Enterprise Bank

Headquarters

7125 Gulf Freeway
Houston, TX 77087
See all branch locations →

Notable Rates APY Vs.Others
Savings N.A. 1.05% →
1-Year CD N.A. 0.95% →
2-Year CD N.A. 1.05% →
5-Year CD N.A. 2.25% →
30-Year Mortgage N.A. 2.80% →
15-Year Mortgage N.A. 2.37% →
HELOC N.A. 2.79% →

2020 Overview

General Bank Information

Enterprise Bank is an FDIC insured institution located in Houston, TX. It was founded in 1905 and has approximately $0.57 billion in assets.

FDIC Insured Yes
FDIC Certificate # 3326
Date Established 1905
Assets $ 569.08 million
Loans $ 402.46 million
Deposits $ 488.65 million
Capital $ 79.48 million
 

For a more detailed analysis of Enterprise Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 19, 2020

Your Current Location: Virginia, VA 20146


Loan Rates - September 19, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Enterprise Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:




Featured - Virginia 30 Year Fixed Mortgage Rates 2020

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
3.872% 3.750% 1.00 $3,750 $1,158 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
2.815% 2.750% 0.88 $2,118 $1,021 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loans
Third Federal Savings and Loans
See Table
2.990 %
$0 Learn More
More Info

Note to Enterprise Bank
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Branches

Enterprise Bank branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Enterprise Bank Locations


Financial Details

Enterprise Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Enterprise Bank. The data is provided by the FDIC. All banks listed on BestCashCow.com are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Enterprise Bank U.S. Bank Average
4.51% 6.94%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2020, Enterprise Bank had $2,596,000 in non-current loans and $1,220,000 in owned real estate. To cover these potential losses it had $79,482,000 in equity and $5,119,000 in loans loss reserves. That gives it a Texas Ratio of 4.51%.

Return on Equity
Enterprise Bank U.S. Bank Average
6.88% 7.80%

Enterprise Bank has a Return on Equity of 6.88% versus the BestCashCow average of 7.80%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Capitalization
Enterprise Bank U.S. Bank Average
13.97% 12.68%

Enterprise Bank has a Capitalization of 13.97% versus the BestCashCow average of 12.68. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Enterprise Bank Balance Sheet Analysis

As of September 30, 2014, Enterprise Bank had assets of $570,073,000, loans of $402,457,000, and deposits of $488,653,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2020
ASSETS
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 402.46 million
Loan loss allowance $ 5.12 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 1.22 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
LIABILITIES
Total deposits $ 488.65 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 569.08 million

Summary Income Statement

March 31, 2020
INCOME AND EXPENSES
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Enterprise Bank’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks in Texas, Enterprise Bank has a significantly higher percent of Small Business Loans, Commercial Real Estate on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

%
Loans
%
Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 9.02
Multifamily
Mortgages
2.97
Credit Card Loans 0.00
Consumer Auto Loans 0.54
Small Business Loans 14.90
Construction and Development Loans 8.72
Commercial Real Estate 48.23
Commercial and Industrial Loans 17.43
Farm Loans 3.00

Frequently Asked Questions About Enterprise Bank

Branches and Savings

Is Enterprise Bank FDIC insured?

Yes. It is covered under FDIC Certificate #3326.

Why does Enterprise Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Enterprise Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Enterprise Bank a commercial bank?

Yes

Where are Enterprise Bank locations?

See branch locations nearby.

Is Enterprise Bank open on Saturdays?

Is Enterprise Bank open on Sundays?

What time does Enterprise Bank open?

What time does Enterprise Bank close?

Are Enterprise Bank ATMs Open 24/7?

Do Enterprise Bank ATMs accept cash deposits?

Can Enterprise Bank customers use other ATMs?

Do Enterprise Bank branches have notaries?

Will Enterprise Bank notarize my document?

What address for Enterprise Bank should I put for incoming ACH transfers?

Will the Enterprise Bank branch print checks?

Do Enterprise Bank checks expire?

Does Enterprise Bank require US citizenship to open account?

Can Enterprise Bank close my account?

Does Enterprise Bank Report to credit bureaus?

Does Enterprise Bank Use Equifax?

What is Enterprise Bank's ACH Routing Number?

What is Enterprise Bank's SWIFT code?

Products

Does Enterprise Bank offer mortgages?

Compare mortgage rates here.

Does Enterprise Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Enterprise Bank offer personal loans?

Compare personal loan rates here.

Does Enterprise Bank offer student loans?

Will Enterprise Bank cash a check?

Will Enterprise Bank redeem a savings bond?

Does Enterprise Bank cash savings bonds?

Will Enterprise Bank cash money orders?

Can Enterprise Bank issue a money order?

Does Enterprise Bank do currency exchange?

Background on The Bank

Who owns Enterprise Bank?

How long has Enterprise Bank been around?

Can Enterprise Bank transfer to other banks?

Does Enterprise Bank have quick pay?

Does Enterprise Bank accept rolled coins?

Will Enterprise Bank accept loose change?

Where is Enterprise Bank headquarters?

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