Total Assets
$491M
Total balance-sheet footings
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.
- $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.
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.
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 Deposits
$460M
Customer-funded liabilities
Net Loans
$277M
Outstanding loan book
Net Income
$11M
Bottom-line earnings
Capital adequacy vs federal thresholds
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'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.
Safety metrics
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
Profitability metrics
Return on Assets (ROA)
95th percentile nationally
2.30%
Return on Equity (ROE)
55.88%
Efficiency Ratio
70.92%
What the numbers say about Enterprise Bank of South Carolina
Enterprise Bank of South Carolina is an FDIC-insured institution (Certificate #11539) headquartered in Ehrhardt, South Carolina, established in 1920. It holds $491M in total assets - 1,809th of 4,313 FDIC-insured banks, $460M in customer deposits, and $277M in net loans. On safety, its Tier 1 capital ratio of 12.73% is above the 10% well-capitalized threshold, and its Texas Ratio of 33.25% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (68/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within South Carolina, Enterprise Bank of South Carolina ranks 25th of 43 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$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.
Top banks in South Carolina by total assets
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.
Other banks in South Carolina
All South Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| 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% |
Frequently asked questions
What is Enterprise Bank of South Carolina's health grade?▼
Enterprise Bank of South Carolina receives a health grade of B (68/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Enterprise Bank of South Carolina?▼
Enterprise Bank of South Carolina holds $491M in total assets and $460M in deposits, ranking 1,809th of 4,313 FDIC-insured banks by asset size. It is headquartered in Ehrhardt, South Carolina.
Is my money safe at Enterprise Bank of South Carolina?▼
Yes, deposits at Enterprise Bank of South Carolina (Certificate #11539) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Enterprise Bank of South Carolina's Tier 1 Capital Ratio?▼
Enterprise Bank of South Carolina has a Tier 1 Capital Ratio of 12.73%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Enterprise Bank of South Carolina?▼
Enterprise Bank of South Carolina has a Texas Ratio of 33.25%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Enterprise Bank of South Carolina?▼
Enterprise Bank of South Carolina has an Efficiency Ratio of 70.92%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Enterprise Bank of South Carolina's profile as a depositor or analyst.
- Enterprise Bank of South Carolina's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Enterprise Bank of South Carolina against other South Carolina banks before moving funds. South Carolina banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.