Enterprise Bank & Trust: Liquidity and Borrowings
Data as of · Call Report Schedules RC and RC-M How we update
Cash, the assets that can be turned into cash, and the borrowed money standing behind the deposit base. Heavy reliance on non-core wholesale funding is what turns a deposit outflow into a forced sale of securities.
Other borrowed money climbed 574.5% in Q2 2026, from $36.2M to $244.2M. It was the largest change from Q1 2026 among the key lines here. Enterprise Bank & Trust ranks 109th of 192 Missouri banks on loan-to-deposit ratio, in the lower half at 80.75% (Q2 2026). Enterprise Bank & Trust reported 80.75% on loan-to-deposit ratio for Q2 2026, 6.08 points below the 86.83% median for banks in the $10B-100B asset tier.
Liquid assets
| Line item | Q2 2026 |
|---|---|
| Cash and balances due from depository institutions | $552.7M |
| Cash and noninterest-bearing balances to assets | 3.12% |
| Cash and securities | $4.39B |
| Fed funds sold and reverse repos | $11.2M |
| Fed funds sold and reverse repos to assets | 0.06% |
Borrowed funds
| Line item | Q2 2026 |
|---|---|
| Fed funds purchased and repos | $172.0M |
| Other borrowed money | $244.2M |
| Subordinated notes and debentures | $0 |
| Other borrowed money to assets | 1.41% |
| Trading liabilities | $0 |
Funding structure
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.75% |
| Net loans and leases to deposits | 79.80% |
| Loans and leases to core deposits | 83.00% |
| Core deposits to total deposits | 90.63% |
| Brokered deposits to total deposits | 6.67% |
Liquidity and Borrowings trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Liquidity and Borrowings by quarter
| Quarter | Loan-to-deposit | Core deposits share | Fed funds purchased and repos | Other borrowed money |
|---|---|---|---|---|
| Q3 2023 | 88.31% | 89.50% | $133.3M | $36.2M |
| Q4 2023 | 88.62% | 91.43% | $250.2M | $36.2M |
| Q1 2024 | 89.17% | 89.93% | $159.0M | $161.2M |
| Q2 2024 | 88.69% | 91.23% | $142.1M | $114.2M |
| Q3 2024 | 87.98% | 91.51% | $134.6M | $186.2M |
| Q4 2024 | 84.52% | 91.93% | $244.6M | $36.2M |
| Q1 2025 | 85.85% | 91.67% | $219.4M | $241.2M |
| Q2 2025 | 84.80% | 90.28% | $174.4M | $330.2M |
| Q3 2025 | 84.47% | 90.14% | $149.8M | $363.2M |
| Q4 2025 | 79.93% | 90.78% | $292.8M | $36.2M |
| Q1 2026 | 79.78% | 90.71% | $226.7M | $36.2M |
| Q2 2026 | 80.75% | 90.63% | $172.0M | $244.2M |
Enterprise Bank & Trust liquidity and borrowings, all the way back
Liquidity and Borrowings back to 2001 · peer percentiles on every line item · Excel export
Unlock Enterprise Bank & Trust, freeSource: Call Report Schedules RC and RC-M, 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)