Enterprise Bank of South Carolina: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Enterprise Bank of South Carolina of Ehrhardt, SC against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 3.85% | 1.34% | +2.51% | 99th top |
| ROAE | 46.46% | 12.04% | +34.42% | 99th top |
| Net Interest Margin Ahead of the peer average, behind the median peer. | 3.91% | 3.90% | +0.01% | 48th below |
| Efficiency Ratio | 74.47% | 63.14% | +11.33% | 20th bottom |
| PPNR / Avg Assets | 1.00% | 1.64% | -0.64% | 21st bottom |
| Yield on Earning Assets | 4.94% | 5.65% | -0.71% | 21st bottom |
| Cost of Funds | 1.07% | 1.85% | -0.78% | 89th top |
| Net Interest Spread | 3.59% | 3.35% | +0.24% | 64th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 3.64% | 0.92% | +2.72% | 4th bottom |
| NPA / Total Assets | 2.00% | 0.67% | +1.33% | 8th bottom |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.13% | 0.15% | -0.02% | 17th bottom |
| ACL / Total Loans | 0.71% | 1.28% | -0.57% | 7th bottom |
| ACL / NPLs (Coverage) | 19.51% | 1645.83% | -1626.32% | 1st bottom |
| Texas Ratio | 21.06% | 7.14% | +13.92% | 7th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 186.34% | 1189.81% | -1003.47% | 56th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 15.47% | 20.83% | -5.36% | 54th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 15.47% | 20.86% | -5.39% | 53rd above |
| Total Capital Ratio | 16.13% | 21.94% | -5.81% | 49th below |
| Leverage Ratio | 9.26% | 12.46% | -3.20% | 17th bottom |
| Equity / Assets | 9.10% | 11.67% | -2.57% | 29th below |
| TCE / Tangible Assets | 9.10% | 11.40% | -2.30% | 33rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 62.23% | 78.65% | -16.42% | 81st top |
| Core Deposit Ratio | 90.69% | 87.09% | +3.60% | 59th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 9.41% | 6.47% | +2.94% | 81st top |
| Loan Growth (Y/Y) | 11.23% | 7.64% | +3.59% | 77th top |
| Deposit Growth (Y/Y) | 0.84% | 6.02% | -5.18% | 28th below |
See Enterprise Bank of South Carolina's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Enterprise Bank of South Carolina, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Enterprise Bank of South Carolina profile, how to read a UBPR, or how this data updates.