FDIC Cert #34786 · Allison Park, Pennsylvania · Est. 1998

Enterprise Bank - FDIC Bank Health Profile

A community-scale look at Enterprise Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$492M
Total assets
C
Health grade · Fair
0.94%
Return on assets
11.5%
Tier 1 capital

Data updated July 2026

The verdict

Enterprise Bank earns a PlainBankData health grade of C (50/100), with well-capitalized at 11.53% Tier 1, 0.94% ROA, 71% efficiency ratio.

#1,806
largest of 4,313 FDIC banks by assets
58th
percentile by asset size, nationally
11.53%
Tier 1 ratio - above the 10% well-capitalized line
38th
percentile for profitability (ROA), nationally

This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.

FDIC Call Report plate

Cert 34786 · PA C · 50/100

GRADE-C · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-C C (50/100)
  • BOTTOM-DECILE #4131/4307
  • PHOTO-FINISH Seattle Bank · WA
  • TIER1-WELL 11.5% Tier 1
  • TEXAS-HEALTHY 43.8% Texas
  • ROA-PAR 0.94% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Pennsylvania: Seattle Bank, WA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Enterprise Bank

Lowest and highest poles plus nearest scored peers outside Pennsylvania, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Enterprise Bank · PA · this …50/100First Security Bank… · OK · …50/100Patriot Bank, Nation… · CT ·…50/100Seattle Bank · WA · near50/100TrustTexas Bank, SSB · TX · …50/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Enterprise Bank · July 2026

Call Report read for Enterprise Bank in a high-failure state

Enterprise Bank (FDIC Cert #34786) carries a PlainBankData health grade of C at 50/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,131 of 4,307. Tier 1 capital prints at 11.53%, clearing the 10% well-capitalized line. The Texas Ratio is 43.83%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.94%. Balance-sheet scale is $492M, 1,806th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Seattle Bank (WA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Enterprise Bank

11 FAILURE resolutions in Pennsylvania since 2000, heavy vs the state corpus

Enterprise Bank sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2024). The list below is state history from the Failed Bank List, not a claim about Enterprise Bank's current Call Report.

  • REPUBLIC BANK PHILADELPHIA, PA 2024 → FULTON BANK, NATIONAL ASSOCIATION
  • FIRST CORNERSTONE BANK KING OF PRUSSIA, PA 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • VANTAGE POINT BANK HORSHAM, PA 2014 → FIRST CHOICE BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Pennsylvania banks.

How Enterprise Bank's 50/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10050/100
Enterprise Bank's composite health score
Tier 1 Capital Ratio (11.53%) 28/40
Return on Assets (ROA) (0.94%) 14/25
Texas Ratio (43.83%) 4/20
Efficiency Ratio (70.91%) 4/15

50 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$492M

Total balance-sheet footings

Total Deposits

$390M

Customer-funded liabilities

Net Loans

$337M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.13% 11.53% 12.93%
Basel III capital ratios - Enterprise Bank

Where Enterprise Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Enterprise Bank's score of 50/100 falls in the highlighted band.

Enterprise Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

50 4th percentile higher than 4% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). This entry sits in this band. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Enterprise Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Enterprise Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Enterprise Bank's $492M falls in the highlighted band.

Capital & credit buffers at Enterprise Bank

Tier 1 capital ratio
Well-capitalized 10%

11.53% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.53%
Texas Ratio
43.83%
Equity Capital
$41M

What these ratios mean →

Profitability metrics: Enterprise Bank

Return on Assets (ROA)
38th percentile nationally
0.94%
Return on Equity (ROE)
11.48%
Efficiency Ratio
70.91%

What these mean →

Income & expense at Enterprise Bank

$29M
Interest Income
$5M
Non-Interest Income
$14M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Enterprise Bank reports a Texas Ratio of 43.83% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

43.83% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Enterprise Bank on FDIC BankFind →

Top banks in Pennsylvania by total assets

Largest banks headquartered in Pennsylvania
  1. 1
    First National Bank of Pennsylvania $50.0B

    Greenville, PA · Grade A

  2. 2
    Fulton Bank $32.0B

    Lancaster, PA · Grade A

  3. 3
    BNY Mellon $31.3B

    Pittsburgh, PA · Grade B

  4. 4
    Customers Bank $24.9B

    Malvern, PA · Grade A

  5. 5
    TriState Capital Bank $23.3B

    Pittsburgh, PA · Grade A

Top 5 banks in Pennsylvania ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($492M here), outside Pennsylvania so the neighborhood is not state containment.

Midwest Heritage Bank, FSB $492M · IA Black Hills Community Bank $492M · SD State Bank of De Kalb $491M · TX Enterprise Bank of South Carolina $491M · SC

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Enterprise Bank (FDIC Cert #34786) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Enterprise Bank Call Report profile · FDIC Failed Bank List · Pennsylvania FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Pennsylvania

All Pennsylvania banks →
BankAssetsGradeROA
First National Bank of PennsylvaniaGreenville $50.0B A 1.29%
Fulton Bank, National AssociationLancaster $32.0B A 1.33%
BNY Mellon, National AssociationPittsburgh $31.3B B 0.94%
Customers BankMalvern $24.9B A 1.01%
TriState Capital BankPittsburgh $23.3B A 0.78%
Northwest BankWarren $16.8B B 0.92%
Dollar Bank, Federal Savings BankPittsburgh $12.5B B 0.53%
First Commonwealth BankIndiana $12.3B B 1.33%