Enterprise Bank & Trust: Regulatory Capital
Data as of · Call Report Schedule RC-R How we update
The regulatory capital stack and the risk-weighted assets it is measured against. A bank is well capitalized at 6.5% CET1, 8% Tier 1 and 10% total risk-based capital; the conservation buffer effectively lifts CET1 to 7%.
Accumulated other comprehensive income climbed 9.6% in Q2 2026, from -$81.6M to -$73.7M. It was the largest change from Q1 2026 among the key lines here. Within Missouri, Enterprise Bank & Trust is 69th of 98 on CET1 ratio, 12.07% as of Q2 2026, below the middle of the field. Enterprise Bank & Trust reported 12.07% on CET1 ratio for Q2 2026, 0.89 points below the 12.96% median for banks in the $10B-100B asset tier.
Risk-based capital ratios
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 ratio | 12.07% |
| Tier 1 risk-based capital ratio | 12.07% |
| Total risk-based capital ratio | 13.11% |
| Tier 1 leverage ratio | 9.92% |
The leverage ratio is measured against average total assets, not risk-weighted assets, so it will normally sit well below the risk-based ratios. Equal values would indicate a reporting error.
Capital amounts
| Line item | Q2 2026 |
|---|---|
| Common equity Tier 1 capital | $1.68B |
| Tier 1 capital | $1.68B |
| Total risk-based capital | $1.82B |
| Total equity capital | $2.04B |
| Risk-weighted assets | $13.91B |
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| Equity capital to total assets | 11.75% |
| Tangible equity to tangible assets | 9.49% |
| Equity capital to average assets | 11.76% |
| Internal capital growth rate | 3.79% |
Capital structure
| Line item | Q2 2026 |
|---|---|
| Common stock | $4.2M |
| Common stock surplus | $1.13B |
| Retained earnings | $982.2M |
| Preferred stock and surplus | $0 |
| Accumulated other comprehensive income | -$73.7M |
| Subordinated notes and debentures | $0 |
Regulatory Capital trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Regulatory Capital by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | Risk-weighted assets |
|---|---|---|---|---|---|
| Q3 2023 | 12.08% | 12.08% | 13.13% | 10.51% | $12.02B |
| Q4 2023 | 12.24% | 12.24% | 13.19% | 10.58% | $12.20B |
| Q1 2024 | 12.14% | 12.14% | 13.17% | 10.47% | $12.31B |
| Q2 2024 | 12.39% | 12.39% | 13.46% | 10.57% | $12.28B |
| Q3 2024 | 12.51% | 12.51% | 13.57% | 10.62% | $12.38B |
| Q4 2024 | 12.41% | 12.41% | 13.43% | 10.51% | $12.72B |
| Q1 2025 | 12.39% | 12.39% | 13.53% | 10.42% | $12.92B |
| Q2 2025 | 12.47% | 12.47% | 13.61% | 10.49% | $13.09B |
| Q3 2025 | 12.43% | 12.43% | 13.57% | 10.45% | $13.34B |
| Q4 2025 | 11.94% | 11.94% | 12.99% | 9.72% | $13.59B |
| Q1 2026 | 12.14% | 12.14% | 13.20% | 9.80% | $13.63B |
| Q2 2026 | 12.07% | 12.07% | 13.11% | 9.92% | $13.91B |
Enterprise Bank & Trust regulatory capital, all the way back
Regulatory Capital back to 2001 · peer percentiles on every line item · Excel export
Unlock Enterprise Bank & Trust, freeSource: Call Report Schedule RC-R, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27237) · FFIEC NIC profile (RSSD 1190476)