# ENTERPRISE BANK
OMAHA, NE · FDIC certificate 33380 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *funding-stretched*. 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 | $574.0M | |
| Deposits | $458.0M | |
| Loans and leases | $478.4M | |
| Total equity | $64.2M | |
| Loans / deposits | 103.27% (p93 of band) | 82.04% |
| Liquid assets / assets | 14.53% (p15 of band) | |
| Uninsured deposits / deposits | 34.12% (p77 of band) | 25.97% |
| Brokered deposits | 0.70% | |
| Wholesale funding | 8.07% (p71 of band) | |
| FHLB advances / assets | 6.27% | |
| Tier 1 leverage | 11.15% (p57 of band) | 10.81% |
| Unrealized securities loss / equity | -1.93% (p80 of band) | -8.10% |
| AOCI / equity | -0.19% (p59 of band) | |
| ROA (annualized) | 0.94% (p29 of band) | 1.28% |
| Net interest margin | 3.04% (p11 of band) | 3.91% |
| Efficiency ratio | 58.38% (p41 of band) | |
| Noncurrent loans | 0.00% (p4 of band) | 0.43% |
| Net charge-offs (annualized) | 0.00% (p29 of band) | |
| Reserve coverage of noncurrent | – | |
| Real estate % of loans | 84% | |
| Construction % of loans | 79.63% (p77 of band) | |
| Auto loans | $148,000 (0.03% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 8.4% | |
| Employees | 38 | |

## Flags firing in the latest filing

- **loans exceed deposits** (`liq_ltd`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 3 | noncurrent p90, charge-offs p90, reserve under noncurrent |  |
| 2011-06 | 2 |  | noncurrent p90 |
| 2011-09 | 3 | losing money |  |
| 2011-12 | 3 |  |  |
| 2012-03 | 4 | capital falling, uninsured deposits leaving | losing money |
| 2012-06 | 1 |  | charge-offs p90, capital falling, uninsured deposits leaving |
| 2012-09 | 1 |  |  |
| 2012-12 | 1 |  |  |
| 2013-03 | 1 | capital falling | reserve under noncurrent |
| 2013-06 | 1 |  |  |
| 2013-09 | 0 |  | capital falling |
| 2013-12 | 0 |  |  |
| 2014-03 | 1 | capital falling |  |
| 2014-06 | 1 |  |  |
| 2014-09 | 0 |  | capital falling |
| 2014-12 | 0 |  |  |
| 2015-03 | 1 | capital falling |  |
| 2015-06 | 0 |  | capital falling |
| 2015-09 | 0 |  |  |
| 2015-12 | 0 |  |  |
| 2016-03 | 1 | uninsured deposits leaving |  |
| 2016-06 | 0 |  | uninsured deposits leaving |
| 2016-09 | 0 |  |  |
| 2016-12 | 1 | capital falling |  |
| 2017-03 | 0 |  | capital falling |
| 2017-06 | 0 |  |  |
| 2017-09 | 2 | brokered >10%, liquid assets <10% |  |
| 2017-12 | 0 |  | brokered >10%, liquid assets <10% |
| 2018-03 | 0 |  |  |
| 2018-06 | 0 |  |  |
| 2018-09 | 0 |  |  |
| 2018-12 | 0 |  |  |
| 2019-03 | 0 |  |  |
| 2019-06 | 1 | capital falling |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 0 |  | capital falling |
| 2020-03 | 0 |  |  |
| 2020-06 | 2 | brokered >10%, capital falling |  |
| 2020-09 | 2 |  |  |
| 2020-12 | 0 |  | brokered >10%, capital falling |
| 2021-03 | 0 |  |  |
| 2021-06 | 1 | capital falling |  |
| 2021-09 | 0 |  | capital falling |
| 2021-12 | 0 |  |  |
| 2022-03 | 1 | NIM <2.5% |  |
| 2022-06 | 1 | deposits shrinking | NIM <2.5% |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 | brokered >10% | deposits shrinking |
| 2023-03 | 3 | loans exceed deposits, construction >100% equity, deposits shrinking | brokered >10% |
| 2023-06 | 2 |  | deposits shrinking |
| 2023-09 | 4 | wholesale funding >15%, capital falling |  |
| 2023-12 | 4 |  |  |
| 2024-03 | 3 | NIM <2.5% | construction >100% equity, wholesale funding >15% |
| 2024-06 | 2 |  | capital falling |
| 2024-09 | 2 |  |  |
| 2024-12 | 2 |  |  |
| 2025-03 | 1 |  | NIM <2.5% |
| 2025-06 | 2 | construction >100% equity |  |
| 2025-09 | 1 |  | construction >100% equity |
| 2025-12 | 0 |  | loans exceed deposits |
| 2026-03 | 1 | capital falling |  |
| 2026-06 | 1 | loans exceed deposits | capital falling |

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

- 2025-10-16 [Enterprise Bank & Trust completes Arizona branch acquisition deal - The Business Journals](https://news.google.com/rss/articles/CBMinAFBVV95cUxQWUZaVjlJMXZCaExpaTJrYkZVaEhEdjE0THpPN1I5WXNHVGlZOXZwWUc0X1dPSkpBWmpmNm5hRXUzQy1FSlZraENIQTZlanlPSW9LQ0NLR2h4M3FVOTFPdW5pb0NKSlFRM29vSm1wdDQ2NnhVR0RUcW04Z25RRzAtejNuN2V6TFNPbUhJTnEzQkxVejZLN0RvRk42VWQ?oc=5) · The Business Journals
- 2025-04-28 [Enterprise Bank & Trust to Expand in Arizona and Kansas through Acquisition of Twelve Banking Offices from First Interstate Bank - Business Wire](https://news.google.com/rss/articles/CBMikAJBVV95cUxOYVVJOC1LOUxkS2hvMjUyblBBem1OUXVpdy0xdVJ2a2hfbFZRcmVqSW5mUEFWSnpUZUp0MGQxb18wWXJrbjhiMnd6OWRMT2JodW12NUtqY2tGOFJvaXVrSXRMbzl4V3U2MktoazdqVU4xYVR4dW1tWFR3VHhFUXBHRXZ0aERBWUtSVmtSclYtWWFlNmFlamJyVms5eFlBZ0FSdmp5UHBmbEJURkR3TTBEeHZuNUw4NFA3Wlo0ZS16N1A4VldxRzJIaGFqem9tdDZwLW5QQzBtckJEU0VCeUxUcU9kOWJUM3FHRWVfZTlCLWZfQi1JNEZHX0JMMHFtSkU5dVlJb0lwQ0RkazVvdkViTQ?oc=5) · Business Wire
- 2025-01-16 [Enterprise Bank & Trust’s Liddie Martinez Of Los Alamos Named Among 2025 Women Of Influence In New Mexico - ladailypost.com](https://news.google.com/rss/articles/CBMi0wFBVV95cUxOa21wckE4Smg0QWhlRHdqenYtSWRDMGI1NlpQbEx3VXpQN1VLc2lWZVlwRTd0R1U2NVRmUXJBZkE0UTQ1ajR4eVpfTGRkQnhxSFV2a1ZidFVyV1pxNm5tdDVTSENFaXBCRE1XY3RtbDhwUUtaZjlJRnlQNEltTnJlZ1lTbmI5WDRkVWZ2VGVLOGp1Ym1obUw0cWUyUExNVGZiTS1XbFB3NzVjZTRBZmQ4SjltWGpTNy1BY0xzaVFaeF9tVThoOGYtUUhDcVpFbEpROGRN?oc=5) · ladailypost.com
- 2026-03-26 [Reading Cooperative Bank Welcomes Jesús Suriel as VP, Community Banking & Development Officer - The Reading Post](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPd1F5WnpGQWJsTGpYTUEyNGlvODQwdXh4ajI3LXI2QzRINjZTRlp4U055M0l1ekpnaUlQN1djYmZ0S01aU0hYd0RMVUNXZ3lkelAxQ2VKUHRfbDNCVG0zLWlGZ0lJTnV4RldoTUlmZXpBX1hQUWhaMGtuSnduSjBCeG9VZkNyT1hXSVc5ZXFMMlBVZFQ0NTN2VmlXSE9LamNkbU5NdW90UG1UNGdzR1FSRGp1dHNZbzVidDdkRk1yNmswREt0OU1aMg?oc=5) · The Reading Post
- 2020-11-12 [Anchorum St. Vincent, Enterprise Bank pledge $10M to benefit Homewise - Santa Fe New Mexican](https://news.google.com/rss/articles/CBMi-gFBVV95cUxPMHZETFBxcHNQN3R4dXVlR2ptZTZEQVNiaUMtSmZhZ0V6MDROdWZPNFl3S2dlcHRkeXNaQ0tycVdXejJkd2tPOFNhdGJmNE5xczFySHAxVXBkUTFuZndDbGFheWthMVRmMDQ5UkdJWWVVV3VxY1NFQ2ktVFRYaVJMZHNJcHBwTEd3QlBrQmhvYlRnS2V1bU9TT1pZLWhnUk1WYzNTOWZ5RXJ4a1NhMnktRk9OdHp5QTVyNmNCSjdkWEgxTUJIXzlYbXlldEEzMmE1ck5wQmFyYWwtcGxVZmZQNHpGV3ZWcDFSYzN2RF9BRmt6QzNnaXZQN29R?oc=5) · Santa Fe New Mexican
- 2024-04-10 [Enterprise Bank & Trust opens new executive office in Mission - The Business Journals](https://news.google.com/rss/articles/CBMiqwFBVV95cUxQOEx6SjFrdkJXbmJ4bzY4VnJ6WGZiSUIwZEJ2Nk9BZ0cybUFXeWZubmI3Y0g5UkVXN3hOc3NQZFhraGNPMmdfV3pJLUtFdUMtX1lMdUR2VzBIWnBsSlF1Z0tQUHFZODR6WXBLeVczd2RwRW1ib2NkZmFKelN5MTZDbDNHNjBsWE82NHpJVm1HV0tzMmo2RjZWMmdBc3JTd0JXVmZESy0xdzdmdFk?oc=5) · The Business Journals
- 2024-10-05 [It’s back! Enterprise Bank raises money for Sun Santa with 24th annual Baked Potato Feast - Lowell Sun](https://news.google.com/rss/articles/CBMiwwFBVV95cUxOeW94ME81Rml6Ty1EMVpDUXhfdXdBM2RXbVdqcHg2TjBJT0NSdjRncFV0U2k1b2RTLVhTTHlteEc3YkhoRjBmeHZQRG9jWDRQdm5mV2VHZF9rVHZOSlFacGhCeTExcW9RZzZYZ2w0dmtyNFNSTGZZQnZ6N1dpbzlZS3VWUWIxWUxVcC1jZGtDLVhjQ2JMY3k3T0NvMlpMc2xQR2hUMm0xRnpfa2hkaUR5RUxXeUNEMEVjeEtadTE1SlFfZDQ?oc=5) · Lowell Sun
- 2026-07-06 [High Court recognises Namibia bank liquidation, clears path to recover Zimbabwe assets - NewZimbabwe.com](https://news.google.com/rss/articles/CBMitAFBVV95cUxOUTdBUmlJVXVGZUg3ZDZVZk53RGE1Rm11ZjRJMnNuenFMU0FMZTlvOVJwXzNXcWtiZ1JUUmVITWJCeXI3RTgtRnZKQWN0dTIyU2JWdmNnQzEzZEQ3NkNoY0RJYlNqNmhlSlVKZmVEdERHdWJ4eHJsbm5RTFkzdTZlUTBmYm5JRDdiX3hjSnk5Tm5OYUw4TW5HTUdsSm1PX25ia04weXpYQzJySDlFdWkyX2xvZVM?oc=5) · NewZimbabwe.com

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=33380 (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/36.json (key "33380", 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