Enterprise Bank of South Carolina: 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 Return on equity: 76.54 percentage points lower than in Q1 2026, at 46.46%. As of Q2 2026, Enterprise Bank of South Carolina ranks first in South Carolina on return on assets among 44 banks, at 3.85%. Against a median of 1.25% for banks in the $100M-1B asset tier, Enterprise Bank of South Carolina reported 3.85% on return on assets in Q2 2026, 2.60 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.47% |
| Tier 1 risk-based capital ratio | 15.47% |
| Total risk-based capital ratio | 16.13% |
| Tier 1 leverage ratio | 9.26% |
| Equity capital to assets | 9.10% |
| Tangible equity to tangible assets | 9.10% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 3.64% |
| Non-performing assets ratio | 2.00% |
| Net charge-off ratio | 0.13% |
| Texas ratio | 21.06% |
| Allowance for credit losses to loans | 0.71% |
| Reserve coverage of non-performing loans | 19.51% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 3.85% |
| Return on equity | 46.46% |
| Net interest margin | 3.91% |
| Efficiency ratio | 74.47% |
| Yield on earning assets | 4.94% |
| Cost of funds | 1.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.23% |
| Core deposits to total deposits | 90.69% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.24% |
| Securities to assets | 32.53% |
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 | 11.16% | 11.16% | 11.78% | 6.15% | -2.04% |
| Q4 2023 | 11.34% | 11.34% | 12.00% | 6.43% | 0.67% |
| Q1 2024 | 11.72% | 11.72% | 12.55% | 6.65% | 0.50% |
| Q2 2024 | 12.16% | 12.16% | 12.89% | 6.61% | 0.41% |
| Q3 2024 | 12.67% | 12.67% | 13.50% | 7.00% | 0.61% |
| Q4 2024 | 12.50% | 12.50% | 13.19% | 6.88% | 0.51% |
| Q1 2025 | 12.70% | 12.70% | 13.35% | 6.78% | 0.65% |
| Q2 2025 | 12.88% | 12.88% | 13.53% | 6.94% | 0.85% |
| Q3 2025 | 12.70% | 12.70% | 13.38% | 7.22% | 0.82% |
| Q4 2025 | 12.73% | 12.73% | 13.39% | 7.57% | 6.69% |
| Q1 2026 | 15.75% | 15.75% | 16.43% | 9.53% | 8.42% |
| Q2 2026 | 15.47% | 15.47% | 16.13% | 9.26% | 3.85% |
Enterprise Bank of South Carolina vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Enterprise Bank of South Carolina, 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 of South Carolina profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 11539) · FFIEC NIC profile (RSSD 457426)