# ENTERPRISE BANK OF SC
EHRHARDT, SC · FDIC certificate 11539 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 2 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $535.1M | |
| Deposits | $472.2M | |
| Loans and leases | $293.9M | |
| Total equity | $48.7M | |
| Loans / deposits | 61.79% (p15 of band) | 82.04% |
| Liquid assets / assets | 38.77% (p81 of band) | |
| Uninsured deposits / deposits | 22.91% (p40 of band) | 25.97% |
| Brokered deposits | 0.00% | |
| Wholesale funding | 0.00% (p11 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 9.26% (p17 of band) | 10.81% |
| Unrealized securities loss / equity | -8.82% (p47 of band) | -8.10% |
| AOCI / equity | 7.34% (p100 of band) | |
| ROA (annualized) | 6.21% (p100 of band) | 1.28% |
| Net interest margin | 3.81% (p44 of band) | 3.91% |
| Efficiency ratio | 36.69% (p3 of band) | |
| Noncurrent loans | 3.64% (p96 of band) | 0.43% |
| Net charge-offs (annualized) | 0.06% (p79 of band) | |
| Reserve coverage of noncurrent | 19.51% | |
| Real estate % of loans | 87% | |
| Construction % of loans | 44.68% (p51 of band) | |
| Auto loans | $3.4M (1.15% of loans; DQ 0.00%, NCO 0.01%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 0.8% | |
| Employees | 97 | |

## Flags firing in the latest filing

- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | noncurrent p90, reserve under noncurrent |  |
| 2011-06 | 4 | losing money, expense ratio p90 |  |
| 2011-09 | 5 | charge-offs p90 |  |
| 2011-12 | 5 |  |  |
| 2012-03 | 5 | capital falling, assets shrinking | expense ratio p90, charge-offs p90 |
| 2012-06 | 5 | charge-offs p90 | assets shrinking |
| 2012-09 | 6 | assets shrinking |  |
| 2012-12 | 11 | leverage <7%, leverage <5%, expense ratio p90, construction >100% equity |  |
| 2013-03 | 7 |  | losing money, capital falling, charge-offs p90, expense ratio p90 |
| 2013-06 | 10 | AOCI drag >20% of equity, losing money, expense ratio p90 |  |
| 2013-09 | 13 | capital falling, securities losses >30% of equity, charge-offs p90 |  |
| 2013-12 | 11 | deposits shrinking | construction >100% equity, AOCI drag >20% of equity, securities losses >30% of equity |
| 2014-03 | 12 | securities losses >30% of equity, construction >100% equity, uninsured deposits leaving | capital falling, charge-offs p90 |
| 2014-06 | 9 | charge-offs p90 | losing money, expense ratio p90, securities losses >30% of equity, construction >100% equity |
| 2014-09 | 8 |  | uninsured deposits leaving |
| 2014-12 | 9 | expense ratio p90, construction >100% equity | assets shrinking |
| 2015-03 | 10 | assets shrinking |  |
| 2015-06 | 9 |  | expense ratio p90 |
| 2015-09 | 8 | expense ratio p90 | deposits shrinking, assets shrinking |
| 2015-12 | 9 | capital falling |  |
| 2016-03 | 6 |  | reserve under noncurrent, expense ratio p90, capital falling |
| 2016-06 | 6 |  |  |
| 2016-09 | 6 | expense ratio p90 | charge-offs p90 |
| 2016-12 | 5 |  | noncurrent p90 |
| 2017-03 | 5 |  |  |
| 2017-06 | 3 | noncurrent p90, reserve under noncurrent | leverage <5%, construction >100% equity, expense ratio p90 |
| 2017-09 | 4 | expense ratio p90 |  |
| 2017-12 | 3 |  | expense ratio p90 |
| 2018-03 | 3 |  |  |
| 2018-06 | 3 |  |  |
| 2018-09 | 2 |  | leverage <7% |
| 2018-12 | 2 |  |  |
| 2019-03 | 2 |  |  |
| 2019-06 | 2 |  |  |
| 2019-09 | 2 |  |  |
| 2019-12 | 2 |  |  |
| 2020-03 | 3 | expense ratio p90 |  |
| 2020-06 | 3 | capital falling | expense ratio p90 |
| 2020-09 | 3 |  |  |
| 2020-12 | 2 |  | capital falling |
| 2021-03 | 3 | expense ratio p90 |  |
| 2021-06 | 1 | capital falling | noncurrent p90, reserve under noncurrent, expense ratio p90 |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 5 | leverage <7%, AOCI drag >20% of equity, securities losses >30% of equity, losing money, expense ratio p90 |  |
| 2022-06 | 6 | construction >100% equity |  |
| 2022-09 | 6 |  |  |
| 2022-12 | 6 |  |  |
| 2023-03 | 4 | charge-offs p90 | AOCI drag >20% of equity, losing money, expense ratio p90 |
| 2023-06 | 5 | noncurrent p90, reserve under noncurrent | charge-offs p90 |
| 2023-09 | 7 | losing money, charge-offs p90 |  |
| 2023-12 | 6 |  | losing money |
| 2024-03 | 4 |  | construction >100% equity, charge-offs p90 |
| 2024-06 | 5 | charge-offs p90 |  |
| 2024-09 | 3 | uninsured deposits leaving | leverage <7%, securities losses >30% of equity, charge-offs p90 |
| 2024-12 | 4 | leverage <7%, securities losses >30% of equity | uninsured deposits leaving |
| 2025-03 | 5 | capital falling, charge-offs p90 | securities losses >30% of equity |
| 2025-06 | 4 |  | capital falling |
| 2025-09 | 2 |  | leverage <7%, charge-offs p90 |
| 2025-12 | 3 | charge-offs p90 |  |
| 2026-03 | 2 |  | charge-offs p90 |
| 2026-06 | 2 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-10 [Colleton Branch of the NAACP celebrates 39th annual Freedom Fund banquet - Walterboro Live](https://news.google.com/rss/articles/CBMitAFBVV95cUxNODVaajBXdE1TcWh3c1lRV2ZJOGMzQkU0ZF9yVGJJZ1BPOTY3ZFBQeTF3c2hycjVLcElhVEdNR1k2QmxvR2pVWWUwZTRDcmEtWTIwaTgyU01LUW5MdmU3dDJ6eUZPc25KbW1zM3NnOVpMMEhkR25CZGdRSVdJRnFmQ3J0cmdZUFdOUW9iTEpjbEEzMzBDUHFFdHppZV9XRmxSRHgtdU5LMVJoMWM1cG9sTC1leGw?oc=5) · Walterboro Live
- 2024-10-08 [Mount Pleasant "Fright Night" attraction must be thrilled to be included as a "Top Haunt" - Post and Courier](https://news.google.com/rss/articles/CBMi7AFBVV95cUxOQldnTkJ6VGNLVmt2LU01MVQ1MDYtRVdwZ0FFcFVsTzNHOEZhaUs0MXU1RGRoTXJ5dUwzanNFRGdzUy04WVpCWWx3Vk1UblF6Z25ZTXNXUjhWS2FiLWg1Vk42YkQwbHlIai05cmJjTTBHcGE0VnNJQlpnMWh6a3Q5Q1I5LTNTaDl3ZEo2cHpWdjFUaEkzVjEwQXU5TURRTkN5LW9jMnlmOHloVkctRzF1NUI2YTROT3RQZTZRUWJfVnpoWnlpUTlyT3BQRmxEcld2SzA0QmJMSmxsZ05Lc2tjYjZtcWpiV1cxNGtrWg?oc=5) · Post and Courier
- 2021-10-29 [Boris Hurlbutt Obituary (2009) - Charleston, SC - Post and Courier](https://news.google.com/rss/articles/CBMinwFBVV95cUxPN204NHpjMlVubmZTbk9oaGRGQjY4RmEyVG1nYjEzOU56NE9WUlVvZjFqUy1QVHBqN1JiWkhBbGQ1NTBmeXJQcmVqY0MtTjYwU3doRmNVanZuOF9LZjVOU1lJX2hrZVNkRTdvTWEyMWdfTnMzam90cUlURU13QVJBZm5kVUN5M2lEQXhHSTlSeld5OGZGdVVoVzFOTklXdW8?oc=5) · Post and Courier

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=11539 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/19.json (key "11539", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide