Enterprise Bank & Trust Mortgage Rates, Fees & Info

Clayton, MO

LEI: K0ZDN2CBIQC0EHBKNK35

Tax ID: 43-1472619

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

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  • SimulatedRates™
  • Mortgage Calculator

    • 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.) They have a low ratio of USDA loans. Their top markets by origination volume include: St. Louis, Santa Fe, Kansas City, Los Alamos, and Phoenix among others. We have data for 23 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.

    SimulatedRates™

    Mortgage Type     		Simulated Rate Simulation Date
    30 Year Conventional Purchase 6.56% 12/16/24
    30 Year Conventional Refi 6.33% 12/16/24
    30 Year Cash-out Refi 6.67% 12/16/24
    30 Year FHA Purchase 7.31% 12/16/24
    30 Year FHA Refi 7.69% 12/16/24
    30 Year VA Purchase 6.48% 12/16/24
    15 Year Conventional Purchase 5.86% 12/16/24
    15 Year Conventional Refi 6.15% 12/16/24
    15 Year Cash-out Refi 6.15% 12/16/24
    These are simulated rates generated by our proprietary machine learning models. These are not guaranteed by the bank. They are our estimates based on a lender's past behaviors combined with current market conditions. Contact an individual lender for their actual rates. Our models use fixed rate terms for conforming loans, 700+ FICO, 10% down for FHA and 20% for conventional. These are based on consensus, historical data-- not advertised promotional rates.

    Enterprise Bank & Trust Mortgage Calculator






    Your Estimates

    Estimated Loan Payment: Update the calculator values and click calculate payment!

    This is not an official calculator from Enterprise Bank & Trust. It uses our SimulatedRate™ technology, basic math and reasonable assumptions to calculate mortgage payments derived from our simulations and your inputs.

    The default purchase price is the median sales price across the US for 2022Q4, per FRED.


    Originations

    430

    Origination Dollar Volume (All Markets)

    $113,670,000

    Employee count

    805 Show all (7) 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
    ST. LOUIS, MO-IL (FHA|USDA|VA) 166 $43,040,000 $259,277 $2,524 4.77%
    SANTA FE, NM (FHA|USDA|VA) 83 $22,045,000 $265,602 $4,235 3.72%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 75 $17,415,000 $232,200 $2,395 4.40%
    Los Alamos, NM (FHA|USDA|VA) 42 $12,900,000 $307,143 $3,328 3.78%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 14 $7,990,000 $570,714 $3,800 4.25%
    ALBUQUERQUE, NM (FHA|USDA|VA) 15 $3,165,000 $211,000 $3,014 3.93%
    Outside of Metro Areas 12 $2,290,000 $190,833 $3,020 4.40%
    Española, NM (FHA|USDA|VA) 5 $1,025,000 $205,000 $4,171 3.85%
    INDIANAPOLIS-CARMEL-ANDERSON, IN (FHA|USDA|VA) 2 $550,000 $275,000 $2,391 4.00%
    EL PASO, TX (FHA|USDA|VA) 1 $395,000 $395,000 $4,775 3.38%
    CRESTVIEW-FORT WALTON BEACH-DESTIN, FL (FHA|USDA|VA) 1 $395,000 $395,000 $4,608 5.38%
    FLAGSTAFF, AZ (FHA|USDA|VA) 1 $335,000 $335,000 $3,019 3.63%
    DENVER-AURORA-LAKEWOOD, CO (FHA|USDA|VA) 1 $305,000 $305,000 $0 5.38%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $295,000 $295,000 $3,649 3.50%
    Las Vegas, NM (FHA|USDA|VA) 3 $275,000 $91,667 $3,529 3.96%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 1 $205,000 $205,000 $2,503 3.88%
    Branson, MO (FHA|USDA|VA) 1 $205,000 $205,000 $2,308 3.63%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 1 $195,000 $195,000 $3,408 3.50%
    Breckenridge, CO (FHA|USDA|VA) 1 $175,000 $175,000 $3,005 4.25%
    TAMPA-ST. PETERSBURG-CLEARWATER, FL (FHA|USDA|VA) 1 $175,000 $175,000 $2,752 3.13%
    LAS CRUCES, NM (FHA|USDA|VA) 1 $125,000 $125,000 $2,787 3.88%
    ORLANDO-KISSIMMEE-SANFORD, FL (FHA|USDA|VA) 1 $105,000 $105,000 $0 5.75%
    BLOOMINGTON, IN (FHA|USDA|VA) 1 $65,000 $65,000 $2,231 3.75%
    Enterprise Bank & Trust's top markets include St. Louis, Santa Fe, Kansas City, Los Alamos, and Phoenix among others.

    Their top states include:
  • Missouri (FHA|USDA|VA)
  • New Mexico (FHA|USDA|VA)
  • Kansas (FHA|USDA|VA)
  • Arizona (FHA|USDA|VA)
  • Colorado (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: 60
    Citizens Savings and Loan Association, FSB
    Similarity Rank: 141
    MAINSTREET FEDERAL CREDIT UNION
    Similarity Rank: 160
    WEST COMMUNITY
    Similarity Rank: 190
    RIO GRANDE
    Similarity Rank: 264
    United Bank of Union
    Similarity Rank: 275
    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 302
    ELECTRO SAVINGS CREDIT UNION
    Similarity Rank: 396
    UNITED CONSUMERS CREDIT UNION
    Similarity Rank: 416
    Dieterich Bank
    Similarity Rank: 442

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 400 $105,800,000 $264,500 $2,788 4.35%
    FHA 20 $3,420,000 $171,000 $5,774 3.87%
    VA 7 $2,965,000 $423,571 $8,169 3.46%
    USDA 2 $300,000 $150,000 $4,399 3.63%
    HELOC 1 $1,185,000 $1,185,000 n/a 4.69%

    For 2019, Enterprise Bank & Trust's most frequently originated type of loan was Conventional, with 400 originations. Their 2nd most popular type was FHA, with 20 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Home Purchase 196 $45,810,000 $233,724 $3,427 4.55%
    Refi 126 $40,550,000 $321,825 $2,670 4.07%
    Cash Out Refi 86 $21,190,000 $246,395 $3,280 3.91%
    Home Improvement 16 $4,910,000 $306,875 $1,333 5.26%
    Other 6 $1,210,000 $201,667 $1,848 4.54%

    For 2019, Enterprise Bank & Trust's most frequently cited loan purpose was Home Purchase, with 196 originations. The 2nd most popular reason was Refi, with 126 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 247 $62,815,000 $254,312 $3,356 4.03%
    15 Year 56 $11,160,000 $199,286 $2,593 3.52%
    5 Year 49 $17,565,000 $358,469 $941 5.26%
    1 Year 27 $5,825,000 $215,741 $3,829 6.12%
    Other 20 $10,120,000 $506,000 $2,761 5.25%
    20 Year 17 $3,995,000 $235,000 $2,930 3.79%
    10 Year 10 $850,000 $85,000 $1,146 5.31%
    3 Year 4 $1,340,000 $335,000 $481 3.52%

    For 2019, Enterprise Bank & Trust's most frequently cited loan duration was 30 Year, with 247 originations. The 2nd most popular length was 15 Year, with 56 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 256 $59,600,000 $232,813
    $1k-2k 47 $11,815,000 $251,383
    $2k-3k 11 $3,265,000 $296,818
    $3k-4k 2 $650,000 $325,000
    $4k-5k 1 $465,000 $465,000
    $5k+ 1 $235,000 $235,000

    Enterprise Bank & Trust's average total fees were $3,356, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 256 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    3-4% 230 $59,410,000 $258,304
    4-5% 91 $33,625,000 $369,505
    5-6% 86 $16,100,000 $187,209
    6-7% 18 $2,870,000 $159,444
    2.5-3% 3 $865,000 $288,333
    <2.5% 1 $125,000 $125,000
    7-8% 1 $675,000 $675,000

    During 2019, Enterprise Bank & Trust's average interest rate for loans was 4.03%, while their most frequently originated rate bucket for loans was 3-4%, with 230 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 166 $46,800,000 $281,928 $3,299 4.16%
    $100k-200k 137 $20,805,000 $151,861 $2,994 4.20%
    $100,000 or less 67 $4,145,000 $61,866 $1,981 5.00%
    $400k-600k 41 $18,965,000 $462,561 $3,560 4.01%
    $600k-1MM 10 $7,680,000 $768,000 $6,530 4.72%
    $1MM+ 9 $15,275,000 $1,697,222 $0 4.69%

    2019 saw Enterprise Bank & Trust place emphasis on $200k-400k loans with 166 originations, totaling $46,800,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 68 $17,120,000 $251,765 $3,138 4.00%
    $150k-250k 67 $21,775,000 $325,000 $3,084 3.90%
    $50k-75k 66 $11,240,000 $170,303 $3,099 4.11%
    $50k or less 64 $8,210,000 $128,281 $2,970 4.28%
    $75k-100k 52 $12,570,000 $241,731 $3,378 4.02%
    $250k+ 26 $10,190,000 $391,923 $3,062 4.09%

    Enterprise Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 68 originations. The second most popular income band? $150k-250k, with 67 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 95 $21,265,000 $223,842 $2,922 4.05%
    30-36% 79 $18,065,000 $228,671 $3,013 4.13%
    <20% 60 $14,770,000 $246,167 $2,708 4.01%
    36% 11 $2,185,000 $198,636 $2,482 4.30%
    44% 11 $3,355,000 $305,000 $4,336 4.00%
    37% 10 $2,210,000 $221,000 $2,360 3.80%
    45% 10 $2,130,000 $213,000 $3,338 3.79%
    40% 9 $2,335,000 $259,444 $3,041 3.78%
    42% 8 $2,080,000 $260,000 $3,733 3.52%
    38% 8 $1,980,000 $247,500 $2,941 4.22%
    41% 8 $1,970,000 $246,250 $2,983 3.81%
    43% 8 $1,630,000 $203,750 $3,717 3.64%
    39% 7 $1,785,000 $255,000 $3,323 4.55%
    49% 7 $1,565,000 $223,571 $4,319 3.96%
    46% 5 $1,245,000 $249,000 $2,517 3.70%
    >60% 5 $1,255,000 $251,000 $5,017 4.95%
    47% 5 $835,000 $167,000 $3,127 4.10%
    48% 3 $845,000 $281,667 $6,000 3.58%
    50-60% 3 $745,000 $248,333 $11,292 4.21%

    Enterprise Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 95 originations. The next most common DTI ratio? 30-36%, with 79 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 320 $76,010,000 $237,531 $3,070 4.08%
    Not applicable 74 $29,800,000 $402,703 $0 5.52%
    Not provided 11 $3,295,000 $299,545 $3,195 3.56%
    Asian 13 $2,935,000 $225,769 $3,193 3.62%
    Black 11 $1,555,000 $141,364 $3,868 4.43%
    American Indian 1 $75,000 $75,000 $0 4.88%

    Approval Rates

    Total approvals of all applications
    90.80%

    Enterprise Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    65.35%

    Enterprise Bank & Trust has a low pick rate. They may have issues with closing loans or may approve everyone, but with onerous loan terms.

    Points and Fees

    Points Originations Total Value Average Loan
    3529.35 1 $215,000 $215,000
    388.01 1 $15,000 $15,000
    481.15 1 $55,000 $55,000
    506.15 1 $15,000 $15,000
    NA 426 $113,370,000 $266,127

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 11 $12,855,000 $1,168,636
    Single Family (1-4 Units):Site-Built 419 $100,815,000 $240,609

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 33 $5,105,000 $154,697 $2,983 4.08%
    40-60% 73 $16,975,000 $232,534 $2,765 4.11%
    60-80% 180 $55,090,000 $306,056 $2,959 4.43%
    80-100% 117 $29,185,000 $249,444 $3,659 4.17%
    Over 100% 12 $6,520,000 $543,333 $11,430 5.17%
    Under 20% 14 $760,000 $54,286 $1,227 4.79%

    Complaints

    Bank Name Product Issue 2019 CPFB Complaints % of Total Issues
    EnTrust Funding VA mortgage Applying for a mortgage or refinancing an existing mortgage 1 100.0%

    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 $54,435
    Enterprise Bank & Trust 1052 South Kirkwood Road Kirkwood, MO 63122 Full Service B&M $64,606
    Enterprise Bank & Trust 10596 Highway 21 Hillsboro, MO 63050 Full Service B&M $87,368
    Enterprise Bank & Trust 110 North Clairborne Olathe, KS 66061 Full Service B&M $91,885
    Enterprise Bank & Trust 11401 Olive Boulevard Creve Coeur, MO 63141 Full Service B&M $229,181
    Enterprise Bank & Trust 11970 S Blackbob Rd Olathe, KS 66062 Full Service B&M $54,545
    Enterprise Bank & Trust 1200 Trinity Drive Los Alamos, NM 87544 Full Service B&M $601,889
    Enterprise Bank & Trust 12695 Metcalf Avenue Overland Park, KS 66213 Full Service B&M $387,516
    Enterprise Bank & Trust 1281 North Warson Road Saint Louis, MO 63132 Full Service B&M $1,260
    Enterprise Bank & Trust 13457 Tesson Ferry Road, Suite 10 Saint Louis, MO 63128 Limited, Mobile/Seasonal Office $1,656
    Enterprise Bank & Trust 14 North Jackson Street Perryville, MO 63775 Full Service B&M $54,062
    Enterprise Bank & Trust 14231 Manchester Road Manchester, MO 63011 Full Service B&M $52,235
    Enterprise Bank & Trust 150 North Meramec Clayton, MO 63105 Full Service B&M $1,734,781
    Enterprise Bank & Trust 151 South 18th Street, Suite T Kansas City, KS 66102 Full Service B&M $20,676
    Enterprise Bank & Trust 1737 Main Street Kansas City, MO 64108 Full Service B&M $72,930
    Enterprise Bank & Trust 175 North Parker Street Olathe, KS 66061 Full Service B&M $26,658
    Enterprise Bank & Trust 2009 Galisteo Street Santa Fe, NM 87505 Full Service B&M $193,821
    Enterprise Bank & Trust 2521 Brentwood Boulevard Brentwood, MO 63144 Full Service B&M $34,085
    Enterprise Bank & Trust 300 St. Peters Centre Boulevard St. Peters, MO 63376 Full Service B&M $369,198
    Enterprise Bank & Trust 301 Griffin Street Santa Fe, NM 87501 Full Service B&M $157,282
    Enterprise Bank & Trust 3674 Cerrillos Rd Santa Fe, NM 87507 Full Service B&M $43,670
    Enterprise Bank & Trust 3890 South Lindbergh Boulevard Sunset Hills, MO 63127 Full Service B&M $467,608
    Enterprise Bank & Trust 3900 E Camelback Rd Phoenix, AZ 85018 Full Service B&M $114,623
    Enterprise Bank & Trust 3944 Vogel Road Arnold, MO 63010 Full Service B&M $70,769
    Enterprise Bank & Trust 4100 Lindell Blvd Saint Louis, MO 63108 Full Service B&M $7,881
    Enterprise Bank & Trust 444 East Santa Fe Street Olathe, KS 66061 Full Service B&M $138,279
    Enterprise Bank & Trust 4675 Gravois Road House Springs, MO 63051 Full Service B&M $79,591
    Enterprise Bank & Trust 5721 South Lindbergh Boulevard Saint Louis, MO 63123 Full Service B&M $57,687
    Enterprise Bank & Trust 6725 Chippewa Saint Louis, MO 63109 Full Service B&M $34,268
    Enterprise Bank & Trust 680 South Mill Street Festus, MO 63028 Full Service B&M $80,564
    Enterprise Bank & Trust 7092 S. Outer 364 O Fallon, MO 63368 Limited, Mobile/Seasonal Office $1,602
    Enterprise Bank & Trust 7445 Pan American Freeway Ne Albuquerque, NM 87109 Full Service B&M $26,781
    Enterprise Bank & Trust 77 Rover Boulevard White Rock, NM 87544 Full Service B&M $16,077
    Enterprise Bank & Trust 8475 Local Hillsboro Road Cedar Hill, MO 63016 Full Service B&M $49,250
    Enterprise Bank & Trust 8698 East Raintree Drive, Suite 104 Scottsdale, AZ 85260 Full Service B&M $70,320
    Enterprise Bank & Trust State Road 21, 12941 State Road 21 De Soto, MO 63020 Full Service B&M $27,426

    For 2019, Enterprise Bank & Trust had 36 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $304,147
    Net interest income $246,425
    Total noninterest income $47,360
    Gross Fiduciary activities income $8,595
    Service charges on deposit accounts $12,486
    Trading account gains and fees $0
    Additional Noninterest Income $26,279
    Pre-tax net operating income $126,895
    Securities gains (or losses, -) $-3
    Income before extraordinary items $100,240
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $100,240
    Minority interest net income $0
    Net income $100,240
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $100,242

    Enterprise Bank & Trust's gross interest income from loans was $304,147,000.
    Enterprise Bank & Trust's net interest income from loans was $246,425,000.
    Enterprise Bank & Trust's fee based income from loans was $12,486,000.
    Enterprise Bank & Trust's net income from loans was $100,240,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $57,722
    Provision for credit losses $6,372
    Total noninterest expense $160,518
    Salaries and employee benefits $85,304
    Premises and equipment expense $12,595
    Additional noninterest expense $62,619
    Applicable income taxes $26,652
    Net charge-offs $6,560
    Cash dividends $60,000

    Enterprise Bank & Trust's interest expense for loans was $57,722,000.
    Enterprise Bank & Trust's payroll and benefits expense were $85,304,000.
    Enterprise Bank & Trust's property, plant and equipment expenses $12,595,000.

    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 $5,800,174
    Deposits held in domestic offices $5,800,174
    Deposits by Individuals, partnerships, and corporations $5,338,859
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $253,434
    Deposits by Commercial banks and other depository institutions in U.S. $207,881
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $670,830
    Demand deposits $418,667
    Nontransaction accounts $5,129,344
    Money market deposit accounts (MMDAs) $1,733,693
    Other savings deposits (excluding MMDAs) $2,569,203
    Total time deposits $826,448
    Total time and savings deposits $5,381,507
    Noninterest-bearing deposits $1,355,183
    Interest-bearing deposits $4,444,991
    Retail deposits $5,030,210
    IRAs and Keogh plan accounts $75,510
    Brokered deposits $567,581
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $7,293,396
    Cash & Balances due from depository institutions $163,484
    Interest-bearing balances $88,715
    Total securities $1,316,651
    Federal funds sold & reverse repurchase $3,060
    Net loans and leases $5,276,619
    Loan and leases loss allowance $43,288
    Trading account assets $0
    Bank premises and fixed assets $57,831
    Other real estate owned $6,344
    Goodwill and other intangibles $236,420
    All other assets $232,987

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $7,293,396
    Total Liabilities $6,315,382
    Total deposits $5,800,174
    Interest-bearing deposits $4,444,991
    Deposits held in domestic offices $5,800,174
    % insured (estimated) $60
    Federal funds purchased and repurchase agreements $400,886
    Trading liabilities $0
    Other borrowed funds $52,406
    Subordinated debt $0
    All other liabilities $61,916

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $5,276,619
    Loan and leases loss allowance $43,288
    Total loans and leases (domestic) $5,319,907
    All real estate loans $2,826,425
    Real estate loans in domestic offices $2,826,425
    Construction and development loans $457,273
    Residential 1-4 family construction $47,059
    Other construction, all land development and other land $410,214
    Loans secured by nonfarm nonresidential properties $1,744,716
    Nonfarm nonresidential secured by owner-occupied properties $584,354
    Commercial real estate & other non-farm, non-residential $1,160,362
    Multifamily residential real estate $139,522
    1-4 family residential loans $371,831
    Farmland loans $113,083
    Loans held in foreign offices $0
    Farm loans $30,139
    Commercial and industrial loans $2,331,018
    To non-U.S. addressees $0
    Loans to individuals $24,529
    Credit card loans $5,385
    Related Plans $3,132
    Consumer Auto Loans $1,669
    Other loans to individuals $14,343
    All other loans & leases $107,796
    Loans to foreign governments and official institutions $0
    Other loans $77,031
    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 $79
    Non 1-4 family restructured loans & leases $0
    Total loans and leases (foreign) $0

    Enterprise Bank & Trust had $5,276,619,000 of loans outstanding in 2019. $2,826,425,000 of loans were in real estate loans. $457,273,000 of loans were in development loans. $139,522,000 of loans were in multifamily mortgage loans. $371,831,000 of loans were in 1-4 family mortgage loans. $30,139,000 of loans were in farm loans. $5,385,000 of loans were in credit card loans. $1,669,000 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 1,006 $285,370 $283,668
    Nonfarm, nonresidential loans - <$100k 132 $6,135 $46,477
    Nonfarm, nonresidential loans - $100-250k 304 $42,650 $140,296
    Nonfarm, nonresidential loans - $250k-1MM 570 $236,585 $415,061
    Commercial & Industrial, US addressed loans - <$1MM 2,774 $353,962 $127,600
    Commercial & Industrial, US addressed loans - <$100k 1,836 $45,654 $24,866
    Commercial & Industrial, US addressed loans - $100-250k 402 $60,973 $151,674
    Commercial & Industrial, US addressed loans - $250k-1MM 536 $247,335 $461,446
    Farmland loans - <$1MM 67 $13,066 $195,015
    Farmland loans - <$100k 21 $906 $43,143
    Farmland loans - $100-250k 18 $2,625 $145,833
    Farmland loans - $250k-1MM 28 $9,535 $340,536
    Agriculture operations loans - <$1MM 20 $3,583 $179,150
    Agriculture operations loans - <$100k 6 $220 $36,667
    Agriculture operations loans - $100-250k 7 $1,082 $154,571
    Agriculture operations loans - $250k-1MM 7 $2,281 $325,857