Visbanking Logo
Skip to main content

Enterprise Bank

IDRSSD: 2730431
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2024-Q2

Per-quarter snapshot for 2024-Q2: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
57
/ 100
WatchAs of 2024-Q2QoQ -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-Q2

Bank #2730431 2024-Q2 Vital Signs Score: 57/100 — overall watch. Strongest pillar: Securities (strong). Weakest pillar: Reserves (risk).

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

Top 3 Watch Items

  1. risk
    True Loss Coverage Ratio below 50%
    Reserves — True coverage 8.6% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 10.7% (regulatory soft-warning level 50%).
  3. risk
    Brokered deposits above 30%
    Liquidity — Brokered 46.0% of deposits (threshold 30%).

What changed this quarter

Compared to Q1 2024:
↓ -3 ptscomposite
  • Liquidity
    ↑ +1
  • Securities
    — —
  • Capitalization
    ↓ -8
  • Asset Quality
    ↓ -4
  • Reserves
    ↑ +1

The five pillars

Liquidity

StableQoQ +1
65
Sub-score

Liquidity is stable: brokered 46.0%, loans/deposits 100.0%, cash 16.8% of assets.

Cash / Assets
16.82%
Loans / Deposits
99.99%
Brokered %
46.00%

Watch Items

  • riskBrokered deposits above 30% — Brokered 46.0% of deposits (threshold 30%).

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 -8
63
Sub-score

Capital position is stable: Tier 1 RBC 11.24%, CET1 11.24%, leverage 8.47%.

Tier 1 RBC
11.24%
CET1
11.24%
Leverage
8.47%
No watch items at this period.

Asset Quality

WatchQoQ -4
54
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.93%, Texas Ratio 43.0%, NCO YTD -0.01%.

Adjusted NPL
4.93%
Govt-guarantees stripped
Texas Ratio
43.0%
NCO YTD
-0.01%
30-89 PD
1.39%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.93% (govt-guarantees stripped).

Reserves

RiskQoQ +1
1
Sub-score

Reserves are weak: ALLL 0.53% of loans, coverage 10.7%, true coverage 8.6%.

ALLL / Loans
0.53%
Coverage
10.7%
True Loss Coverage
8.6%

Watch Items

  • riskALLL / NPL below 50% — Coverage 10.7% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 8.6% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.53% 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