BlastPoint's Banking Scorecard

Enterprise Bank & Trust

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

Clayton, MO

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

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

Enterprise Bank & Trust has 2 strengths 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 22.2% in tier
+ Delinquency Rate 0.21% below tier average

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 35.7% in tier
- Efficiency Ratio 5.98% above tier average

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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	-$30.2B	$47.4B -2.0% YoY	$1.6B +6.5% YoY	$6.2B +9.0% YoY	30%
Total Loans ?	$11.6B +3.5% YoY -0.9% QoQ	-$18.1B	$29.6B -0.4% YoY	$1.0B +8.5% YoY	$3.2B +10.7% YoY	29%
Total Deposits ?	$14.7B +11.4% YoY -0.7% QoQ	-$24.1B	$38.7B -1.6% YoY	$1.3B +6.1% YoY	$4.8B +8.0% YoY	32%
Return on Assets ?	1.20% -11.6% YoY -6.8% QoQ	-0.09%	1.28% +19.3% YoY	1.43% +10.8% YoY	1.24% +13.1% YoY	50%
Net Interest Margin ?	4.26% +2.2% YoY -0.2% QoQ	+0.49%	3.77% +5.6% YoY	4.51% +2.1% YoY	3.89% +5.7% YoY	Top 14.1% in tier
Efficiency Ratio ?	59.88% +3.8% YoY +5.7% QoQ	+5.98%	53.90% -4.0% YoY	59.97% -5.2% YoY	66.84% -3.8% YoY	33%
Delinquency Rate ?	0.81% -32.1% YoY -15.8% QoQ	-0.21%	1.02% -4.1% YoY	0.83% +18.3% YoY	0.95% +18.8% YoY	43%
Loan-to-Deposit Ratio ?	78.81% -7.0% YoY -0.2% QoQ	-2.07%	80.88% +2.0% YoY	79.48% +1.6% YoY	76.69% +0.9% YoY	68%
Non-Interest-Bearing Deposit Share ?	33.85% +1.0% YoY -0.6% QoQ	+14.02%	19.82% +0.3% YoY	20.72% +0.3% YoY	22.01% -1.1% YoY	Top 5.9% in tier
Nonperforming Asset Ratio ?	1.03% +19.1% YoY -7.7% QoQ	+0.31%	0.73% +4.0% YoY	0.67% +20.5% YoY	0.66% +19.3% YoY	Bottom 13.3% in tier
Tier 1 Capital Ratio ?	12.14% -2.0% YoY +1.7% QoQ	-3.42%	15.56% -0.1% YoY	15.44% -0.4% YoY	17.06% +0.8% YoY	28%
Non-Interest Income / Assets ?	0.10% -8.9% YoY -84.1% QoQ	-0.13%	0.23% +0.9% YoY	0.29% +5.6% YoY	0.32% +4.0% YoY	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

#3 of 9 • Top 22.2% 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: 33.85%

(Tier: 19.82%, National: 22.01%)

better than tier avg

Net Interest Margin: 4.26%

(Tier: 3.77%, National: 3.89%)

better than tier avg

9 of 9 Large banks match · 369 nationally

→ Stable -13 banks QoQ

Concerns (1)

Margin Compression

decline

#6 of 14 • Bottom 35.7% 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: 1.20%

(Tier: 1.28%, National: 1.24%)

worse than tier avg

14 of 14 Large banks match · 406 nationally

↑ Growing +93 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 135 peers in $10B-$250B

Top Strengths (2 metrics)

Non-Interest-Bearing Deposit Share

funding

Value: 33.85%

Peer Median: 19.82%

#9 of 135 Top 5.9% in $10B-$250B

Net Interest Margin

profitability

Value: 4.26%

Peer Median: 3.77%

#20 of 135 Top 14.1% in $10B-$250B

Top Weaknesses (1 metrics)

118

Nonperforming Asset Ratio

credit_quality

Value: 1.03%

Peer Median: 0.73%

#118 of 135 Bottom 13.3% in $10B-$250B