Enterprise Bank of South Carolina: Regulatory Capital and Risk-Weighted Assets
As of 2Q26, from Call Report Schedule RC-R.
Capital conservation buffer: 8.13% (2Q26), against the 2.50% a bank must hold above each risk-based minimum to pay dividends and discretionary bonuses without limits. The buffer is the smallest of the three cushions over the minimums; here the binding ratio is Total capital. The bank clears the requirement. Filed figure: 8.13% (RCOAH311).
What each ratio is made of, 2Q26
Open a ratio to see its numerator and denominator as filed, our recomputation, and how far it sits above each regulatory line.
Common equity Tier 1 ratio 15.47% +8.97 pp over well capitalized
Common equity Tier 1 is the loss-absorbing core: common stock, retained earnings and most of accumulated other comprehensive income, less goodwill, intangibles and other deductions. It is measured against risk-weighted assets.
| Common equity Tier 1 capital | $48.9M | 48,881 | RCOAP859 |
|---|---|---|---|
| Divided by total risk-weighted assets | $316.0M | 316,045 | RCOAA223 |
| Recomputed ratio | 15.47% | numerator / denominator | |
| Filed ratio | 15.47% | RCOAP793 | |
| Regulatory minimum | 4.50% | ||
| Minimum plus conservation buffer | 7.00% | ||
| Well-capitalized level | 6.50% | ||
| Cushion over that level | +8.97 pp | $28.3M | capital that could be lost first |
Tier 1 risk-based capital ratio 15.47% +7.47 pp over well capitalized
Tier 1 adds additional Tier 1 instruments, such as qualifying noncumulative perpetual preferred stock, to common equity Tier 1. Measured against risk-weighted assets.
| Tier 1 capital | $48.9M | 48,881 | RCOA8274 |
|---|---|---|---|
| Divided by total risk-weighted assets | $316.0M | 316,045 | RCOAA223 |
| Recomputed ratio | 15.47% | numerator / denominator | |
| Filed ratio | 15.47% | RCOA7206 | |
| Regulatory minimum | 6.00% | ||
| Minimum plus conservation buffer | 8.50% | ||
| Well-capitalized level | 8.00% | ||
| Cushion over that level | +7.47 pp | $23.6M | capital that could be lost first |
Total risk-based capital ratio 16.13% +6.13 pp over well capitalized
Total capital adds Tier 2, mostly qualifying subordinated debt and the allowance for credit losses up to 1.25% of risk-weighted assets, to Tier 1. Measured against risk-weighted assets.
| Total capital | $51.0M | 50,969 | RCOA3792 |
|---|---|---|---|
| Divided by total risk-weighted assets | $316.0M | 316,045 | RCOAA223 |
| Recomputed ratio | 16.13% | numerator / denominator | |
| Filed ratio | 16.13% | RCOA7205 | |
| Regulatory minimum | 8.00% | ||
| Minimum plus conservation buffer | 10.50% | ||
| Well-capitalized level | 10.00% | ||
| Cushion over that level | +6.13 pp | $19.4M | capital that could be lost first |
Tier 1 leverage ratio 9.26% +4.26 pp over well capitalized
Tier 1 capital over average total assets for the quarter, with no risk weighting. It caps how far a bank can grow on low-risk-weight assets.
| Tier 1 capital | $48.9M | 48,881 | RCOA8274 |
|---|---|---|---|
| Divided by average total assets for the leverage ratio | $527.6M | 527,629 | RCOAA224 |
| Recomputed ratio | 9.26% | numerator / denominator | |
| Filed ratio | 9.26% | RCOA7204 | |
| Regulatory minimum | 4.00% | ||
| Well-capitalized level | 5.00% | ||
| Cushion over that level | +4.26 pp | $22.5M | capital that could be lost first |
Amounts in the middle column are thousands of dollars as filed. Ratios are the standardized column of Schedule RC-R Part I.
The capital stack, $ thousands
From common equity to total capital, then the denominators the ratios divide by. Negatives in parentheses.
| Line | 2Q26 | 1Q26 | 4Q25 | 3Q25 | 2Q25 | 1Q25 | Source |
|---|---|---|---|---|---|---|---|
| Common stock plus related surplus, net of treasury stock | 19,120 | 19,120 | 19,120 | 19,120 | 19,120 | 19,120 | RCOAP742 |
| Retained earnings | 41,341 | 36,749 | 25,919 | 17,516 | 16,474 | 15,382 | RCOAKW00 |
| Accumulated other comprehensive income | (11,766) | (15,137) | (15,342) | (15,941) | (16,722) | (17,429) | RCOAB530 |
| Common equity Tier 1 minority interest | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP839 |
| Common equity Tier 1 capital before adjustments and deductions | 48,695 | 40,732 | 29,697 | 20,695 | 18,872 | 17,073 | RCOAP840 |
| Adjustments and deductions from common equity Tier 1 | 186 | 7,597 | 7,802 | 15,941 | 16,722 | 17,429 | P859 - P840 |
| Common equity Tier 1 capital | 48,881 | 48,329 | 37,499 | 36,636 | 35,594 | 34,502 | RCOAP859 |
| Additional Tier 1 capital | 0 | 0 | 0 | 0 | 0 | 0 | RCOAP865 |
| Tier 1 capital | 48,881 | 48,329 | 37,499 | 36,636 | 35,594 | 34,502 | RCOA8274 |
| Tier 2 capital | 2,088 | 2,102 | 1,947 | 1,948 | 1,804 | 1,763 | RCOA5311 |
| Allowance includable in Tier 2 capital | 2,088 | 2,102 | 1,947 | 1,948 | 1,804 | 1,763 | RCOA5310 |
| Total capital | 50,969 | 50,431 | 39,446 | 38,584 | 37,398 | 36,265 | RCOA3792 |
| Total risk-weighted assets | 316,045 | 306,904 | 294,590 | 288,404 | 276,405 | 271,601 | RCOAA223 |
| Average total assets for the leverage ratio | 527,629 | 507,127 | 495,051 | 507,134 | 512,699 | 509,232 | RCOAA224 |
Risk-weighted assets by exposure category, 2Q26
Each category's exposure is filed across the risk-weight columns of Schedule RC-R Part II; its risk-weighted assets are each allocation times its weight. The average risk weight says how much capital a dollar of that exposure consumes.
| Category | Exposure | Risk-weighted | Avg weight | Share of RWA | Source |
|---|---|---|---|---|---|
| Cash and balances due | $33.4M | $841K | 2.52% | 0.27% | RC-R Part II, item 1 |
| Securities (HTM and AFS) | $174.3M | $40.3M | 23.12% | 12.75% | RC-R Part II, item 2.a, 2.b |
| Loans: residential mortgage | $128.0M | $68.2M | 53.29% | 21.59% | RC-R Part II, item 4.a, 5.a |
| Loans: past due and nonaccrual | $10.7M | $15.5M | 145.00% | 4.91% | RC-R Part II, item 4.c, 5.c |
| Loans: all other | $155.1M | $148.7M | 95.90% | 47.07% | RC-R Part II, item 4.d, 5.d |
| All other assets | $35.9M | $35.1M | 97.89% | 11.12% | RC-R Part II, item 8 |
| Off-balance-sheet commitments and letters of credit | $7.4M | $7.3M | 98.33% | 2.31% | RC-R Part II, item 12, 13, 14, 15, 17, 18.a, 18.b |
How the categories add up to total risk-weighted assets
| Categories above, excluding market risk and other approaches | $316.0M | ties to item 31 ($316.0M) |
|---|---|---|
| Risk-weighted assets before deductions | $316.0M | RCONB704 |
| Less: excess allowance for credit losses | $0 | A222 |
| Less: allocated transfer risk reserve | $0 | 3128 |
| Total risk-weighted assets | $316.0M | RCONG641, ties |
12 quarters against the asset-tier median
| Quarter | Framework | CET1 | Tier 1 | Total capital | Leverage | Tier median CET1 | Tier median Tier 1 | Tier median Total capital | Tier median Leverage |
|---|---|---|---|---|---|---|---|---|---|
| 2Q26 | Risk-based | 15.47% | 15.47% | 16.13% | 9.26% | 15.12% | 15.12% | 16.26% | 10.99% |
| 1Q26 | Risk-based | 15.75% | 15.75% | 16.43% | 9.53% | 14.98% | 15.01% | 16.09% | 10.86% |
| 4Q25 | Risk-based | 12.73% | 12.73% | 13.39% | 7.57% | 14.89% | 14.90% | 16.02% | 10.79% |
| 3Q25 | Risk-based | 12.70% | 12.70% | 13.38% | 7.22% | 14.82% | 14.86% | 15.98% | 10.87% |
| 2Q25 | Risk-based | 12.88% | 12.88% | 13.53% | 6.94% | 14.75% | 14.79% | 15.93% | 10.80% |
| 1Q25 | Risk-based | 12.70% | 12.70% | 13.35% | 6.78% | 14.77% | 14.82% | 15.94% | 10.70% |
| 4Q24 | Risk-based | 12.50% | 12.50% | 13.19% | 6.88% | 14.67% | 14.74% | 15.75% | 10.61% |
| 3Q24 | Risk-based | 12.67% | 12.67% | 13.50% | 7.00% | 14.69% | 14.72% | 15.80% | 10.69% |
| 2Q24 | Risk-based | 12.16% | 12.16% | 12.89% | 6.61% | 14.55% | 14.57% | 15.69% | 10.61% |
| 1Q24 | Risk-based | 11.72% | 11.72% | 12.55% | 6.65% | 14.58% | 14.60% | 15.70% | 10.54% |
| 4Q23 | Risk-based | 11.34% | 11.34% | 12.00% | 6.43% | 14.42% | 14.45% | 15.56% | 10.55% |
| 3Q23 | Risk-based | 11.16% | 11.16% | 11.78% | 6.15% | 14.65% | 14.67% | 15.79% | 10.60% |
NA means not filed for that quarter: a community bank leverage ratio filer files no risk-based ratios. Tier medians are the served benchmark for banks in the same asset tier.
Against similar banks, 2Q26
| Bank | Assets | Framework | CET1 | Tier 1 | Total capital | Leverage |
|---|---|---|---|---|---|---|
| Enterprise Bank of South Carolina (this bank) | Risk-based | 15.47% | 15.47% | 16.13% | 9.26% | |
| First State Bank of St. Charles, Missouri | $535.2M | Risk-based | 15.77% | 15.77% | 17.01% | 15.65% |
| Shoreham Bank | $534.8M | Risk-based | 12.73% | 12.73% | 13.99% | 10.65% |
| Triad Business Bank | $536.0M | Risk-based | 11.54% | 11.54% | 12.29% | 10.86% |
| Pan American Bank & Trust | $536.1M | Risk-based | 10.54% | 10.54% | 11.79% | 8.63% |
| The Murray Bank | $534.1M | CBLR | NA | NA | NA | 9.96% |
| Bank of Lake Mills | $533.8M | Risk-based | 12.81% | 12.81% | 13.29% | 11.24% |
| First Nations Bank | $536.6M | Risk-based | 18.51% | 18.51% | 19.77% | 14.11% |
| Essex Bank | $536.6M | CBLR | NA | NA | NA | 12.87% |
| Southern Bank of Tennessee | $533.4M | CBLR | NA | NA | NA | 9.01% |
| Homestead Bank | $537.0M | CBLR | NA | NA | NA | 18.62% |
| Peer 25th percentile | 11.83% | 11.83% | 12.54% | 10.13% | ||
| Peer median | 12.77% | 12.77% | 13.64% | 11.05% | ||
| Peer 75th percentile | 15.03% | 15.03% | 16.25% | 13.80% | ||
| This bank's percentile | 67 | 67 | 67 | 20 |
Peer ratios use the same basis as this bank: the standardized column of Schedule RC-R where served, the filed summary otherwise. Similar banks are the nearest banks by size in the same asset tier.
Source: FFIEC Call Report Schedule RC-R, Parts I and II, as filed. Well capitalized means at least 6.5% CET1, 8% Tier 1, 10% total capital and 5% leverage under the prompt corrective action rules; a community bank leverage ratio filer must instead hold the leverage ratio its framework requires. The same figures are in the API at /api/v1/banks/457426/regulatory-capital/ and in the Excel workbook. Next: the capital tab, the peer group page, or the full profile.