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Enterprise Bank of South Carolina

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

Ehrhardt, SC

12 branches across SC

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 27 in SC.
  • Deposits +0.8% year over year ($472.2M on the books).
  • Delinquency rate 3.67%.
  • Return on assets 6.21%.
  • Efficiency ratio 36.69% vs a 64.48% peer average.
  • Loan-to-deposit ratio 61.79% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 27 in SC
View $100M-$1B leaderboard (SC) →

Enterprise Bank of South Carolina has 3 strengths but faces 3 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 0.8% in tier
  • + Efficiency Ratio 27.79% below tier average

Key Concerns

Areas that may need attention

  • - Delinquency Rate 2.75% above tier average
  • - Nonperforming Asset Ratio 1.33% above tier average
  • - Net Interest Margin 0.18% below tier average
Get updates when Enterprise Bank of South Carolina releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Total Assets ? $535.1M
+9.4% YoY +2.5% QoQ
+$148.6M $386.6M
+1.2% YoY
$1.5B
+5.6% YoY
$6.3B
+7.7% YoY
75%
Total Loans ? $291.8M
+11.2% YoY +2.9% QoQ
+$33.4M $258.3M
+1.7% YoY
$1.0B
+7.6% YoY
$3.2B
+9.4% YoY
66%
Total Deposits ? $472.2M
+0.8% YoY +1.2% QoQ
+$145.5M $326.7M
+0.7% YoY
$1.3B
+2.8% YoY
$4.9B
+7.3% YoY
77%
Return on Assets ? 6.21%
+700.9% YoY -27.4% QoQ
+4.89% 1.32%
+10.8% YoY
1.14%
+28.2% YoY
1.30%
+12.1% YoY
Top 0.4% in tier
Net Interest Margin ? 3.81%
+10.2% YoY +3.4% QoQ
-0.18% 3.99%
+5.0% YoY
3.68%
+4.4% YoY
3.95%
+4.9% YoY
43%
Efficiency Ratio ? 36.69%
-50.2% YoY +58.2% QoQ
-27.79% 64.48%
-3.2% YoY
67.24%
-4.2% YoY
70.05%
+2.5% YoY
Top 2.2% in tier
Delinquency Rate ? 3.67%
-12.4% YoY -1.6% QoQ
+2.75% 0.92%
+15.7% YoY
0.46%
-16.5% YoY
0.98%
+16.3% YoY
Bottom 4.1% in tier
Loan-to-Deposit Ratio ? 61.79%
+10.3% YoY +1.7% QoQ
-16.17% 77.95%
+1.0% YoY
74.60%
+2.0% YoY
79.03%
+2.3% YoY
81%
Non-Interest-Bearing Deposit Share ? 20.94%
-2.6% YoY -0.5% QoQ
-1.09% 22.03%
-0.6% YoY
21.25%
-0.8% YoY
21.98%
-0.6% YoY
49%
Nonperforming Asset Ratio ? 2.00%
-10.9% YoY -1.2% QoQ
+1.33% 0.67%
+16.4% YoY
0.29%
-15.5% YoY
0.69%
+15.8% YoY
Bottom 7.1% in tier
Tier 1 Capital Ratio ? 15.47%
+20.1% YoY -1.8% QoQ
-0.44% 15.91%
+1.4% YoY
17.16%
+0.2% YoY
17.09%
+0.8% YoY
69%
Non-Interest Income / Assets ? 2.10%
+832.3% YoY +2.8% QoQ
+1.53% 0.57%
+7.6% YoY
0.29%
+23.1% YoY
0.66%
+5.2% YoY
Top 1.5% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Noninterest-Bearing 20.9%
-0.6pp YoY
-0.1pp QoQ
 -1.2pp 22.1% 21.7% 22.2% 49%
Brokered Deposits n/a n/a 7.9% 10.6% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
C&I 7.9%
-4.9pp YoY
-0.8pp QoQ
 -3.7pp 11.6% 9.8% 12.5% 39%
CRE n/a n/a 39.5% 43.3% 41.4% n/a
1-4 Family 44.3%
+5.4pp YoY
+1.8pp QoQ
 +11.6pp 32.6% 44.4% 31.3% 76%
Consumer 3.9%
-2.2pp YoY
-0.3pp QoQ
 -0.2pp 4.1% 4.5% 5.0% 69%

Capital

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
CET1 Ratio 15.5%
+2.6pp YoY
-0.3pp QoQ
 -3.4pp 18.8% 18.1% 19.7% 54%
Leverage Ratio 9.3%
+2.3pp YoY
-0.3pp QoQ
 -2.9pp 12.2% 12.3% 12.6% 16%
Total Capital Ratio 16.1%
+2.6pp YoY
-0.3pp QoQ
 -3.8pp 19.9% 19.1% 20.8% 49%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Full-Time Employees 97
0 YoY
+2 (+2.1%) QoQ
 +38 58 174 482 86%
Assets per Employee ($) $5.5M
+9.4% YoY
+0.4% QoQ
 -$2.0M $7.5M $7.8M $8.8M 23%
Branch Count 12
0 YoY
0 QoQ
 +7 4 12 18 95%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.0% 0.4% n/a
Nonaccrual 3.7%
-0.5pp YoY
-0.1pp QoQ
 +2.7pp 0.9% 0.5% 1.0% 96%
Allowance Coverage 0.20x
+18.7% YoY
-2.0% QoQ
 -23.96x 24.15x 15.59x 20.23x 1%
Net Charge-off Rate (YTD) 0.1%
-0.3pp YoY
0.0pp QoQ
 0.0pp 0.1% 0.1% 0.2% 78%

Profitability

Metric Current vs Tier Tier Avg State Avg (SC) National Avg Tier Percentile
ROE 80.7%
+58.2pp YoY
-42.3pp QoQ
 +68.5pp 12.2% 11.7% 11.6% 100%
Cost of Funds (YTD) 1.0%
-0.4pp YoY
0.0pp QoQ
 -0.7pp 1.7% 1.6% 1.7% 11%
Net Income ($, YTD) $16.0M
+733.2% YoY
— QoQ
 +$13.5M $2.6M $9.6M $40.4M 100%

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 661 • 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: 2.10%
(Tier: 0.57%, National: 0.66%)
better than tier avg
Return on Assets: 6.21%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable

Profitability Leader

growth
#6 of 661 • Top 0.8% in tier

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

Why this signature
Return on Assets: 6.21%
(Tier: 1.32%, National: 1.30%)
better than tier avg
661 of 661 Community banks match · 923 nationally
→ Stable | QoQ rank declining

Concerns (0)

No matched concern signatures this quarter

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).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

12
Return on Assets
profitability
Value: 6.21%
Peer Median: 1.32%
#12 of 2643 Top 0.4% in $100M-$1B
40
Non-Interest Income / Assets
revenue_mix
Value: 2.10%
Peer Median: 0.57%
#40 of 2643 Top 1.5% in $100M-$1B
58
Efficiency Ratio
profitability
Value: 36.69%
Peer Median: 64.48%
#58 of 2643 Top 2.2% in $100M-$1B
510
Loan-to-Deposit Ratio
liquidity
Value: 61.79%
Peer Median: 77.95%
#510 of 2643 Top 19.3% in $100M-$1B
608
Total Deposits
size
Value: $472.22M
Peer Median: $326.73M
#608 of 2643 Top 23.0% in $100M-$1B

Top Weaknesses (2 metrics)

2526
Delinquency Rate
credit_quality
Value: 3.67%
Peer Median: 0.92%
#2526 of 2633 Bottom 4.1% in $100M-$1B
2457
Nonperforming Asset Ratio
credit_quality
Value: 2.00%
Peer Median: 0.67%
#2457 of 2643 Bottom 7.1% in $100M-$1B
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