Visbanking Logo
Skip to main content

Enterprise Bank Of South Carolina

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

Vital Signs Report — 2024-Q1

Per-quarter snapshot for 2024-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
63
/ 100
StableAs of 2024-Q1QoQ +3

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

Quarterly Headline

2024-Q1

Bank #457426 2024-Q1 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. watch
    ALLL / NPL below 50%
    Reserves — Coverage 27.8% (regulatory soft-warning level 50%).
  2. watch
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 27.8% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.17% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2023:
↑ +3 ptscomposite
  • Liquidity
    ↓ 0
  • Securities
    ↓ -1
  • Capitalization
    ↑ +5
  • Asset Quality
    ↑ +3
  • Reserves
    ↑ +6

The five pillars

Liquidity

StrongQoQ 0
92
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 57.9%, cash 6.4% of assets.

Cash / Assets
6.43%
Loans / Deposits
57.91%
Brokered %
0.00%
No watch items at this period.

Securities

WatchQoQ -1
52
Sub-score

Securities profile is deteriorating: securities 34.5% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
34.52%
No watch items at this period.

Capitalization

StableQoQ +5
64
Sub-score

Capital position is stable: Tier 1 RBC 11.72%, CET1 11.72%, leverage 6.65%.

Tier 1 RBC
11.72%
CET1
11.72%
Leverage
6.65%
No watch items at this period.

Asset Quality

StableQoQ +3
74
Sub-score

Asset quality is stable: Adjusted NPL 3.17%, Texas Ratio 23.9%, NCO YTD -0.32%.

Adjusted NPL
3.17%
Govt-guarantees stripped
Texas Ratio
23.9%
NCO YTD
-0.32%
30-89 PD
0.39%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.17% (govt-guarantees stripped).

Reserves

RiskQoQ +6
12
Sub-score

Reserves are weak: ALLL 0.87% of loans, coverage 27.8%, true coverage 27.8%.

ALLL / Loans
0.87%
Coverage
27.8%
True Loss Coverage
27.8%

Watch Items

  • watchALLL / NPL below 50% — Coverage 27.8% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 27.8% (Adjusted NPL + Performing Mods denominator).

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