BlastPoint's Banking Scorecard

Enterprise Bank

$100M-$1B Specialty: Commercial PA FDIC cert 34786

Allison Park, PA

2664 banks in the $100M-$1B peer group nationally 55 in PA

Enterprise Bank has 1 strength but faces 7 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 39.8% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 37.2% in tier
- Delinquency Rate 5.46% above tier average
- Non-Interest-Bearing Deposit Share 20.31% below tier average
- Nonperforming Asset Ratio 6.42% above tier average
- ROA 0.39% below tier average
- Net Interest Margin 0.68% below tier average
- Efficiency Ratio 7.55% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$507.4M +8.3% YoY +3.2% QoQ	+$121.4M	$386.1M +0.5% YoY	$3.1B +7.0% YoY	$6.2B +9.1% YoY	73%
Total Loans ?	$359.3M +9.5% YoY +6.7% QoQ	+$103.6M	$255.7M +1.1% YoY	$2.2B +7.7% YoY	$3.2B +10.8% YoY	75%
Total Deposits ?	$398.4M +8.3% YoY +2.2% QoQ	+$70.4M	$328.0M +0.1% YoY	$2.6B +7.1% YoY	$4.8B +8.2% YoY	69%
Return on Assets ?	0.88% +71.1% YoY -5.8% QoQ	-0.39%	1.27% +12.9% YoY	1.46% +26.2% YoY	1.23% +13.4% YoY	30%
Net Interest Margin ?	3.25% +0.2% YoY -8.7% QoQ	-0.68%	3.93% +6.0% YoY	3.32% +8.7% YoY	3.89% +5.7% YoY	20%
Efficiency Ratio ?	72.83% -8.2% YoY +2.7% QoQ	+7.55%	65.29% -4.5% YoY	69.09% -7.7% YoY	66.95% -4.1% YoY	26%
Delinquency Rate ?	6.35% +135.6% YoY +17.0% QoQ	+5.46%	0.89% +18.8% YoY	0.92% +20.5% YoY	0.95% +18.8% YoY	Bottom 1.1% in tier
Loan-to-Deposit Ratio ?	90.18% +1.1% YoY +4.3% QoQ	+13.54%	76.64% +0.8% YoY	83.35% -0.2% YoY	76.70% +0.9% YoY	24%
Non-Interest-Bearing Deposit Share ?	1.71% -14.7% YoY -16.8% QoQ	-20.31%	22.02% -1.0% YoY	17.71% -0.1% YoY	22.01% -1.2% YoY	Bottom 1.4% in tier
Nonperforming Asset Ratio ?	7.06% +19.4% YoY -10.8% QoQ	+6.42%	0.64% +19.7% YoY	0.67% +14.7% YoY	0.67% +19.3% YoY	Bottom 0.3% in tier
Tier 1 Capital Ratio ?	11.11% -1.0% YoY -3.7% QoQ	-4.72%	15.83% +1.5% YoY	20.10% +0.3% YoY	17.06% +0.8% YoY	24%
Non-Interest Income / Assets ?	0.33% +138.0% YoY -64.3% QoQ	+0.05%	0.28% +9.3% YoY	0.69% +18.0% YoY	0.32% +4.1% YoY	Top 6.1% 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 (1)

Revenue Diversifier

growth

#266 of 666 • Top 39.8% 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: 0.33%

(Tier: 0.28%, National: 0.32%)

better than tier avg

Return on Assets: 0.88%

(Tier: 1.27%, National: 1.23%)

but worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

Concerns (1)

Liquidity Strain

risk

#240 of 643 • Bottom 37.2% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 90.18%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 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 2664 peers in $100M-$1B

Top Strengths (2 metrics)

164

Non-Interest Income / Assets

revenue_mix

Value: 0.33%

Peer Median: 0.28%

#164 of 2664 Top 6.1% in $100M-$1B

657

Total Loans

size

Value: $359.27M

Peer Median: $255.72M

#657 of 2664 Top 24.6% in $100M-$1B

Top Weaknesses (6 metrics)

2656

Nonperforming Asset Ratio

credit_quality

Value: 7.06%

Peer Median: 0.64%

#2656 of 2664 Bottom 0.3% in $100M-$1B

2625

Delinquency Rate

credit_quality

Value: 6.35%

Peer Median: 0.89%

#2625 of 2654 Bottom 1.1% in $100M-$1B

2629

Non-Interest-Bearing Deposit Share

funding

Value: 1.71%

Peer Median: 22.02%

#2629 of 2664 Bottom 1.4% in $100M-$1B

2134

Net Interest Margin

profitability

Value: 3.25%

Peer Median: 3.93%

#2134 of 2664 Bottom 19.9% in $100M-$1B

2031

Loan-to-Deposit Ratio

liquidity

Value: 90.18%

Peer Median: 76.64%

#2031 of 2664 Bottom 23.8% in $100M-$1B

2017

Tier 1 Capital Ratio

capital

Value: 11.11%

Peer Median: 15.83%

#2017 of 2664 Bottom 24.3% in $100M-$1B