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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 — 2026-Q1

Per-quarter snapshot for 2026-Q1: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
73
/ 100
StableAs of 2026-Q1QoQ +10

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

Quarterly Headline

2026-Q1

Bank #457426 2026-Q1 Vital Signs Score: 73/100 — overall stable. Strongest pillar: Capitalization (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    ALLL / NPL below 50%
    Reserves — Coverage 19.9% (regulatory soft-warning level 50%).
  2. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 19.9% (Adjusted NPL + Performing Mods denominator).
  3. watch
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 3.73% (govt-guarantees stripped).

What changed this quarter

Compared to Q4 2025:
↑ +10 ptscomposite
  • Liquidity
    ↑ +4
  • Securities
    ↑ +6
  • Capitalization
    ↑ +23
  • Asset Quality
    ↑ +8
  • Reserves
    ↑ +1

The five pillars

Liquidity

StrongQoQ +4
94
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 60.8%, cash 7.3% of assets.

Cash / Assets
7.32%
Loans / Deposits
60.75%
Brokered %
0.00%
No watch items at this period.

Securities

StableQoQ +6
76
Sub-score

Securities profile is stable: securities 27.1% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
27.08%
No watch items at this period.

Capitalization

StrongQoQ +23
97
Sub-score

Capital position is strong: Tier 1 RBC 15.75%, CET1 15.75%, leverage 9.39%.

Tier 1 RBC
15.75%
CET1
15.75%
Leverage
9.39%
No watch items at this period.

Asset Quality

StableQoQ +8
69
Sub-score

Asset quality is stable: Adjusted NPL 3.73%, Texas Ratio 20.9%, NCO YTD 0.10%.

Adjusted NPL
3.73%
Govt-guarantees stripped
Texas Ratio
20.9%
NCO YTD
0.10%
30-89 PD
0.55%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 3.73% (govt-guarantees stripped).

Reserves

RiskQoQ +1
8
Sub-score

Reserves are weak: ALLL 0.74% of loans, coverage 19.9%, true coverage 19.9%.

ALLL / Loans
0.74%
Coverage
19.9%
True Loss Coverage
19.9%

Watch Items

  • riskALLL / NPL below 50% — Coverage 19.9% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 19.9% (Adjusted NPL + Performing Mods denominator).
  • infoALLL / Loans below 0.75% — ALLL 0.74% 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