Enterprise Bank & Trust: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 3.80 percentage points in Q2 2026, from 220.45% to 224.25%. 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). The median for banks in the $10B-100B asset tier is 86.83% on loan-to-deposit ratio. Enterprise Bank & Trust sits 6.08 points lower, at 80.75% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $11.89B |
| Net loans and leases | $11.75B |
| Loans held for sale | $1.1M |
| Loans to total assets | 68.52% |
| Loan-to-deposit ratio | 80.75% |
| Net loans to equity capital | 5.76% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 42.94% |
| Multifamily (5+ residential) | 3.23% |
| Commercial and industrial | 37.93% |
| Consumer | 0.44% |
| Credit cards | 0.03% |
| Farm | 0.33% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.57% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 224.25% |
| Construction concentration (Tier 1 capital + allowance) | 36.50% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.41% |
| Interest income on loans | $188.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $10.62B | $12.02B | 41.38% | 40.37% | 0.81% |
| Q4 2023 | $10.88B | $12.28B | 40.41% | 41.49% | 0.74% |
| Q1 2024 | $11.03B | $12.37B | 39.96% | 41.93% | 0.67% |
| Q2 2024 | $11.00B | $12.40B | 40.63% | 40.86% | 0.64% |
| Q3 2024 | $11.08B | $12.59B | 40.69% | 40.75% | 0.62% |
| Q4 2024 | $11.22B | $13.28B | 40.68% | 41.19% | 0.55% |
| Q1 2025 | $11.30B | $13.16B | 41.17% | 41.07% | 0.52% |
| Q2 2025 | $11.41B | $13.45B | 40.82% | 42.04% | 0.49% |
| Q3 2025 | $11.58B | $13.71B | 40.89% | 38.52% | 0.49% |
| Q4 2025 | $11.80B | $14.76B | 42.12% | 37.89% | 0.51% |
| Q1 2026 | $11.69B | $14.66B | 42.64% | 37.88% | 0.48% |
| Q2 2026 | $11.89B | $14.73B | 42.94% | 37.93% | 0.44% |
Enterprise Bank & Trust loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock Enterprise Bank & Trust, freeSource: Call Report Schedule RC-C, 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)