Enterprise Bank of Sc
Ehrhardt, South Carolina · FDIC Cert #11539
Enterprise Bank of Sc is an FDIC-insured bank (Certificate #11539) with $461M in total assets and $446M in total deposits as of the Q2 2024 Call Report. Headquartered in Ehrhardt, South Carolina, the bank maintains a Tier 1 capital ratio of 12.16% (Well-Capitalized) and a nonperforming loan ratio of 2.80%. BankHealthData assigns a composite Health Grade of B (70/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Enterprise Bank of Sc (FDIC cert 11539) is a community bank — $461M in total assets, $446M in deposits, serving the Ehrhardt, South Carolina area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 12.16% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is elevated: non-performing loan ratio of 2.80% runs above 2%, suggesting the loan book carries more credit risk than peer banks. Elevated NPL can reflect specific portfolio concentrations or broader credit-cycle pressure. Liquidity is very high: 42.7% of assets in liquid form, well above peer norms. Very high liquidity sometimes reflects a bank still building out its loan portfolio or one operating under specific regulatory liquidity requirements.
Profitability is thin: ROA of 0.50% runs below the 1% benchmark. Thin margins can reflect cyclical net-interest-margin pressure, elevated provisions for loan losses, or operating-cost inefficiency. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Enterprise Bank of Sc carries a composite BankHealth grade of B (70/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Enterprise Bank of Sc
- Total Assets
- $461M
- Total Deposits
- $446M
- Tier 1 Capital Ratio
- 12.16%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 2.80%
- Liquidity Ratio
- 42.67%
- Return on Assets
- 0.50%
- Headquarters
- Ehrhardt, South Carolina
- FDIC Certificate
- #11539
- Health Grade
- B (70/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Enterprise Bank of Sc holds a Tier 1 capital ratio of 12.16%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Enterprise Bank of Sc has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Enterprise Bank of Sc shows strong financial health indicators. With $461M in assets and a Health Score of 70/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Enterprise Bank of Sc Compares
Enterprise Bank of Sc’s Health Score of 70 is 4 points below the South Carolina state average of 74 across 38 FDIC-insured banks. Its 12.16% Tier 1 capital ratio is 1.8 points below the US banking industry average near 14%. The 2.80% nonperforming loan ratio is higher than the industry norm (~0.8%), indicating more credit stress than peers. Return on assets of 0.50% is below the national ROA benchmark of ~1.1%. Among 1495 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort.
Frequently Asked Questions
Enterprise Bank of Sc has a Bank Health Score of B (70/100), placing it in solid financial health. It holds a Tier 1 capital ratio of 12.16%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Enterprise Bank of Sc's Tier 1 capital ratio of 12.16% and nonperforming loan ratio of 2.80% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Enterprise Bank of Sc is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #11539). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Enterprise Bank of Sc holds $461M in total assets and $446M in total deposits. It is headquartered in Ehrhardt, South Carolina (FDIC Certificate #11539).
Enterprise Bank of Sc has a Tier 1 capital ratio of 12.16%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 2.80%, and the return on assets is 0.50%.
Yes. Enterprise Bank of Sc is FDIC-insured (Certificate #11539). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An B grade on our Bank Health Score means 70-84/100 — solid financial position with no major stress signals. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Enterprise Bank of Sc's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.