Enterprise Bank & Trust: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
Compared with Q1 2026, Cost of borrowings rose 0.35 percentage points in Q2 2026 to 2.61%, the biggest move on this page. Within Missouri, Enterprise Bank & Trust is 62nd of 192 on net interest margin, 4.31% as of Q2 2026, above the middle of the field. The median for banks in the $10B-100B asset tier is 3.60% on net interest margin. Enterprise Bank & Trust sits 0.71 points higher, at 4.31% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 5.74% |
| Yield on loans | 6.39% |
| Yield on securities | 3.70% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 1.54% |
| Cost of interest-bearing deposits | 2.31% |
| Cost of interest-bearing liabilities | 2.32% |
| Cost of borrowings | 2.61% |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 4.31% |
| Yield to cost spread | 3.42% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $188.4M |
| Total interest expense | $57.8M |
| Interest expense on deposits | $55.7M |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 6.06% | 1.47% | 4.37% | 6.82% | 2.59% |
| Q4 2023 | 6.13% | 1.62% | 4.26% | 6.87% | 2.63% |
| Q1 2024 | 6.08% | 1.70% | 4.12% | 6.80% | 2.72% |
| Q2 2024 | 6.14% | 1.71% | 4.17% | 6.87% | 2.76% |
| Q3 2024 | 6.20% | 1.73% | 4.20% | 6.93% | 2.87% |
| Q4 2024 | 5.96% | 2.00% | 4.13% | 6.73% | 3.04% |
| Q1 2025 | 5.77% | 1.83% | 4.10% | 6.46% | 3.18% |
| Q2 2025 | 5.90% | 1.85% | 4.21% | 6.61% | 3.29% |
| Q3 2025 | 5.96% | 1.84% | 4.28% | 6.65% | 3.43% |
| Q4 2025 | 5.84% | 1.68% | 4.31% | 6.61% | 3.60% |
| Q1 2026 | 5.64% | 1.52% | 4.24% | 6.30% | 3.61% |
| Q2 2026 | 5.74% | 1.54% | 4.31% | 6.39% | 3.70% |
Enterprise Bank & Trust yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Enterprise Bank & Trust, freeSource: Call Report Schedules RI and RC-K, 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)