# ENTERPRISE BANK
ALLISON PARK, PA · FDIC certificate 34786 · asset band $300M-1B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 5 (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 | $524.6M | |
| Deposits | $415.7M | |
| Loans and leases | $359.4M | |
| Total equity | $42.0M | |
| Loans / deposits | 86.19% (p62 of band) | 82.04% |
| Liquid assets / assets | 25.55% (p52 of band) | |
| Uninsured deposits / deposits | 36.48% (p82 of band) | 25.97% |
| Brokered deposits | 32.73% | |
| Wholesale funding | 45.02% (p99 of band) | |
| FHLB advances / assets | 12.29% | |
| Tier 1 leverage | 8.15% (p3 of band) | 10.81% |
| Unrealized securities loss / equity | 0.00% (p98 of band) | -8.10% |
| AOCI / equity | 0.00% (p77 of band) | |
| ROA (annualized) | 0.78% (p20 of band) | 1.28% |
| Net interest margin | 3.12% (p13 of band) | 3.91% |
| Efficiency ratio | 73.95% (p81 of band) | |
| Noncurrent loans | 6.18% (p99 of band) | 0.43% |
| Net charge-offs (annualized) | -0.01% (p6 of band) | |
| Reserve coverage of noncurrent | 5.13% | |
| Real estate % of loans | 91% | |
| Construction % of loans | 114.55% (p91 of band) | |
| Auto loans | $4,000 (0.00% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p45 of band) | |
| Deposits YoY | 9.2% | |
| Employees | 70 | |

## Flags firing in the latest filing

- **brokered >10%** (`liq_brokered`)
- **wholesale funding >15%** (`liq_wholesale`)
- **noncurrent p90** (`aq_noncurrent`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | brokered >10%, wholesale funding >15%, liquid assets <10%, reserve under noncurrent |  |
| 2011-06 | 4 |  |  |
| 2011-09 | 4 |  |  |
| 2011-12 | 4 | construction >100% equity | liquid assets <10% |
| 2012-03 | 4 | capital falling | construction >100% equity |
| 2012-06 | 4 |  |  |
| 2012-09 | 7 | liquid assets <10%, losing money, construction >100% equity |  |
| 2012-12 | 5 |  | losing money, construction >100% equity |
| 2013-03 | 5 | noncurrent p90 | liquid assets <10% |
| 2013-06 | 6 | liquid assets <10%, construction >100% equity | capital falling |
| 2013-09 | 3 |  | noncurrent p90, liquid assets <10%, construction >100% equity |
| 2013-12 | 5 | liquid assets <10%, noncurrent p90 |  |
| 2014-03 | 6 | uninsured deposits leaving |  |
| 2014-06 | 5 |  | uninsured deposits leaving |
| 2014-09 | 6 | capital falling |  |
| 2014-12 | 4 |  | liquid assets <10%, capital falling |
| 2015-03 | 6 | liquid assets <10%, deposits shrinking |  |
| 2015-06 | 7 | assets shrinking |  |
| 2015-09 | 8 | loans exceed deposits |  |
| 2015-12 | 7 |  | assets shrinking |
| 2016-03 | 6 |  | deposits shrinking |
| 2016-06 | 6 |  |  |
| 2016-09 | 6 |  |  |
| 2016-12 | 6 |  |  |
| 2017-03 | 6 |  |  |
| 2017-06 | 7 | deposits shrinking |  |
| 2017-09 | 7 |  |  |
| 2017-12 | 5 |  | liquid assets <10%, deposits shrinking |
| 2018-03 | 8 | liquid assets <10%, expense ratio p90, charge-offs p90 |  |
| 2018-06 | 6 |  | expense ratio p90, charge-offs p90 |
| 2018-09 | 6 |  |  |
| 2018-12 | 6 |  |  |
| 2019-03 | 7 | capital falling |  |
| 2019-06 | 6 |  | liquid assets <10% |
| 2019-09 | 7 | expense ratio p90 |  |
| 2019-12 | 7 | liquid assets <10% | capital falling |
| 2020-03 | 5 |  | expense ratio p90, liquid assets <10% |
| 2020-06 | 6 | capital falling |  |
| 2020-09 | 6 |  |  |
| 2020-12 | 5 |  | capital falling |
| 2021-03 | 5 |  |  |
| 2021-06 | 7 | charge-offs p90, assets shrinking |  |
| 2021-09 | 6 |  | charge-offs p90 |
| 2021-12 | 5 |  | assets shrinking |
| 2022-03 | 5 |  |  |
| 2022-06 | 5 |  |  |
| 2022-09 | 4 |  | loans exceed deposits |
| 2022-12 | 5 | loans exceed deposits |  |
| 2023-03 | 5 |  |  |
| 2023-06 | 5 |  |  |
| 2023-09 | 8 | capital falling, deposits shrinking, uninsured deposits leaving |  |
| 2023-12 | 5 |  | capital falling, deposits shrinking, uninsured deposits leaving |
| 2024-03 | 5 |  |  |
| 2024-06 | 4 |  | loans exceed deposits |
| 2024-09 | 4 |  |  |
| 2024-12 | 4 |  |  |
| 2025-03 | 4 |  |  |
| 2025-06 | 4 |  |  |
| 2025-09 | 4 |  |  |
| 2025-12 | 5 | capital falling |  |
| 2026-03 | 5 | construction >100% equity | capital falling |
| 2026-06 | 5 |  |  |

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

- 2026-07-14 [Former BNY, Huntington execs and law firm partner file to launch startup bank in Pittsburgh - The Business Journals](https://news.google.com/rss/articles/CBMiigFBVV95cUxOMnZRLUVtSFVKc3hQUC1URC1iU1c0eXdPdjJJclcyenFVcTFHdUhRZ0dhaldMREtEX1JjOFczYW80TlRYaXk3Z1E3eUZJZzlqbnNPRy1URW9uZTNtQzRrSWlWNEhhYXNsTEZWM3lXcFdaSjRSZzdJRlNudEo0dzJiVWc4M2hLY0VnN0E?oc=5) · The Business Journals
- 2024-12-09 [Massachusetts banks to combine in $562M deal - Banking Dive](https://news.google.com/rss/articles/CBMipAFBVV95cUxPMGRTcy1aYXZiVTltelItUGM3cTgtZk5jcDlXZC1QVUpPbEY0M0xvUnJ3U2p4LW1TS0FybldKekktS1RBLVRxYk9Kbk9QVjNaaDljNjdUWEhWM3pMdkc0eVQ1a3J4T3c5R21aUk5nS1BvczQtSi05Q2JIYk1fQjhub1ZuU0pCU1BLZXhTbUhtMzUwbVVPQWowYXJheUZRMzlsWjQtUA?oc=5) · Banking Dive
- 2026-01-30 [The Best Savings Accounts in Pennsylvania for 2026 - moneyrates.com](https://news.google.com/rss/articles/CBMifkFVX3lxTE5pM0dKYTlnQWcwQXVDdl9RQ2hJOFV2OTlQdDdKWWoza0dYaUFxNG56OEZab05IdVlHbHBnX1l4a1ZpUl9HUTVTa0FjV3hyclBYNklhbjRWaHVBT0tfRDUxTDd0bXRMUWJTR3VoU0puX1ZvdllLS0hsWnN3NG1XQQ?oc=5) · moneyrates.com
- 2025-06-06 [Corum named Capital City Bank president; Enterprise merger - American Banker](https://news.google.com/rss/articles/CBMijwFBVV95cUxQZ01uUzlIU3JKLWdZaW5vU1gzakotdFBTYnRuWjlRb0RVSHl1YUYxc2lwQkowcDhMTl9hUVRuY3haX3RKQkpTQm0yeXI5dE9SSTBCSnQySkxxUnBweV9CcEJiOGpjNVpWX241c000Q25ZVE1BNmdmeUZ2Vk4tWDhJb1I1MFBwZlVWZkxQQ2Jxcw?oc=5) · American Banker
- 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
- 2013-11-01 [FDIC terminates consent order for OKC bank - journalrecord.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQSzRyOU9QTDUyRlRwYXJ5MzhrLUR1TkdlR1lla1hPOXZSbnVXeXdyUE56dFZlWXExUEgzTXNjZzZZMV8wbVVDWGZtcThzMTBDM3FlZWlodzV6NFBhbGVSa1hSbmkwTjJGNGxBWDhuNXdadkJXeWJvdUY3LXNJVlBqa2ljdExMYk12eVNPckR0cWVpZw?oc=5) · journalrecord.com
- 2022-08-18 [Bailout List: Banks, Auto Companies, and More | Eye on the Bailout - ProPublica](https://news.google.com/rss/articles/CBMiV0FVX3lxTE9yUjlLUHlRTkFPekMwR3J1MXFxS2o0OWc3cTFybnY2U1ZhZ1BkTVRweEE5bXJuWnVSTTRxWk1malZlQ2dPUVpHSTk0OTZfNUg3aGpUVVJrbw?oc=5) · ProPublica
- 2025-04-30 [The ‘joiner’ era of bank M&A has begun - Banking Dive](https://news.google.com/rss/articles/CBMiygFBVV95cUxQWW12RW10QTA5NklFcEo4SElWYUdTY1hBeGJlb0dsTng4ZUozQVJsMmRSMUdUR1duM2ZpNXQycW1jaklDbERGQ0lwWnAyaXV4ZzJMbFcxRXExc2duNVR6UEZiZUlod1ZNcFhiOEZQMk5yTGZGVUxSQUhwUjQ4SGRmWnM0NmFqNFVNTmxOOGNSMXh6Q3Z5X1h6bGZHQmFCOXhVQmp1ZzQ0QlJWbmhKYmFHbnhRdHRaTUxZckhvZHNiQl9CUE1md25HNHhn?oc=5) · Banking Dive

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=34786 (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/34.json (key "34786", 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