BlastPoint's Banking Scorecard
Enterprise Bank of South Carolina
Micro
Specialty: Commercial
SC
FDIC cert 11539
Designations: ✓ Community bank
Ehrhardt, SC
2498
banks in Micro tier nationally
21 in SC
View Micro leaderboard (SC) →
Enterprise Bank of South Carolina has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 1.22% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.16% above tier
- - Nonperforming Asset Ratio 1.69% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$491.1M
-0.5% YoY
+0.3% QoQ
|
+$273.7M |
$217.5M
+2.3% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$276.7M
+7.8% YoY
+0.8% QoQ
|
+$137.5M |
$139.2M
+2.8% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$459.7M
-3.6% YoY
-1.5% QoQ
|
+$276.0M |
$183.7M
+1.8% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
2.30%
+338.2% YoY
+187.9% QoQ
|
+1.22% |
1.08%
+14.7% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
Top 5% in tier |
| Net Interest Margin ? |
3.57%
+13.1% YoY
+1.9% QoQ
|
-0.29% |
3.85%
+6.6% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
37% |
| Efficiency Ratio ? |
70.92%
-10.4% YoY
-3.4% QoQ
|
+3.19% |
67.73%
-4.8% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
3.80%
-20.9% YoY
-7.0% QoQ
|
+3.16% |
0.64%
+24.4% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
60.20%
+11.8% YoY
+2.3% QoQ
|
-14.33% |
74.53%
+0.5% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
25% |
| Non-Interest-Bearing Deposit Share ? |
21.36%
+0.0% YoY
+2.2% QoQ
|
-1.03% |
22.39%
-1.3% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
49% |
| Nonperforming Asset Ratio ? |
2.14%
-14.3% YoY
-6.6% QoQ
|
+1.69% |
0.45%
+25.1% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| Tier 1 Capital Ratio ? |
12.73%
+1.8% YoY
+0.2% QoQ
|
+3.88% |
8.85%
-3.4% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
62% |
| Non-Interest Income / Assets ? |
0.45%
+5.0% YoY
+33.8% QoQ
|
-0.11% |
0.56%
+0.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
63% |
Signature Analysis
Strengths (1)
Return on Assets
metric
Top 5%
in Micro
Why this stands out
Current:
2.30%
(Tier avg: 1.08%, National avg: 1.12%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.80%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.14%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
100
100th pctile
Total Deposits
Current: $459.7M · Tier avg: $183.7M
99
99th pctile
Total Assets
Current: $491.1M · Tier avg: $217.5M
95
95th pctile
Return on Assets
Current: 2.30% · Tier avg: 1.08%
89
89th pctile
Total Loans
Current: $276.7M · Tier avg: $139.2M
63
63th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.73% · Tier avg: 8.85%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 21.36% · Tier avg: 22.39%
38
38th pctile
Efficiency Ratio
Current: 70.92% · Tier avg: 67.73%
37
37th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.85%
25
25th pctile
Loan-to-Deposit Ratio
Current: 60.20% · Tier avg: 74.53%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.14% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.80% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.80% · Tier avg: 0.64%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.14% · Tier avg: 0.45%
25
25th pctile
Loan-to-Deposit Ratio
Current: 60.20% · Tier avg: 74.53%
37
37th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.85%
38
38th pctile
Efficiency Ratio
Current: 70.92% · Tier avg: 67.73%
49
49th pctile
Non-Interest-Bearing Deposit Share
Current: 21.36% · Tier avg: 22.39%
62
62th pctile
Tier 1 Capital Ratio
Current: 12.73% · Tier avg: 8.85%
63
63th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
89
89th pctile
Total Loans
Current: $276.7M · Tier avg: $139.2M
95
95th pctile
Return on Assets
Current: 2.30% · Tier avg: 1.08%
99
99th pctile
Total Assets
Current: $491.1M · Tier avg: $217.5M
100
100th pctile
Total Deposits
Current: $459.7M · Tier avg: $183.7M