Enterprise Bank & Trust
Headquarters
150 N Meramec Ave
Clayton, MO 63105
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ACH 81012952
2026 Overview
General Bank Information
Enterprise Bank & Trust is an FDIC insured institution located in Clayton, MO. It was founded in 1988 and has approximately $17.36 billion in assets. Customers can open an account at one of its 35 branches.
| FDIC Insured | Yes |
| FDIC Certificate | # 27237 |
| Date Established | 1988 |
| Assets | $ 17.36 billion |
| Loans | $ 11.75 billion |
| Deposits | $ 14.73 billion |
| Capital | $ 2.04 billion |
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.
Deposit Rates - October 29, 2026
Your Current Location: Arizona, AZ 85001
| Savings and Money Market Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.03% | $2,500 | $4,999 |
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Money Market
|
0.01% | $2,500 | $2,999 |
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|
Money Market
|
0.03% | $10,000 | $14,999 |
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|
Money Market
|
0.03% | $25,000 | $29,999 |
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| CD Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.25% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.25% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.30% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.30% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.40% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.40% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.50% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
0.50% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
0.50% | $100,000 | $199,999 |
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| 36 Mo CD
|
0.65% | $10,000 | $14,999 |
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| 36 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.75% | $10,000 | $14,999 |
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| 48 Mo CD
|
0.75% | $100,000 | $199,999 |
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| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.01% | $1 | $99 | Learn More |
| Int Ckg
|
0.03% | $2,500 | $3,499 | Learn More |
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Loan Rates - October 29, 2026
Your Current Location: Arizona, AZ 85001
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 - Arizona 30 Year Fixed Mortgage Rates 2026
Featured - Arizona Home Equity Line Of Credit Rates 2026
Note to Enterprise Bank & Trust
To upload and update your bank's rates please register.
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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:
Phoenix,Arizona
Enterprise Bank & Trust Locations around zip code 85001
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 5.87 | A | View Lobby Hours | |
| 308.87 | B | View Lobby Hours | |
| 312.37 | C | View Lobby Hours | |
| 317.89 | D | View Lobby Hours | |
| 318.63 | E | View Lobby Hours | |
| 323.29 | F | View Lobby Hours | |
| 985.65 | G | View Lobby Hours | |
| 987.84 | H | View Lobby Hours | |
| 988.90 | I | View Lobby Hours | |
| 992.20 | J | View Lobby Hours | |
| 996.46 | K | View Lobby Hours | |
| 1002.75 | L | View Lobby Hours | |
| 1185.16 | M | View Lobby Hours | |
| 1185.37 | N | View Lobby Hours | |
| 1187.06 | O | View Lobby Hours | |
| 1188.96 | P | View Lobby Hours | |
| 1189.79 | Q | View Lobby Hours | |
| 1195.19 | R | View Lobby Hours | |
| 1196.75 | S | View Lobby Hours | |
| 1196.75 | T | View Lobby Hours | |
| 1196.78 | U | View Lobby Hours | |
| 1197.21 | V | View Lobby Hours | |
| 1199.27 | W | View Lobby Hours | |
| 1200.86 | X | View Lobby Hours | |
| 1201.33 | Y | View Lobby Hours | |
| 1201.54 | Z | View Lobby Hours |
Climate Policy and Initiatives
Enterprise Bank & Trust is encouraged to provide us with this information. When we receive this information from the bank, we will provide it here.
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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 |
|---|---|
| 9.23% | 6.04% |
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 June 30, 2026, Enterprise Bank & Trust had $116,842,000 in non-current loans and $84,259,000 in owned real estate. To cover these potential losses it had $2,040,311,000 in equity and $139,238,000 in loans loss reserves. That gives it a Texas Ratio of 9.23%.
Return on Equity
| Enterprise Bank & Trust | U.S. Bank Average |
|---|---|
| 9.48% | 11.52% |
Enterprise Bank & Trust has a Return on Equity of 9.48% versus the BestCashCow average of 11.52%. 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 |
|---|---|
| 11.75% | 11.94% |
Enterprise Bank & Trust has a Capitalization of 11.75% versus the BestCashCow average of 11.94. 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, 2026, Enterprise Bank & Trust had assets of $17,357,139,000, loans of $11,754,306,000, and deposits of $14,728,842,000. 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, 2026| ASSETS | |
|---|---|
| Cash & Balances due from depository institutions | $ 541.55 million |
| Interest-bearing balances | $ 267.67 million |
| Total securities | $ 3.84 billion |
| Federal funds sold and reverse repurchase | $ 11.18 million |
| Net loans and leases | $ 11.75 billion |
| Loan loss allowance | $ 139.24 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 84.26 million |
| Goodwill and other intangibles | $ 438.28 million |
| All other assets | $ 399.10 million |
| Total Assets | $ 15.32 billion |
| LIABILITIES | |
|---|---|
| Total deposits | $ 14.73 billion |
| Interest-bearing deposits | $ 9.59 billion |
| Deposits held in domestic offices | $ 14.73 billion |
| % insured (estimated) | 66.53% |
| Federal funds purchased and repurchase agreements | $ 171.96 million |
| Trading liabilities | N.A. |
| Other borrowed funds | $ 50.00 million |
| Subordinated debt | N.A. |
| All other liabilities | $ 103.71 million |
| Total Liabilities | $ 15.32 billion |
| Shareholders’ Equity | $ 2.04 billion |
Summary Income Statement
June 30, 2026| INCOME AND EXPENSES | |
|---|---|
| Total Interest Income | $ 454.30 million |
| Total Interest Expense | $ 114.30 million |
| Net interest income | $ 340.00 million |
| Provision for loan and lease losses | $ 21.45 million |
| Total non interest income | $ 32.93 million |
| Total non interest expense | $ 227.43 million |
| Pre-tax Net Operating Income | $ 125.57 million |
Bank Loan Profile?
The top three loan types in Enterprise Bank & Trust’s loan portfolio are Commercial Real Estate, Commercial and Industrial Loans, and Construction and Development Loans.
Compared to other banks in Missouri, Enterprise Bank & Trust has a significantly higher percent of Commercial Real Estate, 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 | 3.56 | ✓ | ||
| Multifamily Mortgages |
1.71 | ✓ | ||
| Credit Card Loans | 0.03 | ✓ | ||
| Consumer Auto Loans | 0.01 | ✓ | ||
| Small Business Loans | 5.81 | ✓ | ||
| Construction and Development Loans | 6.16 | ✓ | ||
| Commercial Real Estate | 33.51 | ✓ | ||
| Commercial and Industrial Loans | 30.15 | ✓ | ||
| Farm Loans | 0.45 | ✓ | ||
Customer Reviews for Enterprise Bank & Trust
5.0 out of 5 based on 1 rating
Fredbird
August 30, 2017 |
Excellent bank with a friendly helpful staff
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