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Enterprise Bank

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

Vital Signs Report — 2024-Q4

Per-quarter snapshot for 2024-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
61
/ 100
StableAs of 2024-Q4QoQ +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-Q4

Bank #2730431 2024-Q4 Vital Signs Score: 61/100 — 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 7.5% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 12.4% (regulatory soft-warning level 50%).
  3. risk
    Brokered deposits above 30%
    Liquidity — Brokered 52.9% of deposits (threshold 30%).

What changed this quarter

Compared to Q3 2024:
↑ +3 ptscomposite
  • Liquidity
    ↑ +3
  • Securities
    — —
  • Capitalization
    ↑ +1
  • Asset Quality
    ↑ +9
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +3
70
Sub-score

Liquidity is stable: brokered 52.9%, loans/deposits 90.7%, cash 22.4% of assets.

Cash / Assets
22.42%
Loans / Deposits
90.72%
Brokered %
52.92%

Watch Items

  • riskBrokered deposits above 30% — Brokered 52.9% 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 +1
67
Sub-score

Capital position is stable: Tier 1 RBC 11.73%, CET1 11.73%, leverage 8.44%.

Tier 1 RBC
11.73%
CET1
11.73%
Leverage
8.44%
No watch items at this period.

Asset Quality

StableQoQ +9
62
Sub-score

Asset quality is stable: Adjusted NPL 2.94%, Texas Ratio 24.5%, NCO YTD 0.00%.

Adjusted NPL
2.94%
Govt-guarantees stripped
Texas Ratio
24.5%
NCO YTD
0.00%
30-89 PD
2.63%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • infoAdjusted NPL above 2% — Adjusted NPL 2.94% (govt-guarantees stripped).

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.36% of loans, coverage 12.4%, true coverage 7.5%.

ALLL / Loans
0.36%
Coverage
12.4%
True Loss Coverage
7.5%

Watch Items

  • riskALLL / NPL below 50% — Coverage 12.4% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 7.5% (Adjusted NPL + Performing Mods denominator).
  • watchALLL / Loans below 0.75% — ALLL 0.36% 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