Enterprise Bank & Trust

150 North Meramec
Clayton, MO 63105

 

2018 Overview

General Bank Information

FDIC Insured Yes
FDIC Certificate # 27237
Date Established 1988
Assets $5.49 billion
Loans $4.23 billion
Deposits $4.27 billion
Capital $0.64 billion

Enterprise Bank & Trust is an FDIC insured institution located in Clayton, MO. It was founded in 1988 and has approximately $5.49 billion in assets. Customers can open an account at one of its 35 branches.

For a more detailed analysis of Enterprise Bank & Trust'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 & Trust’s loan portfolio are Commercial and Industrial Loans, Commercial Real Estate, and 1-4 Family Residential Loans.

Compared to other banks in Missouri, Enterprise Bank & Trust has a significantly higher percent of Commercial and Industrial 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 7.76
Multifamily
Mortgages
2.37
Credit Card Loans 0.00
Consumer Auto Loans 0.01
Small Business Loans 4.52
Construction and Development Loans 7.21
Commercial Real Estate 29.57
Commercial and Industrial Loans 47.66
Farm Loans 0.55

Deposit Rates - December 13, 2018

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates APY MIN MAX
Money Market
0.10% $2,500 $9,999 Learn MoreShow Less
Money Market
0.20% $10,000 $99,999 Learn MoreShow Less
CD Rates APY MIN MAX
0.50% $1,000 $249,999 Learn MoreShow Less
0.55% $1,000 $249,999 Learn MoreShow Less
0.90% $1,000 $249,999 Learn MoreShow Less
1.00% $1,000 $249,999 Learn MoreShow Less
Special: 18 Mo CD
2.55% $10,000 - Learn MoreShow Less
Special: 22 Mo CD
3.05% $1,000 - Learn MoreShow Less
1.10% $1,000 $249,999 Learn MoreShow Less
1.10% $1,000 $249,999 Learn MoreShow Less
1.15% $1,000 $249,999 Learn MoreShow Less
1.35% $1,000 $249,999 Learn MoreShow Less

Fixed IRA Rates APY MIN MAX
0.90% $1,000 $249,999 Learn MoreShow Less
Special: 18 Mo FIRA
2.55% $10,000 - Learn MoreShow Less
Special: 22 Mo FIRA
3.05% $1,000 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.10% $1 $2,499 Learn MoreShow Less
Int Ckg
0.20% $2,500 - Learn MoreShow Less

Loan Rates - December 13, 2018

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Enterprise Bank & Trust

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
Learn More
Rocket Mortgage
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More
HSBC Bank USA N.A.
NMLS ID: 399799
4.796% 4.750% 0.00 $1,451 $1,305 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2018

Lender Rate (%) Monthly Payment Learn More

Note to Enterprise Bank & Trust
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Enterprise Bank & Trust 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 & Trust Locations

Financial Details

Enterprise Bank & Trust Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Enterprise Bank & Trust. 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 & Trust U.S. Bank Average
2.86% 7.92%

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 June 30, 2018, Enterprise Bank & Trust had $19,271,000 in non-current loans and $454,000 in owned real estate. To cover these potential losses it had $644,776,000 in equity and $44,370,000 in loans loss reserves. That gives it a Texas Ratio of 2.86%.

Return on Equity
Enterprise Bank & Trust U.S. Bank Average
13.95% 9.77%

Enterprise Bank & Trust has a Return on Equity of 13.95% versus the BestCashCow average of 9.77%. 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 & Trust U.S. Bank Average
11.74% 12.31%

Enterprise Bank & Trust has a Capitalization of 11.74% versus the BestCashCow average of 12.31. 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 & Trust Balance Sheet Analysis

As of June 30, 2018, Enterprise Bank & Trust had assets of $5,490,198,000, loans of $4,232,779,000, and deposits of $4,266,722,000. 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

June 30, 2018
ASSETS
Cash & Balances due from depository institutions $0.17 billion
Interest-bearing balances $0.08 billion
Total securities $0.72 billion
Federal funds sold and reverse repurchase $0.00 billion
Net loans and leases $4.23 billion
Loan loss allowance $0.04 billion
Trading account assets $0.00 billion
Bank premises and fixed assets $0.00 billion
Other real estate owned $0.00 billion
Goodwill and other intangibles $0.13 billion
All other assets $0.20 billion
     Total Assets $4.85 billion
LIABILITIES
Total deposits $4.27 billion
      Interest-bearing deposits $3.20 billion
      Deposits held in domestic offices $4.27 billion
      % insured (estimated) 59.07%
Federal funds purchased and repurchase agreements $0.52 billion
Trading liabilities $0.00 billion
Other borrowed funds $0.01 billion
Subordinated debt $0.00 billion
All other liabilities $0.05 billion
      Total Liabilities $4.85 billion
      Shareholders’ Equity $0.64 billion

Summary Income Statement

June 30, 2018
INCOME AND EXPENSES
Total Interest Income $0.11 billion
Total Interest Expense $0.02 billion
Net interest income $0.10 billion
Provision for loan and lease losses $0.00 billion
Total non interest income $0.02 billion
Total non interest expense $0.06 billion
Pre-tax Net Operating Income $0.05 billion

Frequently Asked Questions About Enterprise Bank & Trust

Branches and Savings

Is Enterprise Bank & Trust FDIC insured?

Yes. It is covered under FDIC Certificate #27237.

Why does Enterprise Bank & Trust 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 & Trust CD rates not competitive?

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

Is Enterprise Bank & Trust a commercial bank?

Yes

Where are Enterprise Bank & Trust locations?

See branch locations nearby.

Is Enterprise Bank & Trust open on Saturdays?

Is Enterprise Bank & Trust open on Sundays?

What time does Enterprise Bank & Trust open?

What time does Enterprise Bank & Trust close?

Are Enterprise Bank & Trust ATMs Open 24/7?

Do Enterprise Bank & Trust ATMs accept cash deposits?

Can Enterprise Bank & Trust customers use other ATMs?

Do Enterprise Bank & Trust branches have notaries?

Will Enterprise Bank & Trust notarize my document?

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

Will the Enterprise Bank & Trust branch print checks?

Do Enterprise Bank & Trust checks expire?

Does Enterprise Bank & Trust require US citizenship to open account?

Can Enterprise Bank & Trust close my account?

Does Enterprise Bank & Trust Report to credit bureaus?

Does Enterprise Bank & Trust Use Equifax?

What is Enterprise Bank & Trust's ACH Routing Number?

What is Enterprise Bank & Trust's SWIFT code?

Products

Does Enterprise Bank & Trust offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Enterprise Bank & Trust offer personal loans?

Compare personal loan rates here.

Does Enterprise Bank & Trust offer student loans?

Will Enterprise Bank & Trust cash a check?

Will Enterprise Bank & Trust redeem a savings bond?

Does Enterprise Bank & Trust cash savings bonds?

Will Enterprise Bank & Trust cash money orders?

Can Enterprise Bank & Trust issue a money order?

Does Enterprise Bank & Trust do currency exchange?

Background on The Bank

Who owns Enterprise Bank & Trust?

How long has Enterprise Bank & Trust been around?

Can Enterprise Bank & Trust transfer to other banks?

Does Enterprise Bank & Trust have quick pay?

Does Enterprise Bank & Trust accept rolled coins?

Will Enterprise Bank & Trust accept loose change?

Where is Enterprise Bank & Trust headquarters?

Customer Reviews for Enterprise Bank & Trust


  • Fredbird

    August 30, 2017 |

    Savings Rates

    Excellent bank with a friendly helpful staff

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*All images, logos and public notes on this page appear courtesy of Enterprise Bank & Trust and are not subject to approval of BestCashCow. BestCashCow expressly disclaims all responsibility for this content.