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Enterprise Bank Of South Carolina

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

Vital Signs Report — 2025-Q4

Per-quarter snapshot for 2025-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
63
/ 100
StableAs of 2025-Q4QoQ 0

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

Quarterly Headline

2025-Q4

Bank #457426 2025-Q4 Vital Signs Score: 63/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 18.5% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 18.5% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.80% (govt-guarantees stripped).

What changed this quarter

Compared to Q3 2025:
↑ 0 ptscomposite
  • Liquidity
    ↓ -4
  • Securities
    ↑ +2
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +1
  • Reserves
    ↓ 0

The five pillars

Liquidity

StrongQoQ -4
90
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 60.2%, cash 5.3% of assets.

Cash / Assets
5.30%
Loans / Deposits
60.20%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ +2
70
Sub-score

Securities profile is stable: securities 28.9% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
28.94%
No watch items at this period.

Capitalization

StableQoQ +1
75
Sub-score

Capital position is stable: Tier 1 RBC 12.73%, CET1 12.73%, leverage 7.46%.

Tier 1 RBC
12.73%
CET1
12.73%
Leverage
7.46%
No watch items at this period.

Asset Quality

StableQoQ +1
61
Sub-score

Asset quality is stable: Adjusted NPL 3.80%, Texas Ratio 26.7%, NCO YTD 0.83%.

Adjusted NPL
3.80%
Govt-guarantees stripped
Texas Ratio
26.7%
NCO YTD
0.83%
30-89 PD
0.54%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.80% (govt-guarantees stripped).

Reserves

RiskQoQ 0
7
Sub-score

Reserves are weak: ALLL 0.70% of loans, coverage 18.5%, true coverage 18.5%.

ALLL / Loans
0.70%
Coverage
18.5%
True Loss Coverage
18.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 18.5% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 18.5% (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