Enterprise Bank & Trust: 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.
Reserve coverage of non-performing loans dropped 15.56 percentage points in Q2 2026, from 92.36% to 76.80%. It was the largest change from Q1 2026 among the key lines here. Enterprise Bank & Trust ranks 149th of 192 Missouri banks on return on assets, in the lower half at 1.02% (Q2 2026). The median for banks in the $10B-100B asset tier is 1.30% on return on assets. Enterprise Bank & Trust sits 0.28 points lower, at 1.02% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.07% |
| Tier 1 risk-based capital ratio | 12.07% |
| Total risk-based capital ratio | 13.11% |
| Tier 1 leverage ratio | 9.92% |
| Equity capital to assets | 11.75% |
| Tangible equity to tangible assets | 9.49% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.52% |
| Non-performing assets ratio | 1.53% |
| Net charge-off ratio | 0.46% |
| Texas ratio | 15.24% |
| Allowance for credit losses to loans | 1.17% |
| Reserve coverage of non-performing loans | 76.80% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.02% |
| Return on equity | 8.70% |
| Net interest margin | 4.31% |
| Efficiency ratio | 59.79% |
| Yield on earning assets | 5.74% |
| Cost of funds | 1.54% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 80.75% |
| Core deposits to total deposits | 90.63% |
| Brokered deposits to total deposits | 6.67% |
| Deposits to assets | 84.86% |
| Securities to assets | 22.10% |
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 | 12.08% | 12.08% | 13.13% | 10.51% | 1.37% |
| Q4 2023 | 12.24% | 12.24% | 13.19% | 10.58% | 1.31% |
| Q1 2024 | 12.14% | 12.14% | 13.17% | 10.47% | 1.18% |
| Q2 2024 | 12.39% | 12.39% | 13.46% | 10.57% | 1.31% |
| Q3 2024 | 12.51% | 12.51% | 13.57% | 10.62% | 1.44% |
| Q4 2024 | 12.41% | 12.41% | 13.43% | 10.51% | 1.35% |
| Q1 2025 | 12.39% | 12.39% | 13.53% | 10.42% | 1.35% |
| Q2 2025 | 12.47% | 12.47% | 13.61% | 10.49% | 1.36% |
| Q3 2025 | 12.43% | 12.43% | 13.57% | 10.45% | 1.17% |
| Q4 2025 | 11.94% | 11.94% | 12.99% | 9.72% | 1.26% |
| Q1 2026 | 12.14% | 12.14% | 13.20% | 9.80% | 1.19% |
| Q2 2026 | 12.07% | 12.07% | 13.11% | 9.92% | 1.02% |
Enterprise Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Enterprise Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 27237) · FFIEC NIC profile (RSSD 1190476)