BlastPoint's Banking Scorecard
Enterprise Bank & Trust
Clayton, MO
58 branches across MO · AZ · CA · KS · NM · NV · FL
Enterprise Bank & Trust has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 30.0% in tier
- + Delinquency Rate 0.21% below tier average
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 40.0% in tier
- - Efficiency Ratio 5.87% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$17.2B
+9.9% YoY
-0.4% QoQ
|
-$29.8B |
$47.0B
-1.9% YoY
|
$1.6B
+6.5% YoY
|
$6.2B
+9.1% YoY
|
30% |
| Total Loans ? |
$11.6B
+3.5% YoY
-0.9% QoQ
|
-$17.8B |
$29.4B
-0.4% YoY
|
$1.0B
+8.5% YoY
|
$3.2B
+10.8% YoY
|
29% |
| Total Deposits ? |
$14.7B
+11.4% YoY
-0.7% QoQ
|
-$23.8B |
$38.4B
-1.6% YoY
|
$1.3B
+6.1% YoY
|
$4.8B
+8.2% YoY
|
32% |
| Return on Assets ? |
1.20%
-11.6% YoY
-6.8% QoQ
|
-0.08% |
1.28%
+18.7% YoY
|
1.43%
+10.8% YoY
|
1.23%
+13.4% YoY
|
51% |
| Net Interest Margin ? |
4.26%
+2.2% YoY
-0.2% QoQ
|
+0.49% |
3.77%
+5.8% YoY
|
4.51%
+2.1% YoY
|
3.89%
+5.7% YoY
|
Top 14.6% in tier |
| Efficiency Ratio ? |
59.88%
+3.8% YoY
+5.7% QoQ
|
+5.87% |
54.01%
-3.7% YoY
|
59.97%
-5.2% YoY
|
66.95%
-4.1% YoY
|
34% |
| Delinquency Rate ? |
0.81%
-32.1% YoY
-15.8% QoQ
|
-0.21% |
1.02%
-3.8% YoY
|
0.83%
+18.3% YoY
|
0.95%
+18.8% YoY
|
43% |
| Loan-to-Deposit Ratio ? |
78.81%
-7.0% YoY
-0.2% QoQ
|
-1.98% |
80.79%
+1.9% YoY
|
79.48%
+1.6% YoY
|
76.70%
+0.9% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
33.85%
+1.0% YoY
-0.6% QoQ
|
+13.81% |
20.04%
+0.2% YoY
|
20.72%
+0.3% YoY
|
22.01%
-1.2% YoY
|
Top 6.6% in tier |
| Nonperforming Asset Ratio ? |
1.03%
+19.1% YoY
-7.7% QoQ
|
+0.31% |
0.72%
+4.2% YoY
|
0.67%
+20.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 13.1% in tier |
| Tier 1 Capital Ratio ? |
12.14%
-2.0% YoY
+1.7% QoQ
|
-3.37% |
15.51%
-0.4% YoY
|
15.44%
-0.4% YoY
|
17.06%
+0.8% YoY
|
28% |
| Non-Interest Income / Assets ? |
0.10%
-8.9% YoY
-84.1% QoQ
|
-0.12% |
0.22%
+0.3% YoY
|
0.29%
+5.6% YoY
|
0.32%
+4.1% YoY
|
28% |
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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 (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.