FDIC Cert #27237 · Clayton, Missouri · Est. 1988

Enterprise Bank & Trust - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$17.3B
Total assets
B
Health grade · Good
1.29%
Return on assets
11.9%
Tier 1 capital

Data updated July 2026

The verdict

Enterprise Bank & Trust earns a PlainBankData health grade of B (76/100), with well-capitalized at 11.94% Tier 1, profitable at 1.29% ROA, efficient (57% cost ratio).

#114
largest of 4,313 FDIC banks by assets
97th
percentile by asset size, nationally
11.94%
Tier 1 ratio - above the 10% well-capitalized line
63rd
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 27237 · MO B · 76/100

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

  • GRADE-B B (76/100)
  • MID-PACK #2391/4307
  • PHOTO-FINISH Independent Bank · MI
  • TIER1-WELL 11.9% Tier 1
  • TEXAS-CLEAN 5.2% Texas
  • ROA-STRONG 1.29% ROA
  • SIZE-LARGE $10–100B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Missouri: Independent Bank, MI (±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 & Trust

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

Morgan Stanley Bank,… · UT ·…100/100Enterprise Bank & Tr… · MO ·…76/100First Federal Saving… · IN ·…76/100Genesee Regional Bank · NY ·…76/100Golden Belt Bank, FSA · KS ·…76/100Independent Bank · MI · near76/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Enterprise Bank & Trust · July 2026

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

Enterprise Bank & Trust (FDIC Cert #27237) carries a PlainBankData health grade of B at 76/100, 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 #2,391 of 4,307. Tier 1 capital prints at 11.94%, clearing the 10% well-capitalized line. The Texas Ratio is 5.20%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.29%. Balance-sheet scale is $17.3B, 114th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Independent Bank (MI), 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 & Trust

16 FAILURE resolutions in Missouri since 2000, heavy vs the state corpus

Enterprise Bank & Trust sits in one of the heavier post-2000 FAILURE states (16 resolutions; latest year 2012). The list below is state history from the Failed Bank List, not a claim about Enterprise Bank & Trust's current Call Report.

  • TRUMAN BANK ST. LOUIS, MO 2012 → SIMMONS FIRST NATIONAL BANK
  • GLASGOW SAVINGS BANK GLASGOW, MO 2012 → REGIONAL MISSOURI BANK
  • COMMUNITY BANK OF THE OZARKS SUNRISE, MO 2012 → BANK OF SULLIVAN

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

How Enterprise Bank & Trust's 76/100 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 avg77/10076/100
Enterprise Bank & Trust's composite health score
Tier 1 Capital Ratio (11.94%) 28/40
Return on Assets (ROA) (1.29%) 20/25
Texas Ratio (5.20%) 16/20
Efficiency Ratio (56.65%) 12/15

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

Balance sheet at a glance

Total Assets

$17.3B

Total balance-sheet footings

Total Deposits

$14.8B

Customer-funded liabilities

Net Loans

$11.7B

Outstanding loan book

Net Income

$208M

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.) 10.54% 11.94% 13.34%
Basel III capital ratios - Enterprise Bank & Trust

Where Enterprise Bank & Trust ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Enterprise Bank & Trust's score of 76/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

76 44th percentile higher than 44% 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%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Enterprise Bank & Trust 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 & Trust'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 & Trust's $17.3B falls in the highlighted band.

Capital & credit buffers at Enterprise Bank & Trust

Tier 1 capital ratio
Well-capitalized 10%

11.94% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.94%
Texas Ratio
5.20%
Equity Capital
$2.0B

What these ratios mean →

Earnings posture at Enterprise Bank & Trust

Return on Assets (ROA)
63rd percentile nationally
1.29%
Return on Equity (ROE)
10.88%
Efficiency Ratio
56.65%

What these mean →

Income & expense at Enterprise Bank & Trust

$888M
Interest Income
$107M
Non-Interest Income
$426M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Enterprise Bank & Trust reports a Texas Ratio of 5.20% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

5.20% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

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

Top banks in Missouri by total assets

Largest banks headquartered in Missouri
  1. 1
    UMB Bank $72.8B

    Kansas City, MO · Grade A

  2. 2
    Commerce Bank $32.7B

    Kansas City, MO · Grade A

  3. 3
    The Central Trust Bank $20.8B

    Jefferson City, MO · Grade A

  4. 4
    Stifel Bank and Trust $19.4B

    Saint Louis, MO · Grade A

  5. 5
    Enterprise Bank & Trust $17.3B

    Clayton, MO · Grade B

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

National size peers: banks closest to Enterprise Bank & Trust by assets

Enterprise Bank & Trust is closely matched in total assets by Third Federal Savings and Loan Associ…, Community Bank, ServisFirst Bank, Northwest Bank across 6 states -- its real national peer set, not just banks sharing a home state. Within that asset-matched cohort, the average ROA is 1.05%, versus Enterprise Bank & Trust's own 1.29%; the average efficiency ratio is 55.81%, versus 56.65% here; and average Tier 1 capital sits at 13.22%, versus 11.94% at Enterprise Bank & Trust. At this asset scale, banks are best benchmarked against one another by balance-sheet composition and capital discipline, not by shared geography.

At $17.3B in assets, Enterprise Bank & Trust has crossed the $10 billion threshold at which the CFPB takes over direct supervision for consumer-protection compliance under Dodd-Frank Act Section 1025, rather than leaving that oversight solely to the bank's primary prudential regulator.

Closest banks to Enterprise Bank & Trust nationally by total assets
  1. 1
    Third Federal Savings and Loan Associ… $17.5B

    Cleveland, OH · Grade A

  2. 2
    Community Bank $17.0B

    Canton, NY · Grade A

  3. 3
    ServisFirst Bank $17.7B

    Birmingham, AL · Grade A

  4. 4
    Northwest Bank $16.8B

    Warren, PA · Grade B

  5. 5
    Busey Bank $18.1B

    Champaign, IL · Grade A

  6. 6
    Banner Bank $16.3B

    Walla Walla, WA · Grade A

Six FDIC-insured banks nearest in total assets nationwide, regardless of state.

Head-to-head against the six closest national size peers, same FDIC Call Report vintage.
BankStateAssetsROAEfficiencyTier 1
Enterprise Bank & Trust (this bank) MO $17.3B 1.29% 56.65% 11.94%
Third Federal Savings and Loan Association of Cleveland OH $17.5B 0.51% 63.06% 15.82%
Community Bank, National Association NY $17.0B 1.11% 58.83% 12.02%
ServisFirst Bank AL $17.7B 1.58% 31.70% 11.83%
Northwest Bank PA $16.8B 0.92% 63.71% 12.75%
Busey Bank IL $18.1B 0.92% 57.43% 13.97%
Banner Bank WA $16.3B 1.24% 60.12% 12.89%

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($17.3B here), outside Missouri so the neighborhood is not state containment.

Third Federal Savings and Loan Associ… $17.5B · OH Community Bank $17.0B · NY ServisFirst Bank $17.7B · AL Northwest Bank $16.8B · PA

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Enterprise Bank & Trust (FDIC Cert #27237) - 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 & Trust Call Report profile · FDIC Failed Bank List · Missouri FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Missouri

All Missouri banks →
BankAssetsGradeROA
UMB Bank, National AssociationKansas City $72.8B A 1.01%
Commerce BankKansas City $32.7B A 1.74%
The Central Trust BankJefferson City $20.8B A 1.82%
Stifel Bank and TrustSaint Louis $19.4B A 1.82%
Stifel BankSaint Louis $11.7B A 1.49%
First BankSt. Louis $6.7B B 0.51%
Great Southern BankReeds Spring $5.6B A 1.31%
Southern BankPoplar Bluff $5.0B A 1.36%