← The catalogue
Q2 2026 · read from the 30 June 2026 Call Report · United States · Plains · Missouri, the state note

Enterprise Bank & Trust

Clayton, Missouri · $17.36B in assets · beside the 5 other Missouri banks over $10B

The filing

11.8%
Equity / assets
1st of 6
1.10%
ROA
6th of 6
61.0%
Efficiency
6th of 6

Enterprise Bank & Trust is the fifth largest of the 6 Missouri banks over $10B, with $17.36B in assets at 30 June 2026. Loans are 80.8% of deposits, 5th of 6 against a median of 73.5%, and equity is 11.8% of assets, the highest in the cohort. Loans grew +4.2% in the year, 5th of 6, and deposits grew 9.5%; the cohort's median loan growth is +9.2%.

Noncurrent loans are 0.98% of the book, 5th of 6 against a median of 0.42%; 0.80% is 30 to 89 days past due, and the allowance covers them 1.2 times. Net charge-offs are 0.30% of loans, 5th of 6. Commercial real estate is 31.7% of loans, 5th of 6 against a median of 22.5%, and 207% of capital, below the 300% screen, with construction at 36% against the 100% screen.

Return on assets is 1.10%, the lowest in the cohort against a median of 1.36%, on an efficiency ratio of 61.0%, the highest in the cohort. Five years ago it was 1.43%. The question is which of these lines moves first over the next four quarters, and against which peer.

Return on assetsMO banks over $10B · 30 June 2026 · higher is stronger, listed first
median 1.36% CT Central Trust Bank 2.00% SB Stifel Bank & Trust 1.94% UB UMB Bank National Association 1.42% SB Stifel Bank 1.31% CB Commerce Bank 1.22% EB Enterprise Bank & Trust 1.10%
Loans, year over yearMO banks over $10B · 30 June 2026 · no better direction, largest first
median +9.2% SB Stifel Bank +32.2% CB Commerce Bank +17.9% UB UMB Bank National Association +11.8% SB Stifel Bank & Trust +6.6% EB Enterprise Bank & Trust +4.2% CT Central Trust Bank +3.3%

SBA 7(a), FY2008 to FY2026

Enterprise Bank & Trust is the 4th largest 7(a) lender into California of 512, with $2.82B across 2,975 loans, 4.3% of everything approved in the state (Wells Fargo Bank National Association leads with $5.56B). 168 of its 413 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in California, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Los Angeles, CA$949M4th of 3084.6%-3.8 pts
San Diego, CA$516M3rd of 2389.5%-6.7 pts
Orange, CA$282M5th of 2563.8%-1.9 pts
Maricopa, AZ$247M7th of 3033.3%-3.5 pts
Dallas, TX$234M4th of 3144.2%-2.6 pts
Riverside, CA$211M3rd of 2196.0%-4.6 pts
San Bernardino, CA$181M3rd of 2135.1%-5.0 pts
Clark, NV$180M4th of 2296.4%-2.0 pts
Sacramento, CA$141M2nd of 1706.3%-5.8 pts
King, WA$131M10th of 1932.8%-3.4 pts
Harris, TX$111M19th of 3141.4%-0.4 pts
San Joaquin, CA$86M2nd of 1308.9%-9.2 pts
Tarrant, TX$84M11th of 2812.2%-1.0 pts
400 smaller markets not shown.
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Accommodation & food services766$975M18.1%1.27%11th of 2,596
Retail trade768$844M15.6%1.39%16th of 2,589
Real estate & leasing500$505M9.4%4.11%2nd of 1,452
Other services550$477M8.8%1.36%10th of 2,248
Manufacturing421$464M8.6%1.17%14th of 2,246
7(a) lenders into California, share of approvals since FY2008512 lenders on record; the ten largest and Enterprise Bank & Trust
WF Wells Fargo Bank National Associa… 8.5% $5.56B · 15,065 loans UB U.S. Bank, National Association 7.3% $4.78B · 14,424 loans LO Live Oak Banking Company 4.5% $2.95B · 2,312 loans EB Enterprise Bank & Trust 4.3% $2.82B · 2,975 loans Bo Bank of Hope 3.9% $2.57B · 6,200 loans CB Columbia Bank 3.6% $2.33B · 3,734 loans JC JPMorgan Chase Bank, National Ass… 2.8% $1.86B · 9,370 loans OB Open Bank 2.5% $1.65B · 1,421 loans HS Harvest Small Business Finance, L… 2.4% $1.59B · 1,278 loans CB Celtic Bank Corporation 2.4% $1.57B · 2,551 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; owner-occupied excluded; bold marks a screen met
Enterprise Bank & TrustRankCohort median
Total CRE against capital, the 300% screen207%5th of 6130%
Construction against capital, the 100% screen36%3rd of 641%
Construction and land development, share of loans5.6%2nd of 66.8%
Non-owner-occupied nonfarm nonresidential, share of loans22.9%6th of 612.5%
Total CRE, the guidance definition, share of loans31.7%5th of 622.5%
CRE growth over 36 months, the third prong+20.5%5th of 6+4.1%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
UMB Bank National Association$71.90B1.4%51.4%0.34%0.17%1.1%68.4%10.9%
Commerce Bank$35.02B1.2%60.0%0.17%0.24%0.9%74.1%11.0%
Central Trust Bank$20.31B2.0%47.8%0.49%0.10%1.3%71.3%9.0%
Stifel Bank & Trust$19.62B1.9%26.9%1.09%0.41%0.6%86.9%6.8%
Enterprise Bank & Trust$17.36B1.1%61.0%0.98%0.30%1.2%80.8%11.8%
Stifel Bank$14.62B1.3%29.1%0.06%0.00%0.4%72.9%6.2%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
Enterprise Bank & TrustCohort median
20212026Change20212026Change
Loans$7.23B$11.89B+64%$9.19B$13.56B+48%
Deposits$8.75B$14.73B+68%$11.55B$16.97B+47%
NPA / loans0.60%0.98%+0.39 pts0.19%0.42%+0.23 pts
Efficiency53.1%61.0%+7.9 pts54.6%49.6%-5.0 pts
ROA1.43%1.10%-0.33 pts1.46%1.36%-0.09 pts

This read was prepared for Enterprise Bank & Trust's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on Enterprise Bank & Trust is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort MO banks over $10B
Institution www.enterprisebank.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
← Back to the catalogue