026 | 15.75% | 8.42% | 3.70% | 24.66% | 3.63% |
| Q4 2025 | 12.73% | 6.69% | 3.78% | 33.25% | 3.74% |
| Q3 2025 | 12.70% | 0.82% | 4.06% | 49.59% | 3.57% |
| Q2 2025 | 12.88% | 0.85% | 4.16% | 53.09% | 3.65% |
| Q1 2025 | 12.70% | 0.65% | 3.89% | 53.76% | 3.23% |
| Q4 2024 | 12.50% | 0.51% | 4.77% | 71.67% | 3.07% |
| Q3 2024 | 12.67% | 0.61% | 3.49% | 52.98% | 3.15% |
Swipe the table sideways to see every column.
Branch Network
View all 12 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 |
|---|---|---|---|
| Walterboro Branch | Walterboro , SC | 29488 | $89.2M |
| Barnwell Branch | Barnwell , SC | 29812 | $88.0M |
| Enterprise Bank of South Carolina (main office) | Ehrhardt , SC | 29081 | $77.2M |
| Bamberg Branch | Bamberg , SC | 29003 | $50.0M |
| Edisto Island Branch | Edisto Island , SC | 29438 | $39.2M |
| Blackville Branch | Blackville , SC | 29817 | $25.1M |
| Williston Branch | Williston , SC | 29853 | $24.5M |
| Ridgeville Branch | Ridgeville , SC | 29472 | $22.1M |
| Cottageville Branch | Cottageville , SC | 29435 | $20.3M |
| Denmark Branch | Denmark , SC | 29042 | $18.3M |
| Springfield Branch | Springfield , SC | 29146 | $15.8M |
| Bells Highway Branch | Walterboro , SC | 29488 | $2.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 0.4% of deposits in SC, rank 38 of 73 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 125 applications, 102 loans originated, $41.5M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $471K approved, $471K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2021 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, 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 of South Carolina
What are Enterprise Bank of South Carolina's total assets?
As of the Q2 2026 filing, Enterprise Bank of South Carolina reported total assets of $535.1 million in its FFIEC call report.
Where is Enterprise Bank of South Carolina headquartered?
It is headquartered in Ehrhardt, SC, United States.
When was Enterprise Bank of South Carolina founded?
It was established in 1920, per the FDIC institution directory.
Is Enterprise Bank of South Carolina FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #11539). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Enterprise Bank of South Carolina?
Enterprise Bank of South Carolina's primary federal regulator is the FDIC.
What is Enterprise Bank of South Carolina's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.47% in its Q2 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does Enterprise Bank of South Carolina operate?
It operates 12 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 of South Carolina's Texas Ratio?
Its Texas Ratio is 21.06% 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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