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Enterprise Bank Of South Carolina

IDRSSD: 457426
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
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Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
60
/ 100
StableAs of 2023-Q4QoQ +13

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #457426 2023-Q4 Vital Signs Score: 60/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Watch
Capitalization:Watch
Asset Quality:Stable
Reserves:Risk

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 21.2% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 21.2% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.31% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2023:
↑ +13 ptscomposite
  • Liquidity
    ↓ -7
  • Securities
    ↓ -3
  • Capitalization
    ↑ +12
  • Asset Quality
    ↑ +71
  • Reserves
    — —

The five pillars

Liquidity

StrongQoQ -7
93
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 58.2%, cash 6.6% of assets.

Cash / Assets
6.65%
Loans / Deposits
58.21%
Brokered %
0.00%
No watch items at this period.

Securities

WatchQoQ -3
52
Sub-score

Securities profile is deteriorating: securities 34.3% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
34.29%
No watch items at this period.

Capitalization

WatchQoQ +12
60
Sub-score

Capital position is deteriorating: Tier 1 RBC 11.34%, CET1 11.34%, leverage 6.43%.

Tier 1 RBC
11.34%
CET1
11.34%
Leverage
6.43%
No watch items at this period.

Asset Quality

StableQoQ +71
71
Sub-score

Asset quality is stable: Adjusted NPL 3.31%, Texas Ratio 26.0%, NCO YTD 0.02%.

Adjusted NPL
3.31%
Govt-guarantees stripped
Texas Ratio
26.0%
NCO YTD
0.02%
30-89 PD
0.61%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.31% (govt-guarantees stripped).

Reserves

Risk
7
Sub-score

Reserves are weak: ALLL 0.70% of loans, coverage 21.2%, true coverage 21.2%.

ALLL / Loans
0.70%
Coverage
21.2%
True Loss Coverage
21.2%

Watch Items

  • riskALLL / NPL below 50% — Coverage 21.2% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 21.2% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.70% of loans.

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 10:40:29 UTC