BlastPoint's Banking Scorecard

Enterprise Bank & Trust

$10B-$250B Specialty: Commercial MO FDIC cert 27237

Clayton, MO

57 branches across MO · AZ · CA · KS · NM · FL · NV

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 139 banks in the $10B-$250B peer group nationwide — 1 of 6 in MO.
Deposits +9.5% year over year ($14.7B on the books).
Delinquency rate 0.99%.
Return on assets 1.11%.
Efficiency ratio 60.26% vs a 53.67% peer average.
Loan-to-deposit ratio 79.80% vs a 82.61% peer average.

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

139 banks in the $10B-$250B peer group nationally 6 in MO

View $10B-$250B leaderboard (MO) →

Enterprise Bank & Trust has 1 strength but faces 2 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

+ Deposit Franchise: Top 33.3% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 27.8% in tier
- Efficiency Ratio 6.59% above tier average

Get updates when Enterprise Bank & Trust releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Total Assets ?	$17.4B +8.2% YoY +0.9% QoQ	-$26.2B	$43.6B -13.8% YoY	$1.6B +6.4% YoY	$6.3B +7.7% YoY	32%
Total Loans ?	$11.8B +4.4% YoY +1.8% QoQ	-$16.2B	$28.0B -8.6% YoY	$1.0B +10.0% YoY	$3.2B +9.4% YoY	32%
Total Deposits ?	$14.7B +9.5% YoY +0.5% QoQ	-$20.7B	$35.4B -14.0% YoY	$1.3B +6.1% YoY	$4.9B +7.3% YoY	34%
Return on Assets ?	1.11% -18.4% YoY -7.6% QoQ	-0.28%	1.39% +25.9% YoY	1.46% +5.9% YoY	1.30% +12.1% YoY	35%
Net Interest Margin ?	4.29% +2.1% YoY +0.8% QoQ	+0.37%	3.92% +8.9% YoY	4.55% +0.7% YoY	3.95% +4.9% YoY	84%
Efficiency Ratio ?	60.26% +3.4% YoY +0.6% QoQ	+6.59%	53.67% -1.9% YoY	59.57% -3.2% YoY	70.05% +2.5% YoY	28%
Delinquency Rate ?	0.99% -15.4% YoY +23.2% QoQ	-0.02%	1.01% -2.8% YoY	0.82% +12.6% YoY	0.98% +16.3% YoY	27%
Loan-to-Deposit Ratio ?	79.80% -4.7% YoY +1.3% QoQ	-2.81%	82.61% +3.1% YoY	80.82% +1.6% YoY	79.03% +2.3% YoY	69%
Non-Interest-Bearing Deposit Share ?	34.87% +5.2% YoY +3.0% QoQ	+14.29%	20.58% +4.9% YoY	20.71% -0.5% YoY	21.98% -0.6% YoY	Top 5.8% in tier
Nonperforming Asset Ratio ?	1.16% +32.3% YoY +12.1% QoQ	+0.43%	0.73% +5.8% YoY	0.67% +14.9% YoY	0.69% +15.8% YoY	Bottom 11.5% in tier
Tier 1 Capital Ratio ?	12.07% -3.2% YoY -0.6% QoQ	-3.28%	15.35% -0.4% YoY	15.38% -1.1% YoY	17.09% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.19% -15.7% YoY +91.2% QoQ	-0.31%	0.50% +10.5% YoY	0.58% +5.8% YoY	0.66% +5.2% YoY	22%

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 (MO)	National Avg	Tier Percentile
Noninterest-Bearing	34.9% +1.7pp YoY +1.0pp QoQ	+13.8pp	21.0%	20.9%	22.2%	93%
Brokered Deposits	6.7% -0.7pp YoY 0.0pp QoQ	-2.5pp	9.2%	7.4%	8.5%	54%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
C&I	38.4% -4.2pp YoY 0.0pp QoQ	+21.2pp	17.2%	12.3%	12.5%	96%
CRE	52.4% +0.5pp YoY -0.1pp QoQ	+10.3pp	42.0%	36.8%	41.4%	68%
1-4 Family	3.1% -0.2pp YoY +0.1pp QoQ	-20.0pp	23.1%	31.9%	31.3%	7%
Consumer	0.4% 0.0pp YoY 0.0pp QoQ	-12.4pp	12.9%	4.1%	5.0%	22%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
CET1 Ratio	12.1% -0.4pp YoY -0.1pp QoQ	-3.2pp	15.3%	18.5%	19.7%	24%
Leverage Ratio	9.9% -0.6pp YoY +0.1pp QoQ	-0.5pp	10.4%	11.6%	12.6%	45%
Total Capital Ratio	13.1% -0.5pp YoY -0.1pp QoQ	-3.4pp	16.5%	19.6%	20.8%	19%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Full-Time Employees	1,375 +88 (+6.8%) YoY -17 (-1.2%) QoQ	-1,883	3,258	162	482	31%
Assets per Employee ($)	$12.6M +1.2% YoY +2.2% QoQ	-$14.4M	$27.0M	$8.0M	$8.8M	52%
Branch Count	57 +12 (+26.7%) YoY 0 QoQ	-81	137	10	18	37%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% -0.4pp YoY 0.0pp QoQ	-0.4pp	0.4%	0.3%	0.4%	8%
Nonaccrual	1.0% +0.3pp YoY +0.2pp QoQ	+0.3pp	0.7%	0.8%	1.0%	84%
Allowance Coverage	1.19x +8.7% YoY -21.8% QoQ	-1.62x	2.81x	10.47x	20.23x	27%
Net Charge-off Rate (YTD)	0.3% +0.3pp YoY +0.2pp QoQ	-0.1pp	0.4%	0.3%	0.2%	73%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (MO)	National Avg	Tier Percentile
ROE	9.5% -2.0pp YoY -0.8pp QoQ	-3.2pp	12.6%	14.3%	11.6%	34%
Cost of Funds (YTD)	1.4% -0.3pp YoY 0.0pp QoQ	-0.5pp	2.0%	1.8%	1.7%	24%
Net Income ($, YTD)	$95.7M -10.5% YoY — QoQ	-$201.1M	$296.8M	$11.3M	$40.4M	27%

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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 (1)

Deposit Franchise

growth

#4 of 9 • Top 33.3% in tier

Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.

Why this signature

Noninterest-Bearing Deposit Share: 34.87%

(Tier: 20.58%, National: 21.98%)

better than tier avg

Net Interest Margin: 4.29%

(Tier: 3.92%, National: 3.95%)

better than tier avg

9 of 9 Large banks match · 368 nationally

→ Stable -1 banks QoQ

Concerns (1)

Margin Compression

decline

#6 of 18 • Bottom 27.8% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 1.11%

(Tier: 1.39%, National: 1.30%)

worse than tier avg

18 of 18 Large banks match · 413 nationally

→ Stable +8 banks QoQ

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 139 peers in $10B-$250B

Top Strengths (2 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 34.87%

Peer Median: 20.58%

#9 of 139 Top 5.8% in $10B-$250B

Net Interest Margin

profitability

Value: 4.29%

Peer Median: 3.92%

#23 of 139 Top 15.8% in $10B-$250B

Top Weaknesses (3 metrics)

124

Nonperforming Asset Ratio

credit_quality

Value: 1.16%

Peer Median: 0.73%

#124 of 139 Bottom 11.5% in $10B-$250B

109

Non-Interest Income / Assets

revenue_mix

Value: 0.19%

Peer Median: 0.50%

#109 of 139 Bottom 22.3% in $10B-$250B

107

Tier 1 Capital Ratio

capital

Value: 12.07%

Peer Median: 15.35%

#107 of 139 Bottom 23.7% in $10B-$250B