BlastPoint's Banking Scorecard
Enterprise Bank & Trust
Mid-Market
Specialty: Commercial
MO
FDIC cert 27237
Clayton, MO
201
banks in Mid-Market tier nationally
7 in MO
View Mid-Market leaderboard (MO) →
Enterprise Bank & Trust has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 52% in Mid-Market
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 44% in Mid-Market
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MO) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$17.3B
+10.9% YoY
+5.4% QoQ
|
+$6.8B |
$10.5B
+2.9% YoY
|
$1.5B
+13.3% YoY
|
$5.9B
+6.5% YoY
|
Top 14% in tier |
| Total Loans ? |
$11.7B
+5.2% YoY
+2.0% QoQ
|
+$4.5B |
$7.1B
+4.5% YoY
|
$962.2M
+12.2% YoY
|
$3.1B
+8.5% YoY
|
85% |
| Total Deposits ? |
$14.8B
+11.2% YoY
+7.7% QoQ
|
+$6.2B |
$8.5B
+3.0% YoY
|
$1.3B
+12.4% YoY
|
$4.7B
+6.3% YoY
|
Top 12% in tier |
| Return on Assets ? |
1.29%
-3.2% YoY
-0.4% QoQ
|
+0.12% |
1.16%
+9.4% YoY
|
1.34%
+11.8% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
4.27%
+1.2% YoY
+0.8% QoQ
|
+0.88% |
3.40%
+7.9% YoY
|
3.96%
+8.2% YoY
|
3.75%
+7.1% YoY
|
Top 12% in tier |
| Efficiency Ratio ? |
56.65%
-1.9% YoY
+1.2% QoQ
|
+0.04% |
56.60%
-3.2% YoY
|
60.96%
-4.9% YoY
|
65.09%
-5.1% YoY
|
51% |
| Delinquency Rate ? |
0.96%
+64.2% YoY
-32.1% QoQ
|
+0.27% |
0.68%
+12.0% YoY
|
0.68%
+40.2% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
78.98%
-5.4% YoY
-5.3% QoQ
|
-6.49% |
85.47%
+1.1% YoY
|
81.02%
+1.1% YoY
|
78.04%
+0.7% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
34.06%
-2.0% YoY
+3.1% QoQ
|
+13.42% |
20.64%
-0.3% YoY
|
21.00%
+0.9% YoY
|
21.79%
-1.3% YoY
|
Top 7% in tier |
| Nonperforming Asset Ratio ? |
1.12%
+153.9% YoY
+8.3% QoQ
|
+0.62% |
0.50%
+7.3% YoY
|
0.56%
+46.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 10% in tier |
| Tier 1 Capital Ratio ? |
11.94%
-3.7% YoY
-3.9% QoQ
|
-1.61% |
13.55%
+1.8% YoY
|
8.09%
-3.5% YoY
|
9.75%
-1.9% YoY
|
30% |
| Non-Interest Income / Assets ? |
0.62%
+47.1% YoY
+24.9% QoQ
|
-0.33% |
0.96%
+7.1% YoY
|
0.63%
+2.3% YoY
|
0.65%
+0.6% YoY
|
41% |
Signature Analysis
Strengths (1)
Deposit Franchise
growth
#12 of 22 · Top 52% in Mid-Market
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:
34.06%
(Tier: 20.64%, National: 21.79%)
Net Interest Margin:
4.27%
(Tier: 3.40%, National: 3.75%)
22 of 22 Mid-Market banks match
·
176 nationally
→ Stable
+2 banks QoQ
Concerns (1)
Credit Risk Growth
risk
#39 of 87 · Bottom 44% in Mid-Market
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
87 of 87 Mid-Market banks match
·
759 nationally
→ Stable
+24 banks QoQ
|
QoQ rank improving
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
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 34.06% · Tier avg: 20.64%
88
88th pctile
Total Deposits
Current: $14.8B · Tier avg: $8.5B
88
88th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.40%
86
86th pctile
Total Assets
Current: $17.3B · Tier avg: $10.5B
85
85th pctile
Total Loans
Current: $11.7B · Tier avg: $7.1B
72
72th pctile
Loan-to-Deposit Ratio
Current: 78.98% · Tier avg: 85.47%
63
63th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.16%
51
51th pctile
Efficiency Ratio
Current: 56.65% · Tier avg: 56.60%
41
41th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.96%
30
30th pctile
Tier 1 Capital Ratio
Current: 11.94% · Tier avg: 13.55%
27
27th pctile
Delinquency Rate
Current: 0.96% · Tier avg: 0.68%
10
10th pctile
Nonperforming Asset Ratio
Current: 1.12% · Tier avg: 0.50%
Top Weaknesses
10
10th pctile
Nonperforming Asset Ratio
Current: 1.12% · Tier avg: 0.50%
27
27th pctile
Delinquency Rate
Current: 0.96% · Tier avg: 0.68%
30
30th pctile
Tier 1 Capital Ratio
Current: 11.94% · Tier avg: 13.55%
41
41th pctile
Non-Interest Income / Assets
Current: 0.62% · Tier avg: 0.96%
51
51th pctile
Efficiency Ratio
Current: 56.65% · Tier avg: 56.60%
63
63th pctile
Return on Assets
Current: 1.29% · Tier avg: 1.16%
72
72th pctile
Loan-to-Deposit Ratio
Current: 78.98% · Tier avg: 85.47%
85
85th pctile
Total Loans
Current: $11.7B · Tier avg: $7.1B
86
86th pctile
Total Assets
Current: $17.3B · Tier avg: $10.5B
88
88th pctile
Net Interest Margin
Current: 4.27% · Tier avg: 3.40%
88
88th pctile
Total Deposits
Current: $14.8B · Tier avg: $8.5B
93
93th pctile
Non-Interest-Bearing Deposit Share
Current: 34.06% · Tier avg: 20.64%