# ENTERPRISE BANK
HOUSTON, TX · FDIC certificate 3326 · asset band $300M-1B · latest filing 2014-12 · stopped filing (departed)

**Verdict on the desk:** this could be *ordinary*. Composite score 1 (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 | $570.1M | |
| Deposits | $490.5M | |
| Loans and leases | $410.1M | |
| Total equity | $78.3M | |
| Loans / deposits | 82.67% (p53 of band) | 80.75% |
| Liquid assets / assets | 21.44% (p36 of band) | |
| Uninsured deposits / deposits | 34.57% (p86 of band) | 19.51% |
| Brokered deposits | 0.36% | |
| Wholesale funding | 0.36% (p15 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.68% (p62 of band) | 10.04% |
| Unrealized securities loss / equity | -0.75% (p12 of band) | 1.00% |
| AOCI / equity | 0.00% (p12 of band) | |
| ROA (annualized) | 0.93% (p53 of band) | 0.89% |
| Net interest margin | 4.56% (p92 of band) | 3.63% |
| Efficiency ratio | 66.22% (p41 of band) | |
| Noncurrent loans | 0.53% (p33 of band) | 0.89% |
| Net charge-offs (annualized) | 0.08% (p54 of band) | |
| Reserve coverage of noncurrent | 209.19% | |
| Real estate % of loans | 75% | |
| Construction % of loans | 60.55% (p72 of band) | |
| Auto loans | $2.1M (0.52% of loans; DQ 6.94%, NCO 0.00%) | |
| Loans to nondepository financials | $16.1M (21% of equity) (p98 of band) | |
| Deposits YoY | 14.0% | |
| Employees | 111 | |

## Flags firing in the latest filing

- **capital falling** (`cap_falling`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 0 |  |  |
| 2011-06 | 0 |  |  |
| 2011-09 | 0 |  |  |
| 2011-12 | 1 | capital falling |  |
| 2012-03 | 0 |  | capital falling |
| 2012-06 | 0 |  |  |
| 2012-09 | 0 |  |  |
| 2012-12 | 0 |  |  |
| 2013-03 | 2 | deposits shrinking, assets shrinking |  |
| 2013-06 | 0 |  | deposits shrinking, assets shrinking |
| 2013-09 | 0 |  |  |
| 2013-12 | 1 | deposits shrinking |  |
| 2014-03 | 0 |  | deposits shrinking |
| 2014-06 | 0 |  |  |
| 2014-09 | 1 | capital falling |  |
| 2014-12 | 1 |  |  |

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

- 2022-04-20 [Enterprise Bank taps DFW banking veteran to pilot Texas growth - The Business Journals](https://news.google.com/rss/articles/CBMimAFBVV95cUxObWlCbTBCSFJTX3kzUG8ydG0xbG9uNWF5UGJxOU9hX3pOWnZtRG9mWkJjZ2NUOWNlUWstTk45czB6VG9ISWR0OUUxWk1fVEtDdWh5aWRUSWJlaVgySlNJVlJnOUE3YWdObWlCaUJFMGpLOFNZa3VEOTZ5MUNTdDhxVGFkSE5abUpGYVU1M1BQeWJrV0tOOVNFVw?oc=5) · The Business Journals
- 2024-07-23 [Enterprise Bank & Trust Review - businessinsider.com](https://news.google.com/rss/articles/CBMikwFBVV95cUxNRllSWDYwc0RUR2xBWmlTWEhOdDYwZzh1YlFWM3VvUjdVWm55eW9SNWdEWlFPZDJZSHpXQ1JLVzVqdmw3RVNwREhfQUY4MnVLMk9qODRfQV9oSGszY212UEVwUzY3VzdXNHBXUFNOUnp5UDhYM2JzZnVQY05ZREd4TFhMa3BNZzN4cUJEV1JNZ3Q5R0U?oc=5) · businessinsider.com
- 2024-06-10 [Enterprise Bank Appoints New CEO - National Mortgage Professional](https://news.google.com/rss/articles/CBMihAFBVV95cUxQWi1xU3NIUWZ4SHljLWFxVHJuV1liZGtFbEZRUDlxaEJfeVlYYTh1RTZMRk1YWm1qVmhyUENLWktRdmhXWU1NcGV0SzdTeGw5dkc1cl9EUElCRndLd1lnYTc4TUFVX3VOSmE2ako3bHlHWUNqTDhWSUFPTUdHWEcxbkllejE?oc=5) · National Mortgage Professional
- 2024-12-09 [Massachusetts banks to combine in $562M deal - Banking Dive](https://news.google.com/rss/articles/CBMipAFBVV95cUxPMGRTcy1aYXZiVTltelItUGM3cTgtZk5jcDlXZC1QVUpPbEY0M0xvUnJ3U2p4LW1TS0FybldKekktS1RBLVRxYk9Kbk9QVjNaaDljNjdUWEhWM3pMdkc0eVQ1a3J4T3c5R21aUk5nS1BvczQtSi05Q2JIYk1fQjhub1ZuU0pCU1BLZXhTbUhtMzUwbVVPQWowYXJheUZRMzlsWjQtUA?oc=5) · Banking Dive
- 2026-02-12 [Straw-Owner, Diversion Enterprise Shut Down in OK - CRB Monitor News](https://news.google.com/rss/articles/CBMijgFBVV95cUxNTGJ6X1dNbXJ6NzlOUUw5cGUyZTc5OXlGeE81cnR6SGpqbWdlcnFja19WQV9wZE1TdHRyTmVEd3huYmdacG1CbTJESVhpSDZHTERQX0hCUDZTU2pwYTlYUjJYMFRhSWc2WlFpN2JjXzJLNWdlLWxoNW1KNnY1eEVTbWlNUXB4YjZQWWQxRDdB?oc=5) · CRB Monitor News
- 2024-08-18 [Scenes Of Enterprise Bank & Trust Client Appreciation Event - ladailypost.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxONVducFhVejY0dW10aDNjQXFXaTNYZGthYnowaVZyWGJuOG1laC1lMy15RVM1TGdIRWVHWE1kUThiN3o1MlMtbW1ZUVdFTDVYS0dpWm15TUFNempYOUVFNXNvQ2hXWmJaVHk0djdCX0NtTW9lZjYwUWp5UkpHQ3VtUkxycWRwMWZfcmc?oc=5) · ladailypost.com
- 2021-04-26 [Enterprise Financial Services Corp to Acquire First Choice Bancorp - Business Wire](https://news.google.com/rss/articles/CBMiwAFBVV95cUxQVXRhNW1kVzd3MzlPUnVsLW5lYkUtaTlUWFBYUHdxSFVOOE1nYS1pcjRYRTRKZVp1bDdNa2lGZXppcHB1MTZSa2hrU0Y5VlpWU1VHYlhlS2NNM19IVUVRNzRYa05NLS1YbWhlc3pwdFpfdkRSNk1tRHRxZFpxNFN0djRpbXctQ3BFNzZmVHFsR2dEOF8zQzVfNjg1a2h4VmZBTEFMZ3BMUlZzSHZLeHVLNENTblBOQm9WTXBfVXdEbEY?oc=5) · Business Wire
- 2025-06-06 [Corum named Capital City Bank president; Enterprise merger - American Banker](https://news.google.com/rss/articles/CBMijwFBVV95cUxQZ01uUzlIU3JKLWdZaW5vU1gzakotdFBTYnRuWjlRb0RVSHl1YUYxc2lwQkowcDhMTl9hUVRuY3haX3RKQkpTQm0yeXI5dE9SSTBCSnQySkxxUnBweV9CcEJiOGpjNVpWX241c000Q25ZVE1BNmdmeUZ2Vk4tWDhJb1I1MFBwZlVWZkxQQ2Jxcw?oc=5) · American Banker

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=3326 (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/62.json (key "3326", 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.

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