Institution Class	Commercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary Regulator	FDIC
Established Date	01/03/1989
Community Bank	Yes
Ownership Type	Not Mutual
ZIP	01852
State and County Number	25017
Subchapter S Corporations	No
Trust Powers	Full Trust Powers Granted
Federal Reserve ID Number	01
Numeric code	21
Insured by FDIC	Institution closed or not insured by FDIC
Federal Reserve District	New York
Core Based Statistical Area Name	Boston-Cambridge-Newton, MA-NH

Operational Info

Number of Employees	504
Domestic Offices	27
Foreign Offices	0
US Offices	0
Directly owned by another bank (CERT)	No
Last Structure Change Effective Date	07/01/2025
Date of Deposit Insurance	01/03/1989
Primary Insurance Agency	DIF
Website	N/A
Data Updated	11/28/2025
CERT	27408
Office of The Comptroller District:	—
Office of Thrift Supervision Region	N/A

Financial Summary

Total Assets	$4.95B
Total Deposits	$4.37B
Total Liabilities	$4.51B
Total Equity Capital	$440.72M
Net Income	$-9,817,000
Net Loans and Leases	$4.01B
Assets Per Employee ($Millions)	$9.83M
Bank Premises and Fixed Assets	$64.41M
Cash and Balances due from Depository Institutions	$123.64M
Deposits Held in Domestic Offices	$4.37B

Return on Assets (ROA)	-0.8%
Return on Equity (ROE)	-8.87%
Net Interest Margin	3.58%
Efficiency Ratio	119.16%
Tier 1 Risk-Based Capital Ratio	11.588%
Net Loans and Leases to Core Deposits	0%
Credit Loss Provision to Assets	0.09%
Cash Dividends to Net Income (YTD Only)	0%
Equity Capital to Assets	8.897%
Earning Assets to total Assets	94.02%

Total Interest Income	$61.48M
Total Noninterest Income	$5.42M
Total Interest Expense	$19.99M
Total Noninterest Expense	$55.90M
Net Interest Income	$41.49M
Pre-tax Net Operating Income	$-10,056,000
Provision for Credit Losses	$1.07M
Discontinued Operations (Extraordinary Gains - Net)	$0

Goodwill and Other Intangibles	$0
All Other Assets	—
Other Real Estate Owned	$0
Other borrowed funds	$62.47M
Federal Funds Sold & Reverse Repurchase Agreement	$0
Federal Funds Purchased and Repurchased Agreement	$0
All Other Liabilities	$83.68M
Total Liabilities and Capital	$4.95B

Securities	$590.27M
Available-for-sale debt securities	$586.81M
Equity securities with readily determinable fair values not held for trading	—
Held-to-maturity securities	$0
Subordinated Debt	$0
Trading Account Assets	$0
Trading Liabilities	$0

What are the total assets of Enterprise Bank and Trust Company?

$4.95B as of the latest filing.

How much are Enterprise Bank and Trust Company's total deposits?

$4.37B in total deposits.

Where is Enterprise Bank and Trust Company located?

Lowell, MA.

What is the Net Interest Margin?

3.58%.

How many domestic offices does it operate?

27.

When was it established?

01/03/1989.

What is the Return on Assets (ROA)?

-0.8%.

How much are total loans and leases?

$4.01B (latest filing).

What is the total interest income (latest filing)?

$61.48M.