Enterprise Bank of South Carolina

13497 Broxton Bridge Road
Ehrhardt, SC 29081

Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 11539
Date Established 1920
Assets $0.32 billion
Loans $0.17 billion
Deposits $0.30 billion
Capital $0.02 billion

Enterprise Bank of South Carolina is an FDIC insured institution located in Ehrhardt, SC. It was founded in 1920 and has approximately $0.32 billion in assets. Customers can open an account at one of its 12 branches.

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

Bank Loan Profile?

The top three loan types in Enterprise Bank of South Carolina’s loan portfolio are 1-4 Family Residential Loans, Commercial Real Estate, and Small Business Loans.

Compared to other banks in South Carolina, Enterprise Bank of South Carolina has a significantly higher percent of Farm Loans 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 34.81
Multifamily
Mortgages
0.00
Credit Card Loans 0.00
Consumer Auto Loans 0.59
Small Business Loans 12.64
Construction and Development Loans 8.42
Commercial Real Estate 26.45
Commercial and Industrial Loans 9.45
Farm Loans 3.20

Deposit Rates

Your Current Location: Virginia, VA 20146

CD Rates APY MIN MAX
3 Mo CD 10K
0.05% $500 - Learn MoreShow Less
Savings Rates APY MIN MAX
Fixed IRA Rates APY MIN MAX
Fixed IRA 0K
0.55% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA 0K
0.40% $500 - Learn MoreShow Less
MM Rates APY MIN MAX
MM 10K
0.05% $1,000 $14,999 Learn MoreShow Less
MM 25K
0.10% $15,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg 0K
0.05% $500 - Learn MoreShow Less

Loan Rates

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Enterprise Bank of South Carolina

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 2018

Lender APR Rate (%) Points Fees Monthly
Payment
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AmeriSave Mortgage Corporation
NMLS ID: 1168
4.711% 4.625% 0.50 $2,510 $1,286 Learn More
AimLoan.com NMLS#2890
NMLS ID: 2890
License#: MC-3098
4.409% 4.375% 0.00 $1,104 $1,249 Learn More
PenFed Credit Union
NMLS ID: 401822
4.585% 4.500% 0.00 $2,500 $1,267 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.125% 5.125% 0.00 $0 $1,362 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More
Flagstar Bank 5.490% $283.58 Learn More
Third Federal Savings & Loan Assoc. of Cleveland 3.990% $238.42 Learn More

Note to Enterprise Bank of South Carolina
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Branches

Enterprise Bank of South Carolina 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 of South Carolina Locations

Financial Details

Enterprise Bank of South Carolina Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Enterprise Bank of South Carolina. 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 of South Carolina U.S. Bank Average
39.83% 8.32%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its the bank’s 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 September 30, 2017, Enterprise Bank of South Carolina had $730,000 in non-current loans and $8,293,000 in owned real estate. To cover these potential losses it had $16,710,000 in equity and $5,942,000 in loans loss reserves. That gives it a Texas Ratio of 39.83%.

Return on Equity
Enterprise Bank of South Carolina U.S. Bank Average
32.5% 8.84%

Enterprise Bank of South Carolina has a Return on Equity of 32.5% versus the BestCashCow average of 8.84%. 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 of South Carolina U.S. Bank Average
5.27% 12.21%

Enterprise Bank of South Carolina has a Capitalization of 5.27% versus the BestCashCow average of 12.21. 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 of South Carolina Balance Sheet Analysis

As of December 31, 2017, Enterprise Bank of South Carolina had assets of $316,900,000, loans of $172,333,000, and deposits of $299,548,000. 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

ASSETS
Cash & Balances due from depository institutions $0.03 billion
Interest-bearing balances $0.02 billion
Total securities $0.10 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $0.17 billion
Loan loss allowance $0.01 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.01 billion
Goodwill and other intangibles $0.00 billion
All other assets $0.00 billion
     Total Assets $0.30 billion
LIABILITIES
Total deposits $0.30 billion
      Interest-bearing deposits $0.24 billion
      Deposits held in domestic offices $0.30 billion
      % insured (estimated) 81.69%
Federal funds purchased and repurchase agreements $0.00 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.00 billion
Subordinated debt $0.00 billion
All other liabilities $0.00 billion
      Total Liabilities $0.30 billion
      Shareholders’ Equity $0.02 billion

Summary Income Statement

INCOME AND EXPENSES
Total Interest Income $0.01 billion
Total Interest Expense $0.00 billion
Net interest income $0.01 billion
Provision for loan and lease losses $-0.00 billion
Total non interest income $0.00 billion
Total non interest expense $0.01 billion
Pre-tax Net Operating Income $0.01 billion

Frequently Asked Questions About Enterprise Bank Of South Carolina

Branches and Savings

Is Enterprise Bank Of South Carolina FDIC insured?

Yes. It is covered under FDIC Certificate #11539.

Why does Enterprise Bank Of South Carolina 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 Of South Carolina CD rates not competitive?

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

Is Enterprise Bank Of South Carolina a commercial bank?

Yes

Where are Enterprise Bank Of South Carolina locations?

See branch locations nearby.

Is Enterprise Bank Of South Carolina open on Saturdays?

Is Enterprise Bank Of South Carolina open on Sundays?

What time does Enterprise Bank Of South Carolina open?

What time does Enterprise Bank Of South Carolina close?

Are Enterprise Bank Of South Carolina ATMs Open 24/7?

Do Enterprise Bank Of South Carolina ATMs accept cash deposits?

Can Enterprise Bank Of South Carolina customers use other ATMs?

Do Enterprise Bank Of South Carolina branches have notaries?

Will Enterprise Bank Of South Carolina notarize my document?

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

Will the Enterprise Bank Of South Carolina branch print checks?

Do Enterprise Bank Of South Carolina checks expire?

Does Enterprise Bank Of South Carolina require US citizenship to open account?

Can Enterprise Bank Of South Carolina close my account?

Does Enterprise Bank Of South Carolina Report to credit bureaus?

Does Enterprise Bank Of South Carolina Use Equifax?

What is Enterprise Bank Of South Carolina's ACH Routing Number?

What is Enterprise Bank Of South Carolina's SWIFT code?

Products

Does Enterprise Bank Of South Carolina offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Enterprise Bank Of South Carolina offer personal loans?

Compare personal loan rates here.

Does Enterprise Bank Of South Carolina offer student loans?

Will Enterprise Bank Of South Carolina cash a check?

Will Enterprise Bank Of South Carolina redeem a savings bond?

Does Enterprise Bank Of South Carolina cash savings bonds?

Will Enterprise Bank Of South Carolina cash money orders?

Can Enterprise Bank Of South Carolina issue a money order?

Does Enterprise Bank Of South Carolina do currency exchange?

Background on The Bank

Who owns Enterprise Bank Of South Carolina?

How long has Enterprise Bank Of South Carolina been around?

Can Enterprise Bank Of South Carolina transfer to other banks?

Does Enterprise Bank Of South Carolina have quick pay?

Does Enterprise Bank Of South Carolina accept rolled coins?

Will Enterprise Bank Of South Carolina accept loose change?

Where is Enterprise Bank Of South Carolina headquarters?

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