BlastPoint's Banking Scorecard

Enterprise Bank

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

Allison Park, PA

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 55 in PA.
Deposits +9.2% year over year ($415.7M on the books).
Delinquency rate 6.20%.
Return on assets 0.78%.
Efficiency ratio 73.95% vs a 64.48% peer average.
Loan-to-deposit ratio 86.19% 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 55 in PA

View $100M-$1B leaderboard (PA) →

Enterprise Bank faces 6 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 34.8% in tier
- Delinquency Rate 5.29% above tier average
- Non-Interest-Bearing Deposit Share 20.11% below tier average
- Nonperforming Asset Ratio 6.09% above tier average
- Net Interest Margin 0.87% below tier average
- Efficiency Ratio 9.47% above tier average

Get updates when Enterprise Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Total Assets ?	$524.6M +8.9% YoY +3.4% QoQ	+$138.1M	$386.6M +1.2% YoY	$3.1B +7.3% YoY	$6.3B +7.7% YoY	74%
Total Loans ?	$358.3M +5.7% YoY -0.3% QoQ	+$99.9M	$258.3M +1.7% YoY	$2.3B +8.0% YoY	$3.2B +9.4% YoY	75%
Total Deposits ?	$415.7M +9.2% YoY +4.3% QoQ	+$88.9M	$326.7M +0.7% YoY	$2.6B +7.1% YoY	$4.9B +7.3% YoY	71%
Return on Assets ?	0.78% -12.1% YoY -11.4% QoQ	-0.54%	1.32% +10.8% YoY	1.63% +26.6% YoY	1.30% +12.1% YoY	22%
Net Interest Margin ?	3.12% -2.5% YoY -4.2% QoQ	-0.87%	3.99% +5.0% YoY	3.40% +8.7% YoY	3.95% +4.9% YoY	Bottom 13.2% in tier
Efficiency Ratio ?	73.95% +3.6% YoY +1.5% QoQ	+9.47%	64.48% -3.2% YoY	66.68% -6.6% YoY	70.05% +2.5% YoY	22%
Delinquency Rate ?	6.20% +150.3% YoY -2.3% QoQ	+5.29%	0.92% +15.7% YoY	0.92% +32.0% YoY	0.98% +16.3% YoY	Bottom 1.5% in tier
Loan-to-Deposit Ratio ?	86.19% -3.2% YoY -4.4% QoQ	+8.24%	77.95% +1.0% YoY	84.75% +0.9% YoY	79.03% +2.3% YoY	35%
Non-Interest-Bearing Deposit Share ?	1.92% +17.9% YoY +12.5% QoQ	-20.11%	22.03% -0.6% YoY	18.04% +1.4% YoY	21.98% -0.6% YoY	Bottom 1.6% in tier
Nonperforming Asset Ratio ?	6.76% +25.1% YoY -4.2% QoQ	+6.09%	0.67% +16.4% YoY	0.67% +21.3% YoY	0.69% +15.8% YoY	Bottom 0.4% in tier
Tier 1 Capital Ratio ?	11.34% -0.0% YoY +2.1% QoQ	-4.57%	15.91% +1.4% YoY	19.93% +0.1% YoY	17.09% +0.8% YoY	27%
Non-Interest Income / Assets ?	0.52% -4.1% YoY +59.4% QoQ	-0.05%	0.57% +7.6% YoY	1.47% +21.0% YoY	0.66% +5.2% YoY	Top 8.8% 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 (PA)	National Avg	Tier Percentile
Noninterest-Bearing	1.9% +0.3pp YoY +0.2pp QoQ	-20.2pp	22.1%	18.7%	22.2%	1%
Brokered Deposits	41.3% -5.0pp YoY -1.7pp QoQ	+33.5pp	7.9%	6.8%	8.5%	99%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
C&I	9.0% +0.6pp YoY -0.2pp QoQ	-2.5pp	11.6%	8.6%	12.5%	46%
CRE	81.0% -0.9pp YoY -0.4pp QoQ	+41.5pp	39.5%	37.9%	41.4%	98%
1-4 Family	9.4% +0.6pp YoY +0.9pp QoQ	-23.2pp	32.6%	47.8%	31.3%	10%
Consumer	0.0% 0.0pp YoY 0.0pp QoQ	-4.1pp	4.1%	3.8%	5.0%	0%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
CET1 Ratio	11.3% 0.0pp YoY +0.2pp QoQ	-7.5pp	18.8%	22.3%	19.7%	10%
Leverage Ratio	8.2% -0.2pp YoY -0.1pp QoQ	-4.0pp	12.2%	13.2%	12.6%	3%
Total Capital Ratio	11.7% 0.0pp YoY +0.2pp QoQ	-8.3pp	19.9%	23.3%	20.8%	5%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Full-Time Employees	70 +5 (+7.7%) YoY +3 (+4.5%) QoQ	+11	58	299	482	71%
Assets per Employee ($)	$7.5M +1.2% YoY -1.0% QoQ	-$24K	$7.5M	$9.2M	$8.8M	61%
Branch Count	1 0 YoY 0 QoQ	-4	4	20	18	0%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.2%	0.4%	n/a
Nonaccrual	6.2% +3.7pp YoY -0.1pp QoQ	+5.3pp	0.9%	0.9%	1.0%	99%
Allowance Coverage	0.05x -60.7% YoY +3.8% QoQ	-24.10x	24.15x	3.63x	20.23x	0%
Net Charge-off Rate (YTD)	-0.0% -0.1pp YoY 0.0pp QoQ	-0.2pp	0.1%	0.1%	0.2%	10%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (PA)	National Avg	Tier Percentile
ROE	9.6% -1.3pp YoY -1.2pp QoQ	-2.6pp	12.2%	10.2%	11.6%	34%
Cost of Funds (YTD)	2.9% -0.1pp YoY +0.1pp QoQ	+1.2pp	1.7%	1.8%	1.7%	97%
Net Income ($, YTD)	$2.0M -5.5% YoY — QoQ	-$574K	$2.6M	$18.2M	$40.4M	52%

Get Full Access to Enterprise Bank

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

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 (0)

No matched strength signatures this quarter

Concerns (1)

Margin Compression

decline

#108 of 307 • Bottom 34.8% 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: 0.78%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community 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 2643 peers in $100M-$1B

Top Strengths (1 metrics)

234

Non-Interest Income / Assets

revenue_mix

Value: 0.52%

Peer Median: 0.57%

#234 of 2643 Top 8.8% in $100M-$1B

Top Weaknesses (6 metrics)

2634

Nonperforming Asset Ratio

credit_quality

Value: 6.76%

Peer Median: 0.67%

#2634 of 2643 Bottom 0.4% in $100M-$1B

2594

Delinquency Rate

credit_quality

Value: 6.20%

Peer Median: 0.92%

#2594 of 2633 Bottom 1.5% in $100M-$1B

2603

Non-Interest-Bearing Deposit Share

funding

Value: 1.92%

Peer Median: 22.03%

#2603 of 2643 Bottom 1.6% in $100M-$1B

2296

Net Interest Margin

profitability

Value: 3.12%

Peer Median: 3.99%

#2296 of 2643 Bottom 13.2% in $100M-$1B

2060

Efficiency Ratio

profitability

Value: 73.95%

Peer Median: 64.48%

#2060 of 2643 Bottom 22.1% in $100M-$1B

2054

Return on Assets

profitability

Value: 0.78%

Peer Median: 1.32%

#2054 of 2643 Bottom 22.3% in $100M-$1B