Enterprise Bank & Trust
Enterprise Bank & Trust reported total assets of $17.4 bn at Q2 2026, up 8.2% on a year earlier, the 114th largest of 497 banks in our US coverage. The CET1 capital ratio at Enterprise Bank & Trust was 12.07%, and the uninsured share of Enterprise Bank & Trust was 33.83%. Source: FDIC Call Reports.
Key takeaways
- On return on equity (ROE), Enterprise Bank & Trust slipped from 231st to 362nd among 500 US banks between and (1 = highest; FDIC Call Reports).
- Since , Enterprise Bank & Trust has taken over 4 institutions; the latest was First Choice Bank on (FDIC Call Reports).
What sets Enterprise Bank & Trust apart
How large is Enterprise Bank & Trust?
The balance sheet of Enterprise Bank & Trust at : assets $17.4 bn, deposits $14.7 bn, net loans $11.8 bn (loans equal to 79.80% of deposits). Securities make up 22.1% of total assets at Enterprise Bank & Trust. Since , when Enterprise Bank & Trust held $3.7 bn, its assets grew 370.2%. In the year to , deposits at Enterprise Bank & Trust rose 9.5% while its total assets rose 8.2%. At , Enterprise Bank & Trust employed 1,375 full-time equivalent staff across 57 offices, about $12.6 mn of assets per employee and $258.4 mn of deposits per office.
How much funding at Enterprise Bank & Trust is uninsured?
At Enterprise Bank & Trust, uninsured deposits (above the FDIC limit) made up 33.83% of domestic deposits at (+3.13 pp on a year earlier); Enterprise Bank & Trust ranks 262nd of 500 on this measure. In dollars, Enterprise Bank & Trust estimated $5.0 bn of uninsured deposits.
Key facts, Q2 2026
| Metric | Value | Change from a year earlier | US rank |
|---|---|---|---|
| Total deposits | $14.7 bn | +9.5% | 111th of 499 |
| Net loans and leases | $11.8 bn | +4.4% | 114th of 500 |
| Loan-to-deposit ratio | 79.80% | -3.92 pp | 346th of 500 |
| Tier 1 leverage ratio | 9.92% | -0.56 pp | 309th of 500 |
| Total risk-based capital ratio | 13.11% | -0.50 pp | 346th of 448 |
| Net interest margin | 4.29% | +0.09 pp | 85th of 500 |
| Return on assets (ROA) | 1.11% | -0.25 pp | 340th of 500 |
| Efficiency ratio | 60.26% | +1.95 pp | 335th of 500 (1 = lowest) |
| Unrealized gain/loss on held-to-maturity securities | Loss of $38.2 mn | Narrowed by $37.0 mn | |
| Unrealized gain/loss on available-for-sale securities | Loss of $101.1 mn | Narrowed by $30.0 mn | |
| Noncurrent loans to total loans | 0.98% | -0.18 pp | 361st of 500 (1 = lowest) |
| Net charge-offs to average loans | 0.30% | +0.31 pp | 400th of 500 (1 = lowest) |
US rank of Enterprise Bank & Trust: 1 = highest unless marked 1 = lowest.
Balance sheet
Enterprise Bank & Trust: assets, deposits and loans
- Total assets $17.4bn
- Deposits $14.7bn
- Net loans $11.8bn
Capital and securities
The CET1 ratio of Enterprise Bank & Trust stood at 12.07% in , -0.40 pp year on year. Low and high at Enterprise Bank & Trust since : 10.03% () to 12.51% (). Equity capital of Enterprise Bank & Trust at : $2.0 bn, or 11.8% of total assets. Enterprise Bank & Trust also reported a total capital ratio of 13.11% for , and a tier 1 leverage ratio of 9.92%.
On held-to-maturity securities, Enterprise Bank & Trust carried an unrealized loss of $38.2 mn at , equal to 1.9% of equity capital. The loss narrowed by $37.0 mn over the year. Its deepest point: $109.3 mn in . The available-for-sale portfolio of Enterprise Bank & Trust showed an unrealized loss of $101.1 mn at ; the loss narrowed by $30.0 mn over the year.
Enterprise Bank & Trust: capital ratios
- Total capital 13%
- CET1 12%
- Tier 1 leverage 9.9%
Enterprise Bank & Trust: unrealized securities gains and losses
- Available for sale -$101mn
- Held to maturity -$38mn
Profitability and loan quality
For the year to , Enterprise Bank & Trust earned a return on equity of 9.48%; return on assets: 1.11%. Net interest margin at Enterprise Bank & Trust: 4.29%, +0.09 pp in a year. Enterprise Bank & Trust net income: $95.7 mn, down 10.5% year on year. The efficiency ratio of Enterprise Bank & Trust was 60.26%: about 60 cents cost per revenue dollar, against 57 cents at the median peer.
At , noncurrent loans were 0.98% of total loans at Enterprise Bank & Trust; net charge-offs: 0.30% of average loans. Gross loans and leases at Enterprise Bank & Trust: $11.9 bn, up 4.2% in a year.
Enterprise Bank & Trust: profitability
- Return on equity 9.5%
- Net interest margin 4.3%
- Return on assets 1.1%
Peer group of Enterprise Bank & Trust
The peer group of Enterprise Bank & Trust is the 6 banks nearest to it by total assets at : 3 larger and 3 smaller. Of the peers, 2 share the charter type of Enterprise Bank & Trust (state member bank), 6 sit in the same size group ($10 bn to $100 bn) and 0 have head offices in Missouri. Against them, Enterprise Bank & Trust shows CET1 ratio 12.07% against a peer median of 13.59%, return on equity 9.48% against a peer median of 10.55% and uninsured deposit share 33.83% against a peer median of 29.47%.
| Bank | Charter | State | Total assets | CET1 ratio | Return on equity | Uninsured share | |
|---|---|---|---|---|---|---|---|
| Busey Bank | State member bank | IL | $18.1 bn | 14.65% | 9.75% | 43.03% | |
| Third Federal Savings and Loan Association of Cleveland | Federal savings bank | OH | $18.1 bn | 15.73% | 6.13% | 3.91% | |
| Community Bank | National bank | NY | $17.4 bn | 11.72% | 12.54% | 31.51% | |
| Enterprise Bank & Trust | State member bank | MO | $17.4 bn | 12.07% | 9.48% | 33.83% | |
| Northwest Bank | State-chartered stock savings bank | PA | $17.2 bn | 12.79% | 11.35% | 27.43% | |
| Toyota Financial Savings Bank | State nonmember bank | NV | $16.8 bn | 14.40% | 3.88% | 16.31% | |
| FirstBank | State member bank | TN | $16.8 bn | 11.29% | 12.13% | 42.74% | |
. FDIC Call Reports.
Last eight quarters
Two years at Enterprise Bank & Trust, to : assets +16.3%, deposits +17.0%, equity +11.3%. Staff 1,248 to 1,375; offices 45 to 57.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 |
|---|---|---|---|---|---|---|---|---|
| Total assets | $14.9 bn | $15.6 bn | $15.6 bn | $16.0 bn | $16.4 bn | $17.3 bn | $17.2 bn | $17.4 bn |
| Total deposits | $12.6 bn | $13.3 bn | $13.2 bn | $13.5 bn | $13.7 bn | $14.8 bn | $14.7 bn | $14.7 bn |
| Bank equity capital | $1.8 bn | $1.8 bn | $1.9 bn | $1.9 bn | $2.0 bn | $2.0 bn | $2.0 bn | $2.0 bn |
| CET1 ratio | 12.51% | 12.41% | 12.39% | 12.47% | 12.43% | 11.94% | 12.14% | 12.07% |
| Return on equity (ROE) | 10.94% | 11.07% | 11.47% | 11.44% | 10.87% | 10.88% | 10.29% | 9.48% |
| Uninsured share of domestic deposits | 33.19% | 33.94% | 31.57% | 30.70% | 30.87% | 34.29% | 33.32% | 33.83% |
| Full-time equivalent employees | 1,248 | 1,239 | 1,262 | 1,287 | 1,298 | 1,389 | 1,392 | 1,375 |
| Number of offices | 45 | 45 | 45 | 45 | 44 | 57 | 57 | 57 |
FDIC Call Reports.
Mergers and acquisitions
The FDIC history of Enterprise Bank & Trust, oldest first; figures before and after each event are not like for like.
- . Absorbed Eagle Bank and Trust Company of Missouri (FDIC certificate 17691).
- . Absorbed Los Alamos National Bank (FDIC certificate 18799).
- . Absorbed Seacoast Commerce Bank (FDIC certificate 57428).
- . Absorbed First Choice Bank (FDIC certificate 57966).
Large one-quarter moves at Enterprise Bank & Trust
- Total assets at Enterprise Bank & Trust changed by +25.4% in the quarter to 2017-03-31: Merger -Without Assistance; Participated in Absorbtion/Consolidation/Merger: acquired from Eagle Bank and Trust Company of Missouri.
Questions and identifiers
What were the total assets of Enterprise Bank & Trust?
Enterprise Bank & Trust reported $17.4 bn at in its Call Report. That makes Enterprise Bank & Trust the 114th largest of 497 banks in our US coverage.
Is Enterprise Bank & Trust the same as its holding company?
No. This page covers Enterprise Bank & Trust, FDIC certificate 27237; ENTERPRISE FINL SERVICES CORP (as reported to the FDIC), its holding company, reports separately to the Federal Reserve.
Is Enterprise Bank & Trust profitable?
Enterprise Bank & Trust reported net income of $95.7 mn for the year to ; annualized return on equity: 9.48%. So yes: Enterprise Bank & Trust made a profit over these months.
When is data for Enterprise Bank & Trust next updated?
Figures from Enterprise Bank & Trust for are due after .
Where can I check the figures for Enterprise Bank & Trust?
In the FDIC BankFind Suite record for certificate 27237, and in the Call Reports of Enterprise Bank & Trust (RSSD ID 1190476) at the FFIEC Central Data Repository.