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Enterprise Bank

IDRSSD: 2730431
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
65
/ 100
StableAs of 2023-Q4QoQ -18

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 #2730431 2023-Q4 Vital Signs Score: 65/100 — overall stable. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 9.0% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 14.8% (regulatory soft-warning level 50%).
  3. watch
    Brokered deposits above 30%
    Liquidity — Brokered 39.0% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2023:
↓ -18 ptscomposite
  • Liquidity
    ↓ -11
  • Securities
    — —
  • Capitalization
    ↑ +2
  • Asset Quality
    ↓ -15
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ -11
64
Sub-score

Liquidity is stable: brokered 39.0%, loans/deposits 101.8%, cash 17.1% of assets.

Cash / Assets
17.15%
Loans / Deposits
101.79%
Brokered %
39.02%

Watch Items

  • watchBrokered deposits above 30% — Brokered 39.0% of deposits (threshold 30%).
  • infoLoans / Deposits above 100% — Loans/Deposits 101.8% (threshold 100%).

Securities

Strong
100
Sub-score

Securities profile is strong: securities 0.0% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
0.00%
No watch items at this period.

Capitalization

StableQoQ +2
69
Sub-score

Capital position is stable: Tier 1 RBC 11.18%, CET1 11.18%, leverage 8.44%.

Tier 1 RBC
11.18%
CET1
11.18%
Leverage
8.44%
No watch items at this period.

Asset Quality

StableQoQ -15
79
Sub-score

Asset quality is stable: Adjusted NPL 2.64%, Texas Ratio 23.5%, NCO YTD 0.00%.

Adjusted NPL
2.64%
Govt-guarantees stripped
Texas Ratio
23.5%
NCO YTD
0.00%
30-89 PD
0.22%
Band 0.3% / 3.0%
90+ PD
0.12%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.64% (govt-guarantees stripped).

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.39% of loans, coverage 14.8%, true coverage 9.0%.

ALLL / Loans
0.39%
Coverage
14.8%
True Loss Coverage
9.0%

Watch Items

  • riskALLL / NPL below 50% — Coverage 14.8% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 9.0% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.39% 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: 2026-05-13 12:11:07 UTC