BlastPoint's Banking Scorecard
Enterprise Bank
Community
Specialty: Commercial
NE
FDIC cert 33380
Omaha, NE
1484
banks in Community tier nationally
39 in NE
View Community leaderboard (NE) →
Enterprise Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
- + Nonperforming Asset Ratio 0.50% below tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 40% in Community
- - Non-Interest Income / Assets 0.62% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NE) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$578.6M
+10.3% YoY
+5.4% QoQ
|
-$812.9M |
$1.4B
+2.0% YoY
|
$784.0M
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 11% in tier |
| Total Loans ? |
$458.9M
+3.7% YoY
-0.1% QoQ
|
-$516.6M |
$975.5M
+2.4% YoY
|
$552.2M
+6.8% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$461.0M
+10.2% YoY
+6.9% QoQ
|
-$703.6M |
$1.2B
+1.7% YoY
|
$649.0M
+5.0% YoY
|
$4.7B
+6.3% YoY
|
Bottom 7% in tier |
| Return on Assets ? |
0.91%
+85.4% YoY
+16.5% QoQ
|
-0.25% |
1.16%
+17.2% YoY
|
1.20%
+15.2% YoY
|
1.12%
+15.6% YoY
|
32% |
| Net Interest Margin ? |
2.86%
+16.6% YoY
+1.9% QoQ
|
-0.80% |
3.66%
+9.1% YoY
|
3.74%
+7.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 13% in tier |
| Efficiency Ratio ? |
59.86%
-15.2% YoY
-4.0% QoQ
|
-2.77% |
62.63%
-5.3% YoY
|
61.59%
-6.3% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? | 0.00% | -0.63% |
0.63%
+18.3% YoY
|
0.29%
+38.1% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
99.54%
-5.9% YoY
-6.5% QoQ
|
+16.48% |
83.06%
+0.3% YoY
|
82.86%
+0.3% YoY
|
78.04%
+0.7% YoY
|
Top 14% in tier |
| Non-Interest-Bearing Deposit Share ? |
13.43%
-4.3% YoY
+0.9% QoQ
|
-7.61% |
21.05%
-0.9% YoY
|
18.22%
-2.1% YoY
|
21.79%
-1.3% YoY
|
19% |
| Nonperforming Asset Ratio ? | 0.00% | -0.50% |
0.50%
+20.3% YoY
|
0.26%
+54.6% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
13.21%
+10.6% YoY
+3.4% QoQ
|
+2.96% |
10.24%
-0.6% YoY
|
6.79%
+0.2% YoY
|
9.75%
-1.9% YoY
|
60% |
| Non-Interest Income / Assets ? |
0.12%
-1.0% YoY
+31.1% QoQ
|
-0.62% |
0.74%
-1.3% YoY
|
0.47%
-3.0% YoY
|
0.65%
+0.6% YoY
|
Bottom 4% in tier |
Signature Analysis
Strengths (2)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.50%, National avg: 0.48%)
Concerns (2)
Liquidity Strain
risk
#208 of 513 · Bottom 40% in Community
Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Why this signature
Loan-to-Deposit Ratio:
99.54%
(Tier: 83.06%, National: 78.04%)
513 of 513 Community banks match
·
609 nationally
→ Stable
-4 banks QoQ
|
QoQ rank improving
Non-Interest Income / Assets
metric
Bottom 4%
in Community
Why this stands out
Current:
0.12%
(Tier avg: 0.74%, National avg: 0.65%)
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
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
86
86th pctile
Loan-to-Deposit Ratio
Current: 99.54% · Tier avg: 83.06%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.21% · Tier avg: 10.24%
57
57th pctile
Efficiency Ratio
Current: 59.86% · Tier avg: 62.63%
32
32th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.16%
24
24th pctile
Total Loans
Current: $458.9M · Tier avg: $975.5M
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.43% · Tier avg: 21.05%
13
13th pctile
Net Interest Margin
Current: 2.86% · Tier avg: 3.66%
11
11th pctile
Total Assets
Current: $578.6M · Tier avg: $1.4B
7
7th pctile
Total Deposits
Current: $461.0M · Tier avg: $1.2B
4
4th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.74%
Top Weaknesses
4
4th pctile
Non-Interest Income / Assets
Current: 0.12% · Tier avg: 0.74%
7
7th pctile
Total Deposits
Current: $461.0M · Tier avg: $1.2B
11
11th pctile
Total Assets
Current: $578.6M · Tier avg: $1.4B
13
13th pctile
Net Interest Margin
Current: 2.86% · Tier avg: 3.66%
19
19th pctile
Non-Interest-Bearing Deposit Share
Current: 13.43% · Tier avg: 21.05%
24
24th pctile
Total Loans
Current: $458.9M · Tier avg: $975.5M
32
32th pctile
Return on Assets
Current: 0.91% · Tier avg: 1.16%
57
57th pctile
Efficiency Ratio
Current: 59.86% · Tier avg: 62.63%
60
60th pctile
Tier 1 Capital Ratio
Current: 13.21% · Tier avg: 10.24%
86
86th pctile
Loan-to-Deposit Ratio
Current: 99.54% · Tier avg: 83.06%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%