FDIC Cert #11539 · Ehrhardt, South Carolina · Est. 1920

Enterprise Bank of South Carolina - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$491M
Total assets
B
Health grade · Good
2.30%
Return on assets
12.7%
Tier 1 capital

Data updated July 2026

The verdict

Enterprise Bank of South Carolina earns a PlainBankData health grade of B (68/100), with well-capitalized at 12.73% Tier 1, profitable at 2.30% ROA, 71% efficiency ratio.

#1,809
largest of 4,313 FDIC banks by assets
58th
percentile by asset size, nationally
12.73%
Tier 1 ratio - above the 10% well-capitalized line
95th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 11539 · SC B · 68/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (68/100)
  • MID-PACK #3167/4307
  • PHOTO-FINISH Citizens State Bank… · TX
  • TIER1-WELL 12.7% Tier 1
  • TEXAS-HEALTHY 33.3% Texas
  • ROA-STRONG 2.30% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside South Carolina: Citizens State Bank of Luling, TX (±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 of South Carolina

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

Morgan Stanley Bank,… · UT ·…100/100Citizens Bank & Trus… · MS ·…68/100Citizens State Bank… · TX · …68/100Concordia Bank & Tru… · LA ·…68/100Enterprise Bank of S… · SC ·…68/100Northwestern Bank, N… · MN ·…68/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Enterprise Bank of South Carolina · July 2026

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

Enterprise Bank of South Carolina (FDIC Cert #11539) carries a PlainBankData health grade of B at 68/100, 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 #3,167 of 4,307. Tier 1 capital prints at 12.73%, clearing the 10% well-capitalized line. The Texas Ratio is 33.25%, inside the sub-50% band analysts treat as healthy. Return on assets is 2.30%. Balance-sheet scale is $491M, 1,809th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Citizens State Bank of Luling (TX), 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 of South Carolina

10 FAILURE resolutions in South Carolina since 2000, heavy vs the state corpus

Enterprise Bank of South Carolina sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Enterprise Bank of South Carolina's current Call Report.

  • ALLENDALE COUNTY BANK FAIRFAX, SC 2014 → PALMETTO STATE BANK
  • CAROLINA FEDERAL SAVINGS BANK CHARLESTON, SC 2012 → BANK OF NORTH CAROLINA
  • PLANTATION FEDERAL BANK PAWLEYS ISLAND, SC 2012 → FIRST FEDERAL BANK

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

How Enterprise Bank of South Carolina's 68/100 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 avg77/10068/100
Enterprise Bank of South Carolina's composite health score
Tier 1 Capital Ratio (12.73%) 35/40
Return on Assets (ROA) (2.30%) 25/25
Texas Ratio (33.25%) 4/20
Efficiency Ratio (70.92%) 4/15

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

Balance sheet at a glance

Total Assets

$491M

Total balance-sheet footings

Total Deposits

$460M

Customer-funded liabilities

Net Loans

$277M

Outstanding loan book

Net Income

$11M

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.) 11.33% 12.73% 14.13%
Basel III capital ratios - Enterprise Bank of South Carolina

Where Enterprise Bank of South Carolina ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Enterprise Bank of South Carolina's score of 68/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

68 26th percentile higher than 26% 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%). Below this entry. 60–70: 777 FDIC-insured banks (18%). This entry sits in this band. 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 of South Carolina 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 of South Carolina'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 of South Carolina's $491M falls in the highlighted band.

Capital & credit buffers at Enterprise Bank of South Carolina

Tier 1 capital ratio
Well-capitalized 10%

12.73% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.73%
Texas Ratio
33.25%
Equity Capital
$30M

What these ratios mean →

Earnings posture at Enterprise Bank of South Carolina

Return on Assets (ROA)
95th percentile nationally
2.30%
Return on Equity (ROE)
55.88%
Efficiency Ratio
70.92%

What these mean →

Income & expense at Enterprise Bank of South Carolina

$23M
Interest Income
$2M
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 of South Carolina reports a Texas Ratio of 33.25% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

33.25% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Enterprise Bank of South Carolina on FDIC BankFind →

Top banks in South Carolina by total assets

Largest banks headquartered in South Carolina
  1. 1
    United Community Bank $27.9B

    Greenville, SC · Grade A

  2. 2
    Southern First Bank $4.4B

    Greenville, SC · Grade B

  3. 3
    Coastal States Bank $2.3B

    Hilton Head Island, SC · Grade A

  4. 4
    Anderson Brothers Bank $2.2B

    Mullins, SC · Grade A

  5. 5
    First Community Bank $2.1B

    Lexington, SC · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($491M here), outside South Carolina so the neighborhood is not state containment.

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

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Enterprise Bank of South Carolina (FDIC Cert #11539) - 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 of South Carolina Call Report profile · FDIC Failed Bank List · South Carolina FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in South Carolina

All South Carolina banks →
BankAssetsGradeROA
United Community BankGreenville $27.9B A 1.19%
Southern First BankGreenville $4.4B B 0.75%
Coastal States BankHilton Head Island $2.3B A 1.17%
Anderson Brothers BankMullins $2.2B A 1.38%
First Community BankLexington $2.1B A 1.07%
The Conway National BankConway $1.9B A 1.23%
South Atlantic BankMyrtle Beach $1.9B B 0.93%
Bank of Travelers RestTravelers Rest $1.6B A 1.44%