Enterprise Bank of South Carolina: 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) dropped 8.53 percentage points in Q2 2026, from 51.23% to 42.69%. It was the largest change from Q1 2026 among the key lines here. Enterprise Bank of South Carolina ranks 34th of 44 South Carolina banks on loan-to-deposit ratio, in the lower half at 62.23% (Q2 2026). Enterprise Bank of South Carolina reported 62.23% on loan-to-deposit ratio for Q2 2026, 18.61 points below the 80.84% median for banks in the $100M-1B asset tier.
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $293.9M |
| Net loans and leases | $291.8M |
| Loans held for sale | $0 |
| Loans to total assets | 54.91% |
| Loan-to-deposit ratio | 62.23% |
| Net loans to equity capital | 5.99% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 29.42% |
| Multifamily (5+ residential) | 0.00% |
| Commercial and industrial | 7.83% |
| Consumer | 3.85% |
| Credit cards | 0.00% |
| Farm | 6.41% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.19% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 125.82% |
| Construction concentration (Tier 1 capital + allowance) | 42.69% |
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 | $4.5M |
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 | $259.0M | $456.4M | 29.91% | 14.75% | 6.39% |
| Q4 2023 | $262.0M | $446.9M | 30.07% | 14.53% | 6.31% |
| Q1 2024 | $258.7M | $442.9M | 31.49% | 14.95% | 6.27% |
| Q2 2024 | $256.2M | $445.7M | 30.71% | 14.14% | 6.18% |
| Q3 2024 | $252.9M | $442.7M | 29.43% | 14.12% | 5.99% |
| Q4 2024 | $258.5M | $476.7M | 28.82% | 13.29% | 6.25% |
| Q1 2025 | $260.5M | $486.6M | 29.62% | 12.71% | 6.71% |
| Q2 2025 | $264.2M | $468.3M | 30.51% | 12.75% | 6.07% |
| Q3 2025 | $276.5M | $466.7M | 28.65% | 14.54% | 5.62% |
| Q4 2025 | $278.7M | $459.7M | 26.52% | 14.69% | 5.58% |
| Q1 2026 | $285.5M | $466.5M | 28.45% | 8.58% | 4.15% |
| Q2 2026 | $293.9M | $472.2M | 29.42% | 7.83% | 3.85% |
Enterprise Bank of South Carolina loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Enterprise Bank of South Carolina, 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 of South Carolina profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11539) · FFIEC NIC profile (RSSD 457426)