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Enterprise Bank

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

Vital Signs Report — 2025-Q3

Per-quarter snapshot for 2025-Q3: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
57
/ 100
WatchAs of 2025-Q3QoQ -4

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

Quarterly Headline

2025-Q3

Bank #2730431 2025-Q3 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 5.6% (Adjusted NPL + Performing Mods denominator).
  2. risk
    ALLL / NPL below 50%
    Reserves — Coverage 7.2% (regulatory soft-warning level 50%).
  3. risk
    ALLL / Loans below 0.75%
    Reserves — ALLL 0.32% of loans.

What changed this quarter

Compared to Q2 2025:
↓ -4 ptscomposite
  • Liquidity
    ↑ +2
  • Securities
    — —
  • Capitalization
    ↓ -1
  • Asset Quality
    ↓ -15
  • Reserves
    — —

The five pillars

Liquidity

StableQoQ +2
73
Sub-score

Liquidity is stable: brokered 41.5%, loans/deposits 84.6%, cash 24.6% of assets.

Cash / Assets
24.64%
Loans / Deposits
84.63%
Brokered %
41.48%

Watch Items

  • watchBrokered deposits above 30% — Brokered 41.5% 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
61
Sub-score

Capital position is stable: Tier 1 RBC 11.34%, CET1 11.34%, leverage 8.10%.

Tier 1 RBC
11.34%
CET1
11.34%
Leverage
8.10%
No watch items at this period.

Asset Quality

WatchQoQ -15
49
Sub-score

Asset quality is deteriorating: Adjusted NPL 4.49%, Texas Ratio 37.0%, NCO YTD 0.14%.

Adjusted NPL
4.49%
Govt-guarantees stripped
Texas Ratio
37.0%
NCO YTD
0.14%
30-89 PD
2.67%
Band 0.3% / 3.0%
90+ PD
0.00%
Band 0.1% / 2.0%

Watch Items

  • watchAdjusted NPL above 2% — Adjusted NPL 4.49% (govt-guarantees stripped).

Reserves

Risk
0
Sub-score

Reserves are weak: ALLL 0.32% of loans, coverage 7.2%, true coverage 5.6%.

ALLL / Loans
0.32%
Coverage
7.2%
True Loss Coverage
5.6%

Watch Items

  • riskALLL / NPL below 50% — Coverage 7.2% (regulatory soft-warning level 50%).
  • riskTrue Loss Coverage Ratio below 50% — True coverage 5.6% (Adjusted NPL + Performing Mods denominator).
  • riskALLL / Loans below 0.75% — ALLL 0.32% 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