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Enterprise Bank & Trust
Clayton, MO·FDIC Cert #27237·Charter: STATE·Est. 19880509.0·HC: ENTERPRISE FINL SERVICES CORP
Total Assets
$17.3B
Q4 2025
Return on Assets
1.29%
-0.01%Peer avg: 1.16%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
56.65%
Peer avg: 55.0%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
59
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
1.29%-0.01
ROE
10.88%+0.01
Efficiency
56.65%+0.67
Equity/Assets
0.00%+0.00
NPL Ratio
0.96%-0.45
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
78.98%-4.40
Charge-offs
0.21%+0.17
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 1.2 | 1.3 | 1.3 | 1.3 | 1.4 | 1.4 | 1.3 | 1.3 |
| ROE | 9.9 | 10.4 | 10.9 | 11.1 | 11.5 | 11.4 | 10.9 | 10.9 |
| Efficiency | 60.5 | 58.8 | 58.0 | 57.7 | 57.7 | 58.3 | 56.0 | 56.6 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.5 | 0.4 | 0.6 | 1.2 | 1.2 | 1.4 | 1.0 |
| Charge-offs | 0.2 | 0.1 | 0.1 | 0.2 | -0.0 | -0.0 | 0.0 | 0.2 |
| Loan/Deposit | 88.1 | 87.6 | 86.9 | 83.5 | 84.8 | 83.7 | 83.4 | 79.0 |
Balance Sheet
Total Assets$17.3B
Total Deposits$14.8B
Total Loans$11.7B
Total Equity$2.0B
Profitability
ROA1.29%
ROE10.88%
Efficiency Ratio56.65%
Net Income$208.3M
Risk & Asset Quality
NPL Ratio0.96%
Charge-off Rate0.21%
Loan/Deposit78.98%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans