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

Jump to:

  • SimulatedRates™
  • Mortgage Calculator

    • Mortgage Data

  • Originations
  • Top Markets
  • Product Mix
  • Loan Reason
  • Typical Rates
  • Loan Sizes
  • Dwelling Types
  • 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 Refi and Home Purchase 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: Santa Fe, St. Louis, Los Alamos, Kansas City, and Phoenix among others. We have data for 56 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% 11/17/24
    30 Year Conventional Refi 6.33% 11/17/24
    30 Year Cash-out Refi 6.67% 11/17/24
    30 Year FHA Purchase 7.31% 11/17/24
    30 Year FHA Refi 7.69% 11/17/24
    30 Year VA Purchase 6.48% 11/17/24
    15 Year Conventional Purchase 5.86% 11/17/24
    15 Year Conventional Refi 6.15% 11/17/24
    15 Year Cash-out Refi 6.15% 11/17/24
    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

    960

    Origination Dollar Volume (All Markets)

    $268,350,000

    Employee count

    971 Show all (9) 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
    SANTA FE, NM (FHA|USDA|VA) 262 $84,840,000 $323,817 $3,796 3.12%
    ST. LOUIS, MO-IL (FHA|USDA|VA) 303 $70,745,000 $233,482 $2,345 3.44%
    Los Alamos, NM (FHA|USDA|VA) 109 $31,335,000 $287,477 $3,569 3.05%
    KANSAS CITY, MO-KS (FHA|USDA|VA) 102 $21,290,000 $208,725 $2,789 3.42%
    PHOENIX-MESA-CHANDLER, AZ (FHA|USDA|VA) 34 $12,020,000 $353,529 $3,820 3.03%
    ALBUQUERQUE, NM (FHA|USDA|VA) 43 $9,805,000 $228,023 $3,335 3.03%
    NAPLES-MARCO ISLAND, FL (FHA|USDA|VA) 1 $6,005,000 $6,005,000 $26,004 4.00%
    SAN DIEGO-CHULA VISTA-CARLSBAD, CA (FHA|USDA|VA) 1 $5,705,000 $5,705,000 $0 4.25%
    Outside of Metro Areas 18 $4,200,000 $233,333 $2,955 3.10%
    RIVERSIDE-SAN BERNARDINO-ONTARIO, CA (FHA|USDA|VA) 1 $2,675,000 $2,675,000 $0 4.50%
    Española, NM (FHA|USDA|VA) 13 $2,055,000 $158,077 $3,931 3.09%
    Las Vegas, NM (FHA|USDA|VA) 7 $1,395,000 $199,286 $4,229 3.19%
    Taos, NM (FHA|USDA|VA) 5 $1,135,000 $227,000 $3,862 3.18%
    Gardnerville Ranchos, NV (FHA|USDA|VA) 1 $1,085,000 $1,085,000 $0 4.25%
    CAPE GIRARDEAU, MO-IL (FHA|USDA|VA) 6 $980,000 $163,333 $3,526 2.73%
    Chicago-Naperville-Elgin, IL-IN-WI (FHA|USDA|VA) 3 $885,000 $295,000 $4,071 2.92%
    LAS CRUCES, NM (FHA|USDA|VA) 4 $780,000 $195,000 $2,983 2.84%
    Dodge City, KS (FHA|USDA|VA) 1 $755,000 $755,000 $0 4.00%
    Farmington, MO (FHA|USDA|VA) 3 $745,000 $248,333 $2,541 3.17%
    Breckenridge, CO (FHA|USDA|VA) 2 $600,000 $300,000 $2,338 2.69%
    Morehead City, NC (FHA|USDA|VA) 2 $570,000 $285,000 $2,781 3.38%
    GRAND RAPIDS-KENTWOOD, MI (FHA|USDA|VA) 1 $515,000 $515,000 $3,484 2.75%
    AUSTIN-ROUND ROCK-GEORGETOWN, TX (FHA|USDA|VA) 1 $515,000 $515,000 $4,987 2.13%
    Los Angeles-Long Beach-Anaheim, CA (FHA|USDA|VA) 1 $505,000 $505,000 $0 5.00%
    JACKSONVILLE, FL (FHA|USDA|VA) 1 $475,000 $475,000 $5,792 3.13%
    TUCSON, AZ (FHA|USDA|VA) 1 $385,000 $385,000 $2,042 3.00%
    LAS VEGAS-HENDERSON-PARADISE, NV (FHA|USDA|VA) 2 $340,000 $170,000 $2,357 3.19%
    Branson, MO (FHA|USDA|VA) 1 $335,000 $335,000 $2,875 2.75%
    Oil City, PA (FHA|USDA|VA) 1 $325,000 $325,000 $5,259 3.50%
    WICHITA, KS (FHA|USDA|VA) 2 $320,000 $160,000 $1,946 2.63%
    Poplar Bluff, MO (FHA|USDA|VA) 2 $320,000 $160,000 $2,580 3.19%
    BURLINGTON-SOUTH BURLINGTON, VT (FHA|USDA|VA) 1 $305,000 $305,000 $2,235 2.88%
    BURLINGTON, NC (FHA|USDA|VA) 2 $300,000 $150,000 $3,072 2.81%
    DELTONA-DAYTONA BEACH-ORMOND BEACH, FL (FHA|USDA|VA) 1 $275,000 $275,000 $3,591 2.88%
    Dallas-Fort Worth-Arlington, TX (FHA|USDA|VA) 1 $265,000 $265,000 $2,778 2.38%
    PRESCOTT VALLEY-PRESCOTT, AZ (FHA|USDA|VA) 1 $245,000 $245,000 $2,811 3.00%
    GREENVILLE-ANDERSON, SC (FHA|USDA|VA) 1 $245,000 $245,000 $3,398 2.25%
    BOULDER, CO (FHA|USDA|VA) 1 $245,000 $245,000 $2,294 2.75%
    CAPE CORAL-FORT MYERS, FL (FHA|USDA|VA) 1 $245,000 $245,000 $0 4.25%
    Washington-Arlington-Alexandria, DC-VA-MD-WV (FHA|USDA|VA) 1 $235,000 $235,000 $0 3.50%
    ODESSA, TX (FHA|USDA|VA) 1 $225,000 $225,000 $3,663 3.13%
    Newport, OR (FHA|USDA|VA) 1 $215,000 $215,000 $5,687 2.88%
    Ruidoso, NM (FHA|USDA|VA) 1 $215,000 $215,000 $2,184 2.88%
    COLUMBIA, MO (FHA|USDA|VA) 1 $205,000 $205,000 $1,903 2.25%
    FORT COLLINS, CO (FHA|USDA|VA) 1 $195,000 $195,000 $2,792 4.25%
    RENO, NV (FHA|USDA|VA) 1 $195,000 $195,000 $2,197 2.88%
    Emporia, KS (FHA|USDA|VA) 1 $175,000 $175,000 $2,778 2.88%
    Sevierville, TN (FHA|USDA|VA) 1 $155,000 $155,000 $2,832 3.00%
    COLORADO SPRINGS, CO (FHA|USDA|VA) 1 $135,000 $135,000 $2,179 2.88%
    LUBBOCK, TX (FHA|USDA|VA) 1 $125,000 $125,000 $2,356 2.88%
    Atchison, KS (FHA|USDA|VA) 1 $115,000 $115,000 $2,152 2.75%
    LAWRENCE, KS (FHA|USDA|VA) 1 $95,000 $95,000 $2,573 2.75%
    Pittsburg, KS (FHA|USDA|VA) 1 $95,000 $95,000 $0 3.50%
    FARMINGTON, NM (FHA|USDA|VA) 1 $75,000 $75,000 $0 3.75%
    FRESNO, CA (FHA|USDA|VA) 1 $75,000 $75,000 $2,926 2.50%
    Albert Lea, MN (FHA|USDA|VA) 1 $55,000 $55,000 $0 2.88%
    Enterprise Bank & Trust's top markets include Santa Fe, St. Louis, Los Alamos, Kansas City, and Phoenix among others.

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

    RIO GRANDE
    Similarity Rank: 135
    SANDIA LABORATORY
    Similarity Rank: 244
    United Bank of Union
    Similarity Rank: 245
    WESTSTAR MORTGAGE CORPORATION
    Similarity Rank: 299
    CapGrow Home Mortgage, LLC
    Similarity Rank: 352
    HNB National Bank
    Similarity Rank: 360
    Prairie State Bank and Trust
    Similarity Rank: 360
    Azura Credit Union
    Similarity Rank: 380
    D.W. BROWN MORTGAGE CORP.
    Similarity Rank: 428
    First Financial Credit Union
    Similarity Rank: 429

    Product Mix

    Loan Type Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Conventional 920 $260,510,000 $283,163 $3,039 3.24%
    FHA 30 $4,780,000 $159,333 $5,730 3.10%
    VA 7 $2,395,000 $342,143 $9,000 3.29%
    USDA 2 $510,000 $255,000 $5,983 2.75%
    HELOC 1 $155,000 $155,000 n/a 4.25%

    For 2020, Enterprise Bank & Trust's most frequently originated type of loan was Conventional, with 920 originations. Their 2nd most popular type was FHA, with 30 originations.

    Loan Reason

    Loan Reason Originations Total Value Avg. Loan Avg. Fees Avg. Rate
    Refi 484 $134,970,000 $278,864 $2,827 3.08%
    Home Purchase 307 $92,755,000 $302,134 $3,984 3.40%
    Cash Out Refi 141 $36,215,000 $256,844 $3,129 3.25%
    Other 16 $2,530,000 $158,125 $2,992 3.46%
    Home Improvement 12 $1,880,000 $156,667 $1,196 4.46%

    For 2020, Enterprise Bank & Trust's most frequently cited loan purpose was Refi, with 484 originations. The 2nd most popular reason was Home Purchase, with 307 originations.

    Loan Duration/Length

    Loan Length Originations Total Value Average Loan Average Fees Average Rate
    30 Year 652 $178,690,000 $274,064 $3,392 3.16%
    15 Year 164 $38,230,000 $233,110 $2,780 2.69%
    5 Year 52 $14,640,000 $281,538 $568 4.41%
    1 Year 32 $9,870,000 $308,438 $2,909 4.77%
    20 Year 26 $6,630,000 $255,000 $2,422 2.99%
    Other 22 $19,080,000 $867,273 $2,806 3.99%
    10 Year 10 $880,000 $88,000 $1,191 4.36%
    3 Year 2 $330,000 $165,000 $0 5.13%

    For 2020, Enterprise Bank & Trust's most frequently cited loan duration was 30 Year, with 652 originations. The 2nd most popular length was 15 Year, with 164 originations.

    Origination Fees/Closing Costs

    Origination Fee/Closing Cost Originations Total Value Average Loan
    $<1k 519 $138,905,000 $267,640
    $1k-2k 205 $50,935,000 $248,463
    $2k-3k 63 $18,495,000 $293,571
    $3k-4k 12 $3,930,000 $327,500
    $5k+ 5 $1,655,000 $331,000
    $4k-5k 1 $215,000 $215,000

    Enterprise Bank & Trust's average total fees were $3,392, while their most frequently occuring range of origination fees (closing costs) were in the $<1k bucket, with 519 originations.

    Interest Rates

    Loan Rate Originations Total Value Average Loan
    2.5-3% 376 $98,230,000 $261,250
    3-4% 338 $92,610,000 $273,994
    <2.5% 123 $33,415,000 $271,667
    4-5% 99 $39,435,000 $398,333
    5-6% 23 $3,345,000 $145,435
    6-7% 1 $1,315,000 $1,315,000

    During 2020, Enterprise Bank & Trust's average interest rate for loans was 3.16%, while their most frequently originated rate bucket for loans was 2.5-3%, with 376 originations.

    Loan Sizing

    Loan Size Originations Total Value Average Loan Average Fees Average Rate
    $200k-400k 428 $121,070,000 $282,874 $3,204 3.11%
    $100k-200k 309 $46,855,000 $151,634 $2,911 3.25%
    $400k-600k 129 $61,565,000 $477,248 $3,970 3.08%
    $100,000 or less 78 $5,430,000 $69,615 $2,274 3.91%
    $1MM+ 8 $27,460,000 $3,432,500 $14,457 4.50%
    $600k-1MM 8 $5,970,000 $746,250 $4,190 3.98%

    2020 saw Enterprise Bank & Trust place emphasis on $200k-400k loans with 428 originations, totaling $121,070,000 in origination value.

    Applicant Income

    Applicant Income Originations Total Value Average Loan Average Fees Average Rate
    $100k-150k 179 $50,695,000 $283,212 $3,580 3.08%
    $150k-250k 166 $52,220,000 $314,578 $3,140 2.99%
    $50k-75k 150 $29,220,000 $194,800 $3,057 3.17%
    $75k-100k 126 $29,410,000 $233,413 $3,035 3.02%
    $50k or less 103 $13,765,000 $133,641 $3,095 3.34%
    $250k+ 84 $38,670,000 $460,357 $3,531 3.10%

    Enterprise Bank & Trust lent most frequently to those with incomes in the $100k-150k range, with 179 originations. The second most popular income band? $150k-250k, with 166 originations.

    Applicant Debt to Income Ratio

    DTI Ratio Originations Total Value Average Loan Average Fees Average Rate
    20-30% 263 $68,345,000 $259,867 $3,094 3.04%
    <20% 175 $51,015,000 $291,514 $2,996 2.95%
    30-36% 149 $38,775,000 $260,235 $3,140 3.18%
    40% 31 $8,295,000 $267,581 $3,516 3.28%
    36% 28 $6,960,000 $248,571 $2,715 3.16%
    42% 26 $6,530,000 $251,154 $3,500 3.09%
    38% 25 $5,965,000 $238,600 $2,970 3.11%
    39% 24 $6,900,000 $287,500 $3,419 3.44%
    37% 20 $4,750,000 $237,500 $3,004 3.02%
    41% 18 $4,630,000 $257,222 $3,435 3.12%
    44% 17 $3,795,000 $223,235 $3,149 3.28%
    45% 16 $4,300,000 $268,750 $3,897 3.09%
    43% 15 $2,925,000 $195,000 $3,326 3.37%
    48% 14 $3,830,000 $273,571 $4,232 3.05%
    49% 12 $2,240,000 $186,667 $3,577 2.82%
    46% 11 $3,205,000 $291,364 $4,064 3.14%
    47% 7 $1,785,000 $255,000 $3,956 3.43%
    >60% 6 $1,790,000 $298,333 $3,462 3.08%
    50-60% 5 $1,205,000 $241,000 $7,552 2.98%

    Enterprise Bank & Trust lent most frequently to those with DTI ratios of 20-30%, with 263 originations. The next most common DTI ratio? <20%, with 175 originations.

    Ethnicity Mix

    Applicant Ethnicity Originations Total Value Average Loan Average Fees Average Rate
    White 784 $207,850,000 $265,115 $3,156 3.15%
    Not applicable 71 $36,325,000 $511,620 $0 4.50%
    Not provided 54 $14,410,000 $266,852 $3,190 2.97%
    Asian 22 $4,840,000 $220,000 $3,000 2.94%
    Black 26 $4,210,000 $161,923 $4,259 3.29%
    American Indian 2 $540,000 $270,000 $4,332 2.63%
    Native Hawaiian or Islander 1 $175,000 $175,000 $6,705 3.75%

    Approval Rates

    Total approvals of all applications
    92.98%

    Enterprise Bank & Trust has an average approval rate.

    Pick Rate

    Approvals leading to origination
    72.08%

    Enterprise Bank & Trust has a below average pick rate.

    Points and Fees

    Points Originations Total Value Average Loan
    NA 960 $268,350,000 $279,531

    Occupancy Type Mix

    Dwelling Type Originations Total Value Average Loan
    Multifamily:Site-Built 15 $23,595,000 $1,573,000
    Single Family (1-4 Units):Site-Built 945 $244,755,000 $259,000

    LTV Distribution

    Loan to Value Originations Total Value Average Loan Average Fees Average Rate
    20-40% 96 $20,220,000 $210,625 $2,875 3.18%
    40-60% 228 $58,340,000 $255,877 $2,971 3.10%
    60-80% 406 $135,530,000 $333,818 $3,015 3.32%
    80-100% 206 $50,780,000 $246,505 $3,901 3.21%
    Over 100% 2 $430,000 $215,000 $8,166 3.63%
    Under 20% 21 $2,755,000 $131,190 $2,433 3.51%

    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 $63,971
    Enterprise Bank & Trust 1052 South Kirkwood Road Kirkwood, MO 63122 Full Service B&M $69,125
    Enterprise Bank & Trust 10596 Highway 21 Hillsboro, MO 63050 Full Service B&M $96,936
    Enterprise Bank & Trust 110 North Clairborne Olathe, KS 66061 Full Service B&M $117,187
    Enterprise Bank & Trust 11401 Olive Boulevard Creve Coeur, MO 63141 Full Service B&M $330,859
    Enterprise Bank & Trust 11970 S Blackbob Rd Olathe, KS 66062 Full Service B&M $55,933
    Enterprise Bank & Trust 1200 Trinity Drive Los Alamos, NM 87544 Full Service B&M $618,288
    Enterprise Bank & Trust 12695 Metcalf Avenue Overland Park, KS 66213 Full Service B&M $552,580
    Enterprise Bank & Trust 1281 North Warson Road Saint Louis, MO 63132 Full Service B&M $1,372
    Enterprise Bank & Trust 13457 Tesson Ferry Road, Suite 10 Saint Louis, MO 63128 Limited, Mobile/Seasonal Office $1,743
    Enterprise Bank & Trust 14 North Jackson Street Perryville, MO 63775 Full Service B&M $57,685
    Enterprise Bank & Trust 14231 Manchester Road Manchester, MO 63011 Full Service B&M $59,029
    Enterprise Bank & Trust 150 North Meramec Clayton, MO 63105 Full Service B&M $1,956,491
    Enterprise Bank & Trust 151 South 18th Street, Suite T Kansas City, KS 66102 Full Service B&M $31,304
    Enterprise Bank & Trust 1737 Main Street Kansas City, MO 64108 Full Service B&M $105,841
    Enterprise Bank & Trust 175 North Parker Street Olathe, KS 66061 Full Service B&M $33,362
    Enterprise Bank & Trust 2009 Galisteo Street Santa Fe, NM 87505 Full Service B&M $213,487
    Enterprise Bank & Trust 2521 Brentwood Boulevard Brentwood, MO 63144 Full Service B&M $40,235
    Enterprise Bank & Trust 300 St. Peters Centre Boulevard St. Peters, MO 63376 Full Service B&M $533,537
    Enterprise Bank & Trust 301 Griffin Street Santa Fe, NM 87501 Full Service B&M $180,008
    Enterprise Bank & Trust 3674 Cerrillos Rd Santa Fe, NM 87507 Full Service B&M $50,454
    Enterprise Bank & Trust 3890 South Lindbergh Boulevard Sunset Hills, MO 63127 Full Service B&M $633,492
    Enterprise Bank & Trust 3900 E Camelback Rd Phoenix, AZ 85018 Full Service B&M $192,818
    Enterprise Bank & Trust 3944 Vogel Road Arnold, MO 63010 Full Service B&M $85,180
    Enterprise Bank & Trust 4100 Lindell Blvd Saint Louis, MO 63108 Full Service B&M $13,649
    Enterprise Bank & Trust 444 East Santa Fe Street Olathe, KS 66061 Full Service B&M $150,037
    Enterprise Bank & Trust 4675 Gravois Road House Springs, MO 63051 Full Service B&M $90,460
    Enterprise Bank & Trust 5721 South Lindbergh Boulevard Saint Louis, MO 63123 Full Service B&M $61,875
    Enterprise Bank & Trust 6725 Chippewa Saint Louis, MO 63109 Full Service B&M $41,807
    Enterprise Bank & Trust 680 South Mill Street Festus, MO 63028 Full Service B&M $92,345
    Enterprise Bank & Trust 7092 S. Outer 364 O Fallon, MO 63368 Limited, Mobile/Seasonal Office $1,583
    Enterprise Bank & Trust 7445 Pan American Freeway Ne Albuquerque, NM 87109 Full Service B&M $41,463
    Enterprise Bank & Trust 77 Rover Boulevard White Rock, NM 87544 Full Service B&M $18,103
    Enterprise Bank & Trust 8475 Local Hillsboro Road Cedar Hill, MO 63016 Full Service B&M $56,402
    Enterprise Bank & Trust 8698 East Raintree Drive, Suite 104 Scottsdale, AZ 85260 Full Service B&M $102,350
    Enterprise Bank & Trust State Road 21, 12941 State Road 21 De Soto, MO 63020 Full Service B&M $31,371

    For 2020, Enterprise Bank & Trust had 36 branches.

    Yearly Performance Overview

    Bank Income

    Item Value (in 000's)
    Total interest income $303,930
    Net interest income $279,810
    Total noninterest income $50,766
    Gross Fiduciary activities income $8,588
    Service charges on deposit accounts $11,559
    Trading account gains and fees $0
    Additional Noninterest Income $30,619
    Pre-tax net operating income $107,145
    Securities gains (or losses, -) $402
    Income before extraordinary items $86,606
    Discontinued Operations (Extraordinary gains, net) $0
    Net income of bank and minority interests $86,606
    Minority interest net income $0
    Net income $86,606
    Sale, conversion, retirement of capital stock, net $0
    Net operating income $86,280

    Enterprise Bank & Trust's gross interest income from loans was $303,930,000.
    Enterprise Bank & Trust's net interest income from loans was $279,810,000.
    Enterprise Bank & Trust's fee based income from loans was $11,559,000.
    Enterprise Bank & Trust's net income from loans was $86,606,000.

    Bank Expenses

    Item Value (in 000's)
    Total interest expense $24,120
    Provision for credit losses $65,398
    Total noninterest expense $158,033
    Salaries and employee benefits $91,851
    Premises and equipment expense $12,832
    Additional noninterest expense $53,350
    Applicable income taxes $20,941
    Net charge-offs $1,907
    Cash dividends $37,000

    Enterprise Bank & Trust's interest expense for loans was $24,120,000.
    Enterprise Bank & Trust's payroll and benefits expense were $91,851,000.
    Enterprise Bank & Trust's property, plant and equipment expenses $12,832,000.

    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 1.0%
    HELOC loans 0.0%
    All other family 1.0%
    Commercial & industrial loans 0.0%
    Personal loans 0.0%
    Credit card loans 0.5%
    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 $8,072,286
    Deposits held in domestic offices $8,072,286
    Deposits by Individuals, partnerships, and corporations $7,574,910
    Deposits by U.S. Government $0
    Deposits by States and political subdivisions in the U.S. $249,673
    Deposits by Commercial banks and other depository institutions in U.S. $247,703
    Deposits by Banks in foreign countries $0
    Deposits by Foreign governments and official institutions $0
    Transaction accounts $1,749,677
    Demand deposits $1,348,988
    Nontransaction accounts $6,322,609
    Money market deposit accounts (MMDAs) $2,327,067
    Other savings deposits (excluding MMDAs) $3,445,447
    Total time deposits $550,095
    Total time and savings deposits $6,723,298
    Noninterest-bearing deposits $2,795,008
    Interest-bearing deposits $5,277,278
    Retail deposits $7,529,462
    IRAs and Keogh plan accounts $65,900
    Brokered deposits $373,320
    Deposits held in foreign offices $0

    Assets

    Asset Value (in 000's)
    Total Assets $9,727,577
    Cash & Balances due from depository institutions $538,864
    Interest-bearing balances $439,104
    Total securities $1,400,187
    Federal funds sold & reverse repurchase $1,519
    Net loans and leases $7,101,828
    Loan and leases loss allowance $136,671
    Trading account assets $0
    Bank premises and fixed assets $50,987
    Other real estate owned $5,330
    Goodwill and other intangibles $289,372
    All other assets $339,490

    Liabilities

    Liabilities Value (in 000's)
    Total liabilities and capital $9,727,577
    Total Liabilities $8,526,834
    Total deposits $8,072,286
    Interest-bearing deposits $5,277,278
    Deposits held in domestic offices $8,072,286
    % insured (estimated) $58
    Federal funds purchased and repurchase agreements $271,081
    Trading liabilities $0
    Other borrowed funds $50,000
    Subordinated debt $0
    All other liabilities $133,467

    Issued Loan Types

    Type Value (in 000's)
    Net loans and leases $7,101,828
    Loan and leases loss allowance $136,671
    Total loans and leases (domestic) $7,238,499
    All real estate loans $3,967,256
    Real estate loans in domestic offices $3,967,256
    Construction and development loans $546,686
    Residential 1-4 family construction $65,891
    Other construction, all land development and other land $480,795
    Loans secured by nonfarm nonresidential properties $2,802,037
    Nonfarm nonresidential secured by owner-occupied properties $1,358,450
    Commercial real estate & other non-farm, non-residential $1,443,587
    Multifamily residential real estate $145,832
    1-4 family residential loans $332,743
    Farmland loans $139,958
    Loans held in foreign offices $0
    Farm loans $38,598
    Commercial and industrial loans $3,050,397
    To non-U.S. addressees $0
    Loans to individuals $71,789
    Credit card loans $4,482
    Related Plans $4,755
    Consumer Auto Loans $2,049
    Other loans to individuals $60,503
    All other loans & leases $110,459
    Loans to foreign governments and official institutions $0
    Other loans $81,456
    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 $3,559
    Non 1-4 family restructured loans & leases $3,482
    Total loans and leases (foreign) $0

    Enterprise Bank & Trust had $7,101,828,000 of loans outstanding in 2020. $3,967,256,000 of loans were in real estate loans. $546,686,000 of loans were in development loans. $145,832,000 of loans were in multifamily mortgage loans. $332,743,000 of loans were in 1-4 family mortgage loans. $38,598,000 of loans were in farm loans. $4,482,000 of loans were in credit card loans. $2,049,000 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 1,902 $648,424 $340,917
    Nonfarm, nonresidential loans - <$100k 124 $6,081 $49,040
    Nonfarm, nonresidential loans - $100-250k 403 $58,196 $144,407
    Nonfarm, nonresidential loans - $250k-1MM 1,375 $584,147 $424,834
    Commercial & Industrial, US addressed loans - <$1MM 6,305 $670,929 $106,412
    Commercial & Industrial, US addressed loans - <$100k 4,393 $123,689 $28,156
    Commercial & Industrial, US addressed loans - $100-250k 1,006 $149,121 $148,232
    Commercial & Industrial, US addressed loans - $250k-1MM 906 $398,119 $439,425
    Farmland loans - <$1MM 70 $12,459 $177,986
    Farmland loans - <$100k 22 $931 $42,318
    Farmland loans - $100-250k 19 $3,100 $163,158
    Farmland loans - $250k-1MM 29 $8,428 $290,621
    Agriculture operations loans - <$1MM 21 $3,354 $159,714
    Agriculture operations loans - <$100k 3 $100 $33,333
    Agriculture operations loans - $100-250k 9 $1,126 $125,111
    Agriculture operations loans - $250k-1MM 9 $2,128 $236,444