Enterprise Bank & Trust
Clayton, Missouri, St. Louis County
$17.4B in total assets, the 118th largest of 4,309 US banks and 5th of 195 headquartered in Missouri.
- FDIC certificate
- 27237
- Established
- 1988
- Owned by
- Enterprise Finl Services Corp
- Primary regulator
- FED
At a glance
Compared with 132 US banks with $10 billion to $100 billion in assets, as of June 30, 2026.
| Measure | This bank | Percentile | Peer range, middle 90% | Peer median |
|---|---|---|---|---|
| Total assets | $17.4B | 36% | $22.5B | |
| Loans | $11.9B | 36% | $14.5B | |
| Deposits | $14.7B | 39% | $18.4B | |
| Return on assets | 1.17% | 37% | 1.30% | |
| Net interest margin | 4.29% | 84% | 3.61% | |
| Efficiency ratio | 60.3% | 72% | 55.1% | |
| Equity to assets | 11.75% | 56% | 11.57% | |
| Loans to deposits | 81% | 28% | 87% |
Growth
Total assets grew 11.0% a year over the last 5 years and 16.6% a year over 10 years, including 4 acquisitions in the last 10 years.
Acquisitions
| Closed | Acquired bank | Assets at acquisition |
|---|---|---|
| Jul 2021 | First Choice Bank Cerritos, CA | $2.4B |
| Nov 2020 | Seacoast Commerce Bank San Diego, CA | $1.3B |
| Mar 2019 | Los Alamos National Bank Los Alamos, NM | $1.2B |
| Feb 2017 | Eagle Bank and Trust Company of Missouri Hillsboro, MO | $933M |
| Aug 2011 | The First National Bank of Olathe Olathe, KS | $538M |
| Jan 2011 | Legacy Bank Scottsdale, AZ | $136M |
| Dec 2009 | Valley Capital Bank, National Association Mesa, AZ | $40M |
| Oct 2006 | Enterprise Bank & Trust North Kansas City, MO, an affiliate under the same holding company | $194M |
| Sep 2001 | Enterprise Banking, National Association Overland Park, KS, an affiliate under the same holding company | $161M |
Where they operate
54 branches in 21 counties.
Largest markets by deposits
| County | Deposits | Market share | Rank |
|---|---|---|---|
| St. Louis County, MO | $4.4B | 9.2% | 4 of 55 |
| San Diego County, CA | $4.3B | 3.2% | 8 of 42 |
| Johnson County, KS | $1.1B | 4.3% | 8 of 60 |
| Maricopa County, AZ | $718M | 0.4% | 16 of 55 |
| Santa Fe County, NM | $659M | 13.6% | 2 of 11 |
| Los Angeles County, CA | $637M | 0.1% | 42 of 91 |
Deposits by branch from the FDIC Summary of Deposits, June 2026. Rank among all banks with branches in that county.
Branch history since 2016
Net gain of 38 branches since 2016 (16 to 54, +237.5%). 15 opened, 35 acquired, 12 closed or sold.
| Period | What happened | Opened or acquired | Closed or sold | Net change | Branches at end |
|---|---|---|---|---|---|
| Start of 2016 | Starting point | 16 | |||
| 2016 | Opened Kansas CityClosed Kansas City | 1 | 1 | 0 | 16 |
| 2017 | Acquired Eagle Bank and Trust Company of MissouriClosed Independence | 18 | 1 | +17 | 33 |
| 2019 | Acquired Los Alamos National BankClosed 3 in Missouri | 6 | 3 | +3 | 36 |
| 2020 | Acquired Seacoast Commerce Bank | 5 | 0 | +5 | 41 |
| 2021 | Acquired First Choice BankClosed San Diego | 6 | 1 | +5 | 46 |
| 2022 | Closed 3 in 2 states | 0 | 3 | −3 | 43 |
| 2023 | Opened OrlandoClosed O Fallon and Saint Louis | 1 | 2 | −1 | 42 |
| 2025 | Opened Las VegasClosed Las Vegas | 1 | 1 | 0 | 42 |
| 2026 through Q2 | Opened 12 in 2 states | 12 | 0 | +12 | 54 |
Balance sheet and earnings
Loans by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Commercial real estate | 43% | 25% | |
| Business (C&I) | 38% | 17% | |
| Construction and land | 6% | 6% | |
| Multifamily | 3% | 8% | |
| 1-4 family residential | 3% | 21% | |
| Consumer | 0% | 10% | |
| Other | 6% | 13% |
Deposits by type
| Type | Share | This bank | Peers |
|---|---|---|---|
| Other interest-bearing | 54% | 62% | |
| Noninterest-bearing | 35% | 20% | |
| Time deposits | 12% | 18% |
Brokered deposits are 6.7% of deposits (peers 7.3%).
Return on assets
Trailing four quarters, with the peer median.
Credit and capital
| This bank | Peer median | |
|---|---|---|
| Noncurrent loans | 0.64% | 0.63% |
| Net charge-offs, annualized | 0.30% | 0.14% |
| Reserves to loans | 1.17% | 1.14% |
| Leverage ratio | 9.92% | 10.26% |
Noncurrent loans exclude government-guaranteed portions.
Related banks
Similar size in Missouri
Largest competitors in St. Louis County, MO
Figures as of June 30, 2026 from the bank's Call Report, FDIC structure and branch data, and the Federal Reserve. Short link: bankingstats.com/banks/enterprise-bank-trust-clayton-mo