Enterprise Bank & Trust
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Data as of · sourced from FFIEC call reports. How we update
Enterprise Bank & Trust is an FDIC-insured commercial bank headquartered in Clayton, MO, established in 1988 (FDIC certificate 27237), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $17.36B, up 8.2% from Q2 2025, the 5th largest of 191 banks headquartered in Missouri. Its CET1 capital ratio was 12.07% at Q2 2026, above regulatory requirements.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 27237
- Headquarters
- Clayton, MO
- Established
- 1988
- Total assets, Q2 2026
- $17.36B
- Assets vs Q2 2025
- +8.2%
- CET1 ratio, Q2 2026
- 12.07%
- Domestic offices
- 57 FDIC institution directory, current count
- Routing number
- 081006162
- Latest call report
- Q2 2026, FFIEC 041 · Enterprise Bank & Trust call report
- Holding company
- ENTERPRISE FINANCIAL SERVICES CORP
- Asset rank in state
- 5th of 191 in Missouri
Enterprise Bank & Trust, based in Clayton, Missouri, reported $17.4 billion in assets at June 30, 2026, up 8.2% from a year earlier. It carries problem assets equal to 9.2% of the capital and reserves that would absorb them, about double the median of 4.2% for the 127 banks with $10 billion to $100 billion in assets. On the other hand, it keeps 4.31 cents of net interest income on every dollar of earning assets, higher than about three-quarters of banks its size (median 3.63 cents).
Net income for the quarter slipped 18% from a year earlier, to $44 million. Over the same year, loans grew 4.2% and deposits grew 9.5%. Where it has less room is capital: it holds common equity equal to 12.07% of its risk-weighted assets, lower than about three-quarters of banks its size (median 12.98%).
As of June 30, 2026, Enterprise Bank & Trust reported a CET1 capital ratio of 12.07%, a return on assets of 1.02%, a nonperforming-loan ratio of 0.98% and a Texas ratio of 9.20%. The figures come from its call report filed with the FFIEC.
Enterprise Bank & Trust ranks as the 5th largest of the 191 banks based in Missouri, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets rose 0.9% to $17.36B, loans rose 1.7% and deposits rose 0.5%. Commercial and industrial loans made up 37.9% of its total loans on June 30, 2026, its largest category; next came non-owner-occupied commercial real estate loans at 22.9%. The FDIC Summary of Deposits lists 54 offices for it, in 44 cities across 7 states; its Encinitas office books 28% of its branch deposits. On its Q2 2026 call report, Enterprise Bank & Trust meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 150 N Meramec Ave, Clayton, MO 63105
- County
- St. Louis
- Metro Area
- St. Louis, MO-IL
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Kansas City (Region 11)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Limited trust powers granted
- Call Report form
- FFIEC 041
- Established
- May 9, 1988
- Domestic offices
- 57 FDIC institution directory, current count
- Employees (FTE)
- 1,375
- Domestic deposits
- $14.73B
- Allowance for credit losses
- $139.2M
- Net charge-offs (YTD)
- $18.0M
- Average total assets
- $17.35B
- Average total loans
- $11.78B
- Average interest-bearing deposits
- $9.67B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- May 9, 1988
- FDIC Cert
- 27237
- Fed RSSD
- 1190476
- SEC CIK
- 1025835 → filed by ENTERPRISE FINANCIAL SERVICES CORP
- Website
- http://www.enterprisebank.com →
- Parent Holding Company
- ENTERPRISE FINANCIAL SERVICES CORP (RSSD 2303910) · EFSC
Management
Senior officers at parent holding company, from SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Lally James Brian | CEO | CEO |
| Goodman Scott Richard | PRES | President |
| Keene S Turner | CFO | SEVP, Chief Financial Officer |
| Bridget Huffman | CRO | SEVP, Chief Risk Officer |
| Nicole M Iannacone | GC | SEVP, Chief Legal Officer |
| Kevin L Handley | CCO | Chief Credit Officer |
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
Enterprise Bank & Trust's total assets moved between a low of $14.00B (Q3 2023) and a high of $17.36B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$17.36B total assets against $16.05B; $15.32B total liabilities against $14.13B.
$11.75B net loans and leases against $11.26B; $14.73B total deposits against $13.45B.
$3.84B securities against $3.30B; $552.7M cash and balances due against $492.9M.
$229.3M total interest income against $218.9M; $57.8M total interest expense against $63.5M.
$171.5M net interest income against $155.5M.
$15.9M total noninterest income against $19.1M; $114.9M total noninterest expense against $103.5M.
$14.2M provision for credit losses against $3.5M.
$44.0M net income against $54.0M.
1.02% return on assets against 1.36%; 4.31% net interest margin against 4.21%.
12.07% CET1 capital ratio against 12.47%; 9.92% tier 1 leverage ratio against 10.49%.
Inside the full Enterprise Bank & Trust 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.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
Enterprise Bank & Trust rankings
Its closest position to the top of a national ranking is 113 of 4,196, for total assets; its furthest is 1,685 of 2,134, for CET1 ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 1.02% (Q2 2026) to 1.44% (Q3 2024) and its net interest margin ran from 4.10% (Q1 2025) to 4.31% (Q4 2025).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 12.07% | 1.02% | 0.98% | 9.20% | 4.31% |
| Q1 2026 | 12.14% | 1.19% | 0.80% | 8.71% | 4.24% |
| Q4 2025 | 11.94% | 1.26% | 0.95% | 9.62% | 4.31% |
| Q3 2025 | 12.43% | 1.17% | 1.39% | 7.81% | 4.28% |
| Q2 2025 | 12.47% | 1.36% | 1.16% | 6.76% | 4.21% |
| Q1 2025 | 12.39% | 1.35% | 1.17% | 6.90% | 4.10% |
| Q4 2024 | 12.41% | 1.35% | 0.58% | 2.94% | 4.13% |
| Q3 2024 | 12.51% | 1.44% | 0.36% | 2.06% | 4.20% |
Swipe the table sideways to see every column.
Branch Network
View all 54 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 |
|---|---|---|---|
| Encinitas Branch | Encinitas , CA | 92024 | $4.06B |
| Enterprise Bank & Trust (main office) | Clayton , MO | 63105 | $2.98B |
| Sunset Hills Branch | Sunset Hills , MO | 63127 | $968.8M |
| Overland Park Branch | Overland Park , KS | 66213 | $745.5M |
| Los Alamos Branch | Los Alamos , NM | 87544 | $589.9M |
| St. Peters Branch | St. Peters , MO | 63376 | $478.0M |
| Camelback Branch | Phoenix , AZ | 85018 | $448.3M |
| Creve Coeur Branch | Creve Coeur , MO | 63141 | $336.5M |
| Cerritos Main Branch | Cerritos , CA | 90703 | $330.5M |
| Santa Fe Downtown Branch | Santa Fe , NM | 87501 | $325.7M |
| Santa Fe Galisteo Branch | Santa Fe , NM | 87505 | $268.9M |
| Chula Vista Branch | Chula Vista , CA | 91910 | $229.5M |
| Albuquerque Branch | Albuquerque , NM | 87109 | $176.7M |
| Chandler Branch | Chandler , AZ | 85225 | $157.7M |
| Downtown Los Angeles Branch | Los Angeles , CA | 90071 | $155.4M |
| Olathe Central Branch | Olathe , KS | 66061 | $135.0M |
| Tucson Branch | Tucson , AZ | 85719 | $134.9M |
| Orlando Branch | Orlando , FL | 32801 | $120.6M |
| Hillsboro Branch | Hillsboro , MO | 63050 | $109.1M |
| Clairborne Branch | Olathe , KS | 66062 | $108.3M |
| Pasadena Branch | Pasadena , CA | 91106 | $105.9M |
| Anaheim Branch | Anaheim , CA | 92806 | $101.0M |
| North Scottsdale Branch | Scottsdale , AZ | 85260 | $99.7M |
| Festus Branch | Festus , MO | 63028 | $94.8M |
| Las Vegas Branch | Las Vegas , NV | 89113 | $92.7M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 22, 2021 | Structure Change | Acquired First Choice Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| July 22, 2021 | M&A | Acquired First Choice Bank merger for the acquired bank | SEC |
| July 21, 2021 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 13, 2020 | M&A | Acquired Seacoast Commerce Bank merger for the acquired bank | SEC |
| November 13, 2020 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 13, 2020 | Structure Change | Acquired Seacoast Commerce Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| March 8, 2019 | M&A | Acquired Los Alamos National Bank merger for the acquired bank | SEC |
| March 8, 2019 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| March 8, 2019 | Structure Change | Acquired Los Alamos National Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 11, 2017 | M&A | Acquired Eagle Bank and Trust Company of Missouri merger for the acquired bank | SEC |
| February 11, 2017 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| February 11, 2017 | Structure Change | Acquired Eagle Bank and Trust Company of Missouri Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| August 13, 2011 | Structure Change | Acquired The First National Bank of Olathe Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 13, 2011 | M&A | Acquired The First National Bank of Olathe failure_government_assistance_provided for the acquired bank | SEC |
| August 12, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| January 8, 2011 | Structure Change | Acquired Legacy Bank Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 8, 2011 | M&A | Acquired Legacy Bank failure_government_assistance_provided for the acquired bank | SEC |
| January 7, 2011 | Merger | Participated in FDIC Assisted Merger | FDIC |
| December 12, 2009 | Structure Change | Acquired Valley Capital Bank, N.A. Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| December 12, 2009 | M&A | Acquired Valley Capital Bank, N.A. failure_government_assistance_provided for the acquired bank | SEC |
| December 11, 2009 | Merger | Participated in FDIC Assisted Merger | FDIC |
| October 7, 2006 | M&A | Acquired Enterprise Bank & Trust merger for the acquired bank | SEC |
| October 7, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 7, 2006 | Structure Change | Acquired Enterprise Bank & Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 29, 2001 | Structure Change | Acquired Enterprise Banking, National Association Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 29, 2001 | M&A | Acquired Enterprise Banking, National Association merger for the acquired bank | SEC |
| September 29, 2001 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 27 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- 2.0% of deposits in MO, rank 8 of 249 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 292 applications, 186 loans originated, $106.0M originated, across 11 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 143 loans, $241.9M approved, $1.7M average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (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 & Trust
What are Enterprise Bank & Trust's total assets?
As of the Q2 2026 filing, Enterprise Bank & Trust reported total assets of $17.36 billion in its FFIEC call report.
Where is Enterprise Bank & Trust headquartered?
It is headquartered in Clayton, MO, United States.
When was Enterprise Bank & Trust founded?
It was established in 1988, per the FDIC institution directory.
Is Enterprise Bank & Trust FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #27237). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Enterprise Bank & Trust?
Enterprise Bank & Trust's primary federal regulator is the Federal Reserve.
What is Enterprise Bank & Trust's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 12.07% in its Q2 2026 call report, above regulatory requirements.
How many branches does Enterprise Bank & Trust operate?
It operates 57 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 & Trust's Texas Ratio?
Its Texas Ratio is 9.20% 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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