BlastPoint's Banking Scorecard

Enterprise Bank of South Carolina

$100M-$1B Specialty: Commercial SC FDIC cert 11539

Ehrhardt, SC

12 branches across SC

2664 banks in the $100M-$1B peer group nationally 27 in SC

Enterprise Bank of South Carolina has 3 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Revenue Diversifier: Top 0.2% in tier
+ Profitability Leader: Top 0.3% in tier
+ Efficiency Ratio 42.09% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 39.7% in tier
- Delinquency Rate 2.84% above tier average
- Nonperforming Asset Ratio 1.38% above tier average
- Net Interest Margin 0.25% below tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (SC)	National Avg	Tier Percentile
Total Assets ?	$522.2M +3.3% YoY +6.3% QoQ	+$136.1M	$386.1M +0.5% YoY	$1.5B +4.7% YoY	$6.2B +9.1% YoY	74%
Total Loans ?	$283.4M +9.5% YoY +2.4% QoQ	+$27.7M	$255.7M +1.1% YoY	$993.8M +7.7% YoY	$3.2B +10.8% YoY	65%
Total Deposits ?	$466.5M -4.1% YoY +1.5% QoQ	+$138.5M	$328.0M +0.1% YoY	$1.3B +4.0% YoY	$4.8B +8.2% YoY	77%
Return on Assets ?	8.55% +271.4% QoQ	+7.28%	1.27% +12.9% YoY	1.18% +45.0% YoY	1.23% +13.4% YoY	Top 0.3% in tier
Net Interest Margin ?	3.68% +13.6% YoY +3.3% QoQ	-0.25%	3.93% +6.0% YoY	3.64% +5.2% YoY	3.89% +5.7% YoY	40%
Efficiency Ratio ?	23.19% -69.2% YoY -67.3% QoQ	-42.09%	65.29% -4.5% YoY	67.38% -5.7% YoY	66.95% -4.1% YoY	Top 0.3% in tier
Delinquency Rate ?	3.73% -4.8% YoY -2.0% QoQ	+2.84%	0.89% +18.8% YoY	0.54% +11.8% YoY	0.95% +18.8% YoY	Bottom 3.8% in tier
Loan-to-Deposit Ratio ?	60.75% +14.3% YoY +0.9% QoQ	-15.89%	76.64% +0.8% YoY	73.64% +1.6% YoY	76.70% +0.9% YoY	80%
Non-Interest-Bearing Deposit Share ?	21.04% +1.7% YoY -1.5% QoQ	-0.98%	22.02% -1.0% YoY	20.84% -0.7% YoY	22.01% -1.2% YoY	50%
Nonperforming Asset Ratio ?	2.02% +1.0% YoY -5.6% QoQ	+1.38%	0.64% +19.7% YoY	0.34% +10.8% YoY	0.67% +19.3% YoY	Bottom 6.7% in tier
Tier 1 Capital Ratio ?	15.75% +24.0% YoY +23.7% QoQ	-0.08%	15.83% +1.5% YoY	17.50% +3.0% YoY	17.06% +0.8% YoY	71%
Non-Interest Income / Assets ?	2.04% +351.0% QoQ	+1.76%	0.28% +9.3% YoY	0.17% +48.2% YoY	0.32% +4.1% YoY	Top 0.9% in tier

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (2)

Revenue Diversifier

growth

#2 of 666 • Top 0.2% in tier

Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.

Why this signature

Noninterest Income / Assets: 2.04%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 8.55%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ

Profitability Leader

growth

#3 of 666 • Top 0.3% in tier

Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.

Why this signature

Return on Assets: 8.55%

(Tier: 1.27%, National: 1.23%)

better than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Deposit Outflow

decline

#202 of 506 • Bottom 39.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

506 of 506 Community banks match · 656 nationally

→ Stable -8 banks QoQ | QoQ rank declining

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

Return on Assets

profitability

Value: 8.55%

Peer Median: 1.27%

#8 of 2664 Top 0.3% in $100M-$1B

Efficiency Ratio

profitability

Value: 23.19%

Peer Median: 65.29%

#10 of 2664 Top 0.3% in $100M-$1B

Non-Interest Income / Assets

revenue_mix

Value: 2.04%

Peer Median: 0.28%

#24 of 2664 Top 0.9% in $100M-$1B

525

Loan-to-Deposit Ratio

liquidity

Value: 60.75%

Peer Median: 76.64%

#525 of 2664 Top 19.7% in $100M-$1B

623

Total Deposits

size

Value: $466.50M

Peer Median: $327.97M

#623 of 2664 Top 23.3% in $100M-$1B

Top Weaknesses (2 metrics)

2554

Delinquency Rate

credit_quality

Value: 3.73%

Peer Median: 0.89%

#2554 of 2654 Bottom 3.8% in $100M-$1B

2487

Nonperforming Asset Ratio

credit_quality

Value: 2.02%

Peer Median: 0.64%

#2487 of 2664 Bottom 6.7% in $100M-$1B