Enterprise Bank & Trust Mortgage Rates, Fees & Info

Clayton, MO

LEI: K0ZDN2CBIQC0EHBKNK35

Tax ID: 43-1472619

Latest/2024 | 2023 Data | 2022 Data | 2021 Data | 2020 Data | 2019 Data | 2018 Data

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Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • Complaints
  • Similar Lenders
  • Loan Length
  • Loan to Value Info
  • Debt-to-Income
  • Applicant Income
  • Ethnicity Info
  • Approval & Pick Rates
  • Points and Fees
  • Origination Fees (Closing Costs)

    • Bank Data

  • Branches
  • Income
  • Loan Types
  • Deposit Mix
  • Loan Performance
  • Assets
  • Business Loans

    • Review & Overview

    Enterprise Bank & Trust is a smaller bank specializing in Home Purchase and Refi loans. Enterprise Bank & Trust has a high proportion of conventional loans. They have a a low proportion of FHA loans. (This may mean they shy away from first time homebuyers.) Their top markets by origination volume include: Los Angeles, Santa Fe, St. Louis, Los Alamos, and Kansas City among others. We have data for 46 markets. (Some data included below & more in-depth data is available with an active subscription.)

    Enterprise Bank & Trust has an above average approval rate when compared to the average across all lenders. They have a below average pick rate when compared to similar lenders. Enterprise Bank & Trust is typically a low fee lender. (We use the term "fees" to include things like closing costs and other costs incurred by borrowers-- whether they are paid out of pocket or rolled into the loan.) They typically have about average rates.

    We show data for every lender and do not change our ratings-- even if an organization is a paid advertiser. Our consensus data does have lag, but it is highly correlated to a lender's rates & fees relative to their markets. This means that if a bank is a low fee/rate lender the past-- chances are they are still one today. Our SimulatedRates™ use advanced statistical techniques to forecast different rates based on a lender's historical data.

    Mortgage seekers: Choose your metro area here to explore the lowest fee & rate lenders.

    Mortgage professionals: We have various tools to make your lives easier. Contact us to see how we can help with your market research, analytics or advertising needs.


    Originations

    713

    Origination Dollar Volume (All Markets)

    $329,585,000

    Employee count

    1,054 Show all (10) awards

    Top Markets

    Zoom/scroll map to see bank's per metro statistics. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results. This map shows top 10 markets in the map viewport, as defined by descending origination volume.

    Market Originations Total Value Average Loan Average Fees Average Rate
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 31 $124,525,000 $4,016,935 $0 4.41%
    SANTA FE, NM (FHA|USDA|VA) 180 $56,760,000 $315,333 $4,292 2.94%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 224 $52,880,000 $236,071 $2,526 3.27%
    Los Alamos, NM (FHA|USDA|VA) 70 $22,150,000 $316,429 $4,074 2.92%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 66 $17,100,000 $259,091 $2,627 3.40%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 20 $11,050,000 $552,500 $4,341 2.97%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 5 $10,335,000 $2,067,000 $0 5.00%
    ALBUQUERQUE, NM (FHA|USDA|VA) 27 $6,745,000 $249,815 $3,763 2.95%
    Outside of Metro Areas 27 $5,935,000 $219,815 $3,568 2.90%
    Española, NM (FHA|USDA|VA) 7 $2,365,000 $337,857 $4,508 2.82%
    Las Vegas, NM (FHA|USDA|VA) 9 $2,055,000 $228,333 $4,291 3.15%
    Breckenridge, CO (FHA|USDA|VA) 1 $1,805,000 $1,805,000 $0 4.00%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 3 $1,455,000 $485,000 $0 3.67%
    LAWRENCE, KS (FHA|USDA|VA) 2 $1,420,000 $710,000 $2,486 4.20%
    TUCSON, AZ (FHA|USDA|VA) 3 $1,155,000 $385,000 $5,414 3.08%
    Taos, NM (FHA|USDA|VA) 4 $1,020,000 $255,000 $4,460 3.06%
    Miami-Fort Lauderdale-Pompano Beach, FL (FHA|USDA|VA) 1 $905,000 $905,000 $6,648 4.63%
    FLAGSTAFF, AZ (FHA|USDA|VA) 2 $680,000 $340,000 $0 4.25%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 1 $665,000 $665,000 $0 3.00%
    Hailey, ID (FHA|USDA|VA) 1 $645,000 $645,000 $6,717 3.00%
    Sevierville, TN (FHA|USDA|VA) 1 $625,000 $625,000 $0 4.25%
    BEND, OR (FHA|USDA|VA) 1 $545,000 $545,000 $5,004 2.88%
    HOUSTON-THE WOODLANDS-SUGAR LAND, TX (FHA|USDA|VA) 1 $545,000 $545,000 $5,845 2.50%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $545,000 $545,000 $0 3.88%
    PENSACOLA-FERRY PASS-BRENT, FL (FHA|USDA|VA) 1 $535,000 $535,000 $0 4.25%
    Philadelphia-Camden-Wilmington, PA-NJ-DE-MD (FHA|USDA|VA) 1 $515,000 $515,000 $0 4.13%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 4 $420,000 $105,000 $2,295 2.81%
    WORCESTER, MA-CT (FHA|USDA|VA) 1 $405,000 $405,000 $2,863 3.20%
    KNOXVILLE, TN (FHA|USDA|VA) 1 $365,000 $365,000 $5,861 2.88%
    Boston-Cambridge-Newton, MA-NH (FHA|USDA|VA) 1 $355,000 $355,000 $2,308 3.00%
    SACRAMENTO-ROSEVILLE-FOLSOM, CA (FHA|USDA|VA) 1 $305,000 $305,000 $4,356 2.25%
    THE VILLAGES, FL (FHA|USDA|VA) 1 $295,000 $295,000 $4,766 3.38%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $285,000 $285,000 $4,564 2.75%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $285,000 $285,000 $2,824 2.88%
    NASHVILLE-DAVIDSON-MURFREESBORO-FRANKLIN, TN (FHA|USDA|VA) 1 $235,000 $235,000 $2,366 4.00%
    Farmington, MO (FHA|USDA|VA) 1 $215,000 $215,000 $2,322 3.38%
    Ruidoso, NM (FHA|USDA|VA) 1 $205,000 $205,000 $3,325 2.88%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $205,000 $205,000 $0 4.75%
    Clovis, NM (FHA|USDA|VA) 1 $205,000 $205,000 $3,263 3.25%
    Roswell, NM (FHA|USDA|VA) 1 $165,000 $165,000 $1,808 3.00%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $165,000 $165,000 $3,111 2.50%
    RENO, NV (FHA|USDA|VA) 1 $155,000 $155,000 $2,205 2.63%
    Payson, AZ (FHA|USDA|VA) 1 $105,000 $105,000 $2,753 2.63%
    Kennett, MO (FHA|USDA|VA) 1 $95,000 $95,000 $6,348 3.00%
    FORT WAYNE, IN (FHA|USDA|VA) 1 $95,000 $95,000 $2,149 3.25%
    Poplar Bluff, MO (FHA|USDA|VA) 1 $65,000 $65,000 $2,608 3.00%
    Enterprise Bank & Trust's top markets include Los Angeles, Santa Fe, St. Louis, Los Alamos, and Kansas City among others.

    Their top states include:
  • California (FHA|USDA|VA)
  • New Mexico (FHA|USDA|VA)
  • Missouri (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)

    • Similar Lenders

    We use machine learning to identify the top lenders compared against Enterprise Bank & Trust based on their rates and fees, along with other useful metrics. A lower similarity rank signals a stronger match.

    SANDIA LABORATORY
    Similarity Rank: 320
    Town & Country Bank
    Similarity Rank: 328
    Ozarks Federal Savings and Loan Association
    Similarity Rank: 370
    First Credit Union
    Similarity Rank: 378
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 426
    GUADALUPE CREDIT UNION
    Similarity Rank: 525
    CapGrow Home Mortgage, LLC
    Similarity Rank: 552
    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 627
    FRONTIER COMMUNITY CREDIT UNION
    Similarity Rank: 693
    First American Bank
    Similarity Rank: 713

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 686 $324,930,000 $473,659 $3,382 3.20%
    FHA 26 $4,490,000 $172,692 $6,256 2.81%
    VA 1 $165,000 $165,000 $6,493 3.38%

    For 2021, Enterprise Bank & Trust's most frequently originated type of loan was Conventional, with 686 originations. Their 2nd most popular type was FHA, with 26 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 301 $169,165,000 $562,010 $4,184 3.39%
    Refi 217 $104,185,000 $480,115 $2,871 2.96%
    Cash Out Refi 171 $46,605,000 $272,544 $3,459 3.01%
    Home Improvement 20 $9,090,000 $454,500 $1,408 4.04%
    Other 4 $540,000 $135,000 $2,094 3.25%

    For 2021, Enterprise Bank & Trust's most frequently cited loan purpose was Home Purchase, with 301 originations. The 2nd most popular reason was Refi, with 217 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 460 $132,410,000 $287,848 $3,771 3.08%
    15 Year 94 $21,290,000 $226,489 $2,875 2.53%
    5 Year 46 $50,240,000 $1,092,174 $0 4.06%
    Other 44 $80,590,000 $1,831,591 $1,905 4.21%
    20 Year 27 $6,505,000 $240,926 $2,871 2.78%
    1 Year 22 $9,790,000 $445,000 $3,216 4.72%
    10 Year 14 $6,170,000 $440,714 $1,790 3.23%
    3 Year 6 $22,590,000 $3,765,000 $0 3.73%

    For 2021, Enterprise Bank & Trust's most frequently cited loan duration was 30 Year, with 460 originations. The 2nd most popular length was 15 Year, with 94 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 345 $91,605,000 $265,522
    $1k-2k 125 $33,095,000 $264,760
    $2k-3k 59 $16,485,000 $279,407
    $3k-4k 10 $4,280,000 $428,000
    $5k+ 10 $4,290,000 $429,000
    $4k-5k 4 $1,330,000 $332,500

    Enterprise Bank & Trust's average total fees were $3,771, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 345 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 280 $79,340,000 $283,357
    3-4% 221 $116,385,000 $526,629
    <2.5% 111 $27,835,000 $250,766
    4-5% 97 $99,605,000 $1,026,856
    5-6% 3 $4,315,000 $1,438,333

    During 2021, Enterprise Bank & Trust's average interest rate for loans was 3.08%, while their most frequently originated rate bucket for loans was 2.5-3%, with 280 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 297 $83,615,000 $281,532 $3,648 3.10%
    $100k-200k 194 $28,940,000 $149,175 $2,906 3.12%
    $400k-600k 120 $57,940,000 $482,833 $4,449 2.98%
    $100,000 or less 54 $3,920,000 $72,593 $2,139 3.42%
    $1MM+ 35 $145,745,000 $4,164,143 $11,547 4.35%
    $600k-1MM 13 $9,425,000 $725,000 $6,240 3.94%

    2021 saw Enterprise Bank & Trust place emphasis on $200k-400k loans with 297 originations, totaling $83,615,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 133 $40,215,000 $302,368 $3,710 2.96%
    $150k-250k 111 $37,105,000 $334,279 $3,635 2.95%
    $75k-100k 100 $25,370,000 $253,700 $3,485 2.94%
    $50k-75k 92 $18,950,000 $205,978 $3,387 2.99%
    $50k or less 83 $11,825,000 $142,470 $3,273 3.14%
    $250k+ 54 $22,420,000 $415,185 $3,840 2.91%

    Enterprise Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 133 originations. The second most popular income band? $150k-250k, with 111 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 165 $42,015,000 $254,636 $3,207 2.99%
    30-36% 107 $28,825,000 $269,393 $3,477 2.99%
    <20% 107 $28,335,000 $264,813 $2,995 2.92%
    39% 25 $6,185,000 $247,400 $4,012 3.15%
    38% 22 $5,820,000 $264,545 $3,693 3.13%
    37% 20 $6,180,000 $309,000 $3,533 3.18%
    44% 18 $4,910,000 $272,778 $4,744 3.04%
    36% 17 $5,135,000 $302,059 $3,680 2.98%
    42% 16 $3,570,000 $223,125 $4,464 3.04%
    43% 15 $5,145,000 $343,000 $4,982 2.92%
    48% 14 $4,600,000 $328,571 $3,860 2.88%
    47% 13 $3,465,000 $266,538 $5,263 2.86%
    49% 13 $3,335,000 $256,538 $3,588 2.77%
    41% 13 $3,405,000 $261,923 $3,522 3.05%
    45% 12 $3,190,000 $265,833 $3,713 2.90%
    40% 12 $3,040,000 $253,333 $3,579 2.98%
    46% 10 $3,740,000 $374,000 $3,642 2.83%
    50-60% 4 $1,920,000 $480,000 $4,471 3.09%

    Enterprise Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 165 originations. The next most common DTI ratio? 30-36%, with 107 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    Not applicable 101 $159,665,000 $1,580,842 $0 4.29%
    White 547 $148,045,000 $270,649 $3,452 3.00%
    Not provided 33 $14,775,000 $447,727 $3,905 3.06%
    Black 18 $3,040,000 $168,889 $4,787 3.06%
    Asian 10 $2,930,000 $293,000 $3,098 3.10%
    American Indian 4 $1,130,000 $282,500 $5,547 2.94%

    Approval Rates

    Total approvals of all applications
    90.80%

    Enterprise Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    77.70%

    Enterprise Bank & Trust has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 713 $329,585,000 $462,251

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    713 $329,585,000 $462,251

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 65 $19,385,000 $298,231 $3,253 2.97%
    40-60% 176 $98,030,000 $556,989 $2,971 3.01%
    60-80% 292 $152,220,000 $521,301 $3,540 3.37%
    80-100% 162 $46,240,000 $285,432 $4,214 3.09%
    Over 100% 3 $10,765,000 $3,588,333 $6,493 4.46%
    Under 20% 15 $2,945,000 $196,333 $1,980 3.31%

    Complaints

    Bank Name Product Issue 2021 CPFB Complaints % of Total Issues
    EnTrust Funding Conventional home mortgage Applying for a mortgage or refinancing an existing mortgage 4 80.0%
    EnTrust Funding FHA mortgage Applying for a mortgage or refinancing an existing mortgage 1 20.0%

    Bank Details

    Branches

    Bank Name Branch Branch Type Deposits (000's)
    Enterprise Bank & Trust 1001 First Capitol Drive Saint Charles, MO 63301 Full Service B&M $62,175
    Enterprise Bank & Trust 1052 South Kirkwood Road Kirkwood, MO 63122 Full Service B&M $79,577
    Enterprise Bank & Trust 10596 Highway 21 Hillsboro, MO 63050 Full Service B&M $106,038
    Enterprise Bank & Trust 110 North Clairborne Olathe, KS 66061 Full Service B&M $134,983
    Enterprise Bank & Trust 11401 Olive Boulevard Creve Coeur, MO 63141 Full Service B&M $321,010
    Enterprise Bank & Trust 11939 Rancho Bernardo Road, Suite 200 San Diego, CA 92128 Full Service B&M $1,058,781
    Enterprise Bank & Trust 11970 S Blackbob Rd Olathe, KS 66062 Full Service B&M $58,072
    Enterprise Bank & Trust 1200 Trinity Drive Los Alamos, NM 87544 Full Service B&M $662,975
    Enterprise Bank & Trust 12695 Metcalf Avenue Overland Park, KS 66213 Full Service B&M $513,378
    Enterprise Bank & Trust 1281 North Warson Road Saint Louis, MO 63132 Full Service B&M $1,581
    Enterprise Bank & Trust 13457 Tesson Ferry Road, Suite 10 Saint Louis, MO 63128 Limited, Mobile/Seasonal Office $1,712
    Enterprise Bank & Trust 14 North Jackson Street Perryville, MO 63775 Full Service B&M $60,045
    Enterprise Bank & Trust 14231 Manchester Road Manchester, MO 63011 Full Service B&M $59,336
    Enterprise Bank & Trust 150 North Meramec Clayton, MO 63105 Full Service B&M $2,260,951
    Enterprise Bank & Trust 151 South 18th Street, Suite T Kansas City, KS 66102 Full Service B&M $35,863
    Enterprise Bank & Trust 1737 Main Street Kansas City, MO 64108 Full Service B&M $224,381
    Enterprise Bank & Trust 175 North Parker Street Olathe, KS 66061 Full Service B&M $36,279
    Enterprise Bank & Trust 2009 Galisteo Street Santa Fe, NM 87505 Full Service B&M $263,262
    Enterprise Bank & Trust 22 West 35th Street Suite 102 National City, CA 91950 Full Service B&M $52,279
    Enterprise Bank & Trust 2521 Brentwood Boulevard Brentwood, MO 63144 Full Service B&M $46,004
    Enterprise Bank & Trust 277 N El Camino Real, Ste A Encinitas, CA 92024 Full Service B&M $50,018
    Enterprise Bank & Trust 300 St. Peters Centre Boulevard St. Peters, MO 63376 Full Service B&M $545,663
    Enterprise Bank & Trust 301 Griffin Street Santa Fe, NM 87501 Full Service B&M $226,872
    Enterprise Bank & Trust 31351 Rancho Viejo Road, Suite 101 San Juan Capistrano, CA 92675 Full Service B&M $80,683
    Enterprise Bank & Trust 3674 Cerrillos Rd Santa Fe, NM 87507 Full Service B&M $60,801
    Enterprise Bank & Trust 3890 South Lindbergh Boulevard Sunset Hills, MO 63127 Full Service B&M $621,560
    Enterprise Bank & Trust 3900 E Camelback Rd Phoenix, AZ 85018 Full Service B&M $235,170
    Enterprise Bank & Trust 3944 Vogel Road Arnold, MO 63010 Full Service B&M $92,366
    Enterprise Bank & Trust 4100 Lindell Blvd Saint Louis, MO 63108 Full Service B&M $15,671
    Enterprise Bank & Trust 444 East Santa Fe Street Olathe, KS 66061 Full Service B&M $152,272
    Enterprise Bank & Trust 4675 Gravois Road House Springs, MO 63051 Full Service B&M $95,916
    Enterprise Bank & Trust 5721 South Lindbergh Boulevard Saint Louis, MO 63123 Full Service B&M $60,342
    Enterprise Bank & Trust 6725 Chippewa Saint Louis, MO 63109 Full Service B&M $42,101
    Enterprise Bank & Trust 680 South Mill Street Festus, MO 63028 Full Service B&M $95,628
    Enterprise Bank & Trust 7092 S. Outer 364 O Fallon, MO 63368 Limited, Mobile/Seasonal Office $1,311
    Enterprise Bank & Trust 7445 Pan American Freeway Ne Albuquerque, NM 87109 Full Service B&M $69,713
    Enterprise Bank & Trust 77 Rover Boulevard White Rock, NM 87544 Full Service B&M $19,703
    Enterprise Bank & Trust 8311 West Sunset Road, Suite 140 Las Vegas, NV 89113 Full Service B&M $40,353
    Enterprise Bank & Trust 8475 Local Hillsboro Road Cedar Hill, MO 63016 Full Service B&M $64,439
    Enterprise Bank & Trust 8698 East Raintree Drive, Suite 104 Scottsdale, AZ 85260 Full Service B&M $107,933
    Enterprise Bank & Trust State Road 21, 12941 State Road 21 De Soto, MO 63020 Full Service B&M $35,729

    For 2021, Enterprise Bank & Trust had 41 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $382,289
    Net interest income $370,775
    Total noninterest income $57,564
    Gross Fiduciary activities income $9,475
    Service charges on deposit accounts $15,412
    Trading account gains and fees $0
    Additional Noninterest Income $32,677
    Pre-tax net operating income $179,720
    Securities gains (or losses, -) $43
    Income before extraordinary items $141,664
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $141,664
    Minority interest net income $0
    Net income $141,664
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $141,630

    Enterprise Bank & Trust's gross interest income from loans was $382,289,000.
    Enterprise Bank & Trust's net interest income from loans was $370,775,000.
    Enterprise Bank & Trust's fee based income from loans was $15,412,000.
    Enterprise Bank & Trust's net income from loans was $141,664,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $11,514
    Provision for credit losses $13,385
    Total noninterest expense $235,234
    Salaries and employee benefits $132,784
    Premises and equipment expense $16,461
    Additional noninterest expense $85,989
    Applicable income taxes $38,099
    Net charge-offs $11,629
    Cash dividends $95,000

    Enterprise Bank & Trust's interest expense for loans was $11,514,000.
    Enterprise Bank & Trust's payroll and benefits expense were $132,784,000.
    Enterprise Bank & Trust's property, plant and equipment expenses $16,461,000.

    Loan Performance

    Type of Loan % of Loans Noncurrent (30+ days, end of period snapshot)
    All loans 0.0%
    Real Estate loans 0.0%
    Construction & Land Development loans 0.0%
    Nonfarm, nonresidential loans 0.0%
    Multifamily residential loans 0.0%
    1-4 family residential loans 0.0%
    HELOC loans 0.0%
    All other family 0.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.3%
    Other individual loans 0.0%
    Auto loans 0.0%
    Other consumer loans 0.0%
    Unsecured commercial real estate loans 0.0%

    Deposits

    Type Value (in 000's)
    Total deposits $11,447,700
    Deposits held in domestic offices $11,447,700
    Deposits by Individuals, partnerships, and corporations $10,961,235
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $348,414
    Deposits by Commercial banks and other depository institutions in U.S. $138,051
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $2,006,896
    Demand deposits $1,578,817
    Nontransaction accounts $9,440,804
    Money market deposit accounts (MMDAs) $2,890,216
    Other savings deposits (excluding MMDAs) $5,942,295
    Total time deposits $608,293
    Total time and savings deposits $9,868,883
    Noninterest-bearing deposits $4,680,757
    Interest-bearing deposits $6,766,943
    Retail deposits $10,785,680
    IRAs and Keogh plan accounts $60,688
    Brokered deposits $499,098
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $13,498,982
    Cash & Balances due from depository institutions $2,022,113
    Interest-bearing balances $1,812,936
    Total securities $1,798,699
    Federal funds sold & reverse repurchase $1,356
    Net loans and leases $8,878,990
    Loan and leases loss allowance $145,041
    Trading account assets $0
    Bank premises and fixed assets $60,293
    Other real estate owned $3,493
    Goodwill and other intangibles $394,164
    All other assets $339,874

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $13,498,982
    Total Liabilities $11,930,135
    Total deposits $11,447,700
    Interest-bearing deposits $6,766,943
    Deposits held in domestic offices $11,447,700
    % insured (estimated) $48
    Federal funds purchased and repurchase agreements $331,006
    Trading liabilities $0
    Other borrowed funds $50,000
    Subordinated debt $0
    All other liabilities $101,429

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $8,878,990
    Loan and leases loss allowance $145,041
    Total loans and leases (domestic) $9,024,031
    All real estate loans $5,340,021
    Real estate loans in domestic offices $5,340,021
    Construction and development loans $734,073
    Residential 1-4 family construction $157,805
    Other construction, all land development and other land $576,268
    Loans secured by nonfarm nonresidential properties $3,813,549
    Nonfarm nonresidential secured by owner-occupied properties $1,889,358
    Commercial real estate & other non-farm, non-residential $1,924,191
    Multifamily residential real estate $216,952
    1-4 family residential loans $460,441
    Farmland loans $115,006
    Loans held in foreign offices $0
    Farm loans $50,984
    Commercial and industrial loans $3,341,391
    To non-U.S. addressees $0
    Loans to individuals $130,462
    Credit card loans $4,269
    Related Plans $6,149
    Consumer Auto Loans $1,293
    Other loans to individuals $118,751
    All other loans & leases $161,173
    Loans to foreign governments and official institutions $0
    Other loans $102,334
    Loans to depository institutions and acceptances of other banks $0
    Loans not secured by real estate $0
    Loans secured by real estate to non-U.S. addressees $0
    Restructured Loans & leases $2,859
    Non 1-4 family restructured loans & leases $2,783
    Total loans and leases (foreign) $0

    Enterprise Bank & Trust had $8,878,990,000 of loans outstanding in 2021. $5,340,021,000 of loans were in real estate loans. $734,073,000 of loans were in development loans. $216,952,000 of loans were in multifamily mortgage loans. $460,441,000 of loans were in 1-4 family mortgage loans. $50,984,000 of loans were in farm loans. $4,269,000 of loans were in credit card loans. $1,293,000 of loans were in the auto loan category.

    Small Business Loans

    Categorization # of Loans in Category $ amount of loans (in 000's) Average $/loan
    Nonfarm, nonresidential loans - <$1MM 2,448 $909,517 $371,535
    Nonfarm, nonresidential loans - <$100k 240 $14,182 $59,092
    Nonfarm, nonresidential loans - $100-250k 620 $97,196 $156,768
    Nonfarm, nonresidential loans - $250k-1MM 1,588 $798,139 $502,606
    Commercial & Industrial, US addressed loans - <$1MM 4,133 $595,809 $144,159
    Commercial & Industrial, US addressed loans - <$100k 2,624 $72,448 $27,610
    Commercial & Industrial, US addressed loans - $100-250k 665 $102,095 $153,526
    Commercial & Industrial, US addressed loans - $250k-1MM 844 $421,266 $499,130
    Farmland loans - <$1MM 48 $9,251 $192,729
    Farmland loans - <$100k 12 $443 $36,917
    Farmland loans - $100-250k 13 $2,165 $166,538
    Farmland loans - $250k-1MM 23 $6,643 $288,826
    Agriculture operations loans - <$1MM 19 $3,180 $167,368
    Agriculture operations loans - <$100k 5 $151 $30,200
    Agriculture operations loans - $100-250k 8 $1,038 $129,750
    Agriculture operations loans - $250k-1MM 6 $1,991 $331,833