BlastPoint's Banking Scorecard
Enterprise Bank
Micro
Specialty: Commercial
PA
FDIC cert 34786
Designations: ✓ Community bank
Allison Park, PA
2498
banks in Micro tier nationally
44 in PA
View Micro leaderboard (PA) →
Enterprise Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest Income / Assets 0.35% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 4.78% above tier
- - Non-Interest-Bearing Deposit Share 20.34% below tier
- - Nonperforming Asset Ratio 7.46% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (PA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$491.7M
+5.3% YoY
-2.2% QoQ
|
+$274.2M |
$217.5M
+2.3% YoY
|
$3.0B
+6.6% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$336.9M
+3.2% YoY
-0.6% QoQ
|
+$197.7M |
$139.2M
+2.8% YoY
|
$2.2B
+7.9% YoY
|
$3.1B
+8.5% YoY
|
Top 3% in tier |
| Total Deposits ? |
$389.6M
+8.3% YoY
-2.7% QoQ
|
+$206.0M |
$183.7M
+1.8% YoY
|
$2.5B
+6.7% YoY
|
$4.7B
+6.3% YoY
|
Top 4% in tier |
| Return on Assets ? |
0.94%
-4.7% YoY
-9.5% QoQ
|
-0.15% |
1.08%
+14.7% YoY
|
0.80%
+34.8% YoY
|
1.12%
+15.6% YoY
|
42% |
| Net Interest Margin ? |
3.57%
+5.4% YoY
-2.2% QoQ
|
-0.29% |
3.85%
+6.6% YoY
|
3.23%
+9.5% YoY
|
3.75%
+7.1% YoY
|
37% |
| Efficiency Ratio ? |
70.91%
-1.0% YoY
+3.8% QoQ
|
+3.18% |
67.73%
-4.8% YoY
|
70.08%
-6.4% YoY
|
65.09%
-5.1% YoY
|
38% |
| Delinquency Rate ? |
5.42%
+84.8% YoY
+20.7% QoQ
|
+4.78% |
0.64%
+24.4% YoY
|
0.65%
+5.6% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
86.45%
-4.7% YoY
+2.2% QoQ
|
+11.93% |
74.53%
+0.5% YoY
|
84.39%
-0.1% YoY
|
78.04%
+0.7% YoY
|
30% |
| Non-Interest-Bearing Deposit Share ? |
2.05%
+9.6% YoY
+6.1% QoQ
|
-20.34% |
22.39%
-1.3% YoY
|
17.53%
+0.3% YoY
|
21.79%
-1.3% YoY
|
Bottom 3% in tier |
| Nonperforming Asset Ratio ? |
7.92%
+30.1% YoY
+11.6% QoQ
|
+7.46% |
0.45%
+25.1% YoY
|
0.48%
+10.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? |
11.53%
-3.2% YoY
+1.7% QoQ
|
+2.68% |
8.85%
-3.4% YoY
|
11.49%
+7.4% YoY
|
9.75%
-1.9% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.92%
-16.1% YoY
+29.7% QoQ
|
+0.35% |
0.56%
+0.3% YoY
|
0.53%
+5.0% YoY
|
0.65%
+0.6% YoY
|
Top 9% in tier |
Signature Analysis
Strengths (1)
Non-Interest Income / Assets
metric
Top 9%
in Micro
Why this stands out
Current:
0.92%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (3)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
5.42%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Bottom 3%
in Micro
Why this stands out
Current:
2.05%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
7.92%
(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
99
99th pctile
Total Assets
Current: $491.7M · Tier avg: $217.5M
97
97th pctile
Total Loans
Current: $336.9M · Tier avg: $139.2M
96
96th pctile
Total Deposits
Current: $389.6M · Tier avg: $183.7M
91
91th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.56%
57
57th pctile
Tier 1 Capital Ratio
Current: 11.53% · Tier avg: 8.85%
42
42th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.08%
38
38th pctile
Efficiency Ratio
Current: 70.91% · Tier avg: 67.73%
37
37th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.85%
30
30th pctile
Loan-to-Deposit Ratio
Current: 86.45% · Tier avg: 74.53%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.05% · Tier avg: 22.39%
0
0th pctile
Delinquency Rate
Current: 5.42% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 7.92% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 7.92% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 5.42% · Tier avg: 0.64%
3
3th pctile
Non-Interest-Bearing Deposit Share
Current: 2.05% · Tier avg: 22.39%
30
30th pctile
Loan-to-Deposit Ratio
Current: 86.45% · Tier avg: 74.53%
37
37th pctile
Net Interest Margin
Current: 3.57% · Tier avg: 3.85%
38
38th pctile
Efficiency Ratio
Current: 70.91% · Tier avg: 67.73%
42
42th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.08%
57
57th pctile
Tier 1 Capital Ratio
Current: 11.53% · Tier avg: 8.85%
91
91th pctile
Non-Interest Income / Assets
Current: 0.92% · Tier avg: 0.56%
96
96th pctile
Total Deposits
Current: $389.6M · Tier avg: $183.7M
97
97th pctile
Total Loans
Current: $336.9M · Tier avg: $139.2M
99
99th pctile
Total Assets
Current: $491.7M · Tier avg: $217.5M