Every 8-K that Enterprise Finl Svcs Corp (EFSC) has filed with the SEC in the last 24 months is listed below, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 8-K covers material events a company has to report between its quarterly reports, so if you follow EFSC and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full EFSC filings page.
ENTERPRISE FINANCIAL SERVICES CORP (EFSC) reported the resignation of Sandra A. Van Trease from the Boards of Directors of the company and its wholly owned banking subsidiary, Enterprise Bank & Trust, effective August 19, 2026. Her resignation also covers all board committees on which she served.
Ms. Van Trease had been chairperson of the Nominating and Governance Committee and a member of the Audit, Human Capital and Compensation, and Executive Committees. She indicated that her decision to resign is not the result of any disagreement with management or the boards.
Enterprise Financial Services Corp outlines a focused commercial banking model serving privately held businesses across diversified regions and specialty verticals. As of 2Q26, it reports $17.4B in total assets, $14.5B in deposits and $11.9B in loans, supported by 54 branches and national lending and deposit platforms.
The company emphasizes disciplined growth and balance-sheet strength, citing a tangible common equity ratio of 9.04%, a CET1 ratio of 11.5% and available liquidity of $7.2B. Year-to-date through June 30, 2026, PPNR ROAA is 1.61% and adjusted ROATCE is 11.66%, with nonperforming loans at 0.64% of total loans and decade-long CAGRs of 15.2% for loans and 16.9% for deposits.
Enterprise Financial Services Corp reported second quarter 2026 net income of $40.9 million, or $1.09 per diluted share, down from $49.4 million ($1.30) in the prior quarter and $51.4 million ($1.36) a year ago. Net interest income increased to $168.7 million, up $2.6 million sequentially and $16.0 million year over year, as the tax-equivalent net interest margin improved to 4.30% from 4.28% and 4.21%. Loans reached $11.9 billion, rising $199.6 million from the prior quarter, while deposits were $14.5 billion, essentially flat sequentially and up $1.2 billion year over year; noninterest-bearing deposits were 34% of total deposits.
Credit costs increased, with a $14.2 million provision for credit losses versus $7.2 million in the prior quarter and $3.5 million a year earlier, driven mainly by $13.6 million in net charge-offs and higher nonperforming assets, which were 0.92% of assets. Capital remained strong: tangible common equity to tangible assets was 9.04%, CET1 was 11.5%, and total risk-based capital was 15.0%. The company issued $175 million of 6.25% fixed-to-floating subordinated notes due 2036 and repurchased 382,083 shares for $22.9 million. The board approved an additional authorization to repurchase up to 2,000,000 common shares, about 5% of shares outstanding, on top of 249,400 shares remaining under the existing plan, and increased the quarterly common dividend to $0.35 per share for the third quarter of 2026.
Enterprise Financial Services Corp issued and sold $175 million of 6.25% Fixed‑to‑Floating Rate Subordinated Notes due 2036. The notes were sold at a 1.25% underwriting discount, providing approximately $172.8 million in net proceeds.
The company plans to use the proceeds for general corporate purposes, including potential debt repayment, capital support for growth or acquisitions, dividends, share repurchases and regulatory capital for Enterprise Bank & Trust. The notes pay a fixed 6.25% interest rate semi‑annually until July 1, 2031, then switch to a floating rate equal to Three‑Month Term SOFR plus 232 basis points, paid quarterly until maturity or earlier redemption.
The notes are subordinated obligations of the company, ranking junior to senior debt, effectively subordinated to secured debt and all liabilities of subsidiaries, and may be redeemed at par starting July 1, 2031 or upon certain tax, regulatory capital or investment company events, subject to Federal Reserve approval where required.
Enterprise Financial Services Corp released an investor presentation outlining its balance sheet strength, profitability and recent capital actions. The bank reported 1Q26 net income of $49.4 million, diluted EPS of $1.30, ROAA of 1.16% and ROATCE of 12.53%.
Total assets were $17.2 billion and 1Q26 net interest income was $166.1 million with a net interest margin of 4.28%. Loans totaled $11.7 billion and deposits $14.5 billion, giving a loan-to-deposit ratio of 81% and noninterest-bearing deposits of 33% of total.
Credit metrics remained solid, with nonperforming loans at 0.56% of loans and an allowance coverage ratio of 1.21%, or 1.32% excluding guaranteed loans. The CET1 ratio was 11.7% and tangible common equity to tangible assets was 9.01%, supporting ongoing share repurchases and dividends.
Enterprise Financial Services Corp held its 2026 annual stockholder meeting, where all twelve director nominees were elected to one-year terms. Director support was strong, with votes for each nominee around 28.1–29.0 million and 2,786,551 broker non-votes recorded for each seat.
Stockholders also ratified Deloitte & Touche LLP as independent registered public accounting firm for fiscal year 2026, with 31,543,824 votes for, 379,765 against, and 10,850 abstentions. In addition, the advisory vote on executive compensation passed, receiving 28,136,971 votes for, 890,165 against, 120,752 abstentions, and 2,786,551 broker non-votes. No other matters were brought to a vote.
Enterprise Financial Services Corp furnished an investor presentation outlining its business model, growth strategy and key first-quarter 2026 metrics. The company reported $17.2B in total assets, $14.5B in total deposits and $11.7B in total loans, with a diversified deposit and loan mix across regions and specialty verticals.
Capital and profitability indicators remain strong, including a 9.01% tangible common equity to tangible assets ratio, 11.7% CET1 ratio, 1.65% pre-provision net revenue ROAA and 12.59% adjusted ROATCE for the period. The materials highlight a 10-year compound annual growth rate of 15.2% for loans and 17.3% for deposits, a 10-year tangible book value per share CAGR of 9.8% and a trailing twelve-month EPS CAGR of 9.8%, supported by selective M&A and specialty lending and deposit verticals.
Enterprise Financial Services Corp reported first-quarter 2026 net income of $49.4 million, with diluted EPS of $1.30, down from $1.45 in the prior quarter and $1.31 a year earlier. Net interest income was $166.1 million, slightly lower than the prior quarter, while the tax-equivalent net interest margin edged up to 4.28%.
Loans were $11.7 billion, down $107.6 million sequentially but up $394.0 million year over year. Deposits totaled $14.5 billion, down $84.9 million from the linked quarter and up $1.5 billion from the prior year, with noninterest-bearing deposits at 33% of the total. Asset quality remained controlled, with nonperforming assets at 0.87% of total assets and an allowance for credit losses equal to 1.21% of loans.
The company maintained solid capital, including a tangible common equity to tangible assets ratio of 9.01% and a common equity tier 1 ratio of 11.7%. Tangible book value per common share was $41.38. EFSC returned capital through repurchasing 483,000 shares for $27.3 million and paying $12.2 million in common dividends, and it increased the quarterly common dividend to $0.34 per share for the second quarter of 2026.
Enterprise Financial Services Corp (EFSC) released an investor presentation outlining its recent financial performance and balance sheet profile. The company reported total assets of $17.3 billion and a market capitalization of $2.1 billion as of late February 2026, with a 2025 full-year return on average assets of 1.24% and return on average tangible common equity of 13.3%.
For 4Q25, EFSC generated net income of $54.8 million, or $1.45 in diluted EPS, on net interest income of $168.2 million and a net interest margin of 4.26%. Credit metrics included nonperforming loans equal to 0.70% of total loans, nonperforming assets equal to 0.95% of total assets and an allowance for credit losses of 1.19% of loans, or 1.29% when adjusted for guaranteed loans.
The presentation highlights a diversified commercial banking model with $11.8 billion in loans and $14.6 billion in deposits at 4Q25, including 33.4% noninterest-bearing deposits and a 1.64% cost of total deposits. EFSC reported a CET1 capital ratio of 11.6% and a tangible common equity to tangible assets ratio of 9.07%, supported by a $3.7 billion investment portfolio, diverse liquidity sources and a range of specialty lending and deposit verticals across stable Midwest and higher-growth Western and Southwest markets.
Enterprise Financial Services Corp filed a current report to furnish an investor presentation under Regulation FD. The company is using the materials attached as Exhibit 99.1 in meetings with certain investors and analysts. The information in Item 7.01, including Exhibit 99.1, is being furnished rather than filed, which means it is not automatically incorporated into other securities law filings unless specifically referenced.
Enterprise Financial Services Corp announced that it issued a press release with financial information for the quarter ended December 31, 2025. The company is making this information available to investors and the public through that release and a related slide presentation.
The company also plans to host a webcast on January 27, 2026 at 10:00 a.m. Central time to review and discuss its results of operations for the same quarter. The press release is provided as Exhibit 99.1 and the slide presentation for the webcast is provided as Exhibit 99.2.
Enterprise Financial Services Corp (EFSC) furnished an investor presentation under Regulation FD. The company is sharing the materials attached as Exhibit 99.1 in meetings with certain investors and analysts. The information in Item 7.01, including Exhibit 99.1, is being furnished and is not deemed filed or incorporated by reference unless specifically referenced.
EFSC’s securities listed include common stock (ticker EFSC) and depositary shares (ticker EFSCP) on the Nasdaq Global Select Market, with the depositary shares representing a 1/40th interest in Series A 5.00% preferred stock.
Enterprise Financial Services Corp furnished an 8-K announcing a press release with financial information for the quarter ended September 30, 2025, and a related webcast.
The Company plans to host the webcast on October 28, 2025 at 10:00 a.m. Central time, accompanied by a slide presentation. The press release is furnished as Exhibit 99.1 and the presentation as Exhibit 99.2. These materials, and the information in Item 2.02, are furnished and not deemed “filed.”
Enterprise Financial Services Corp announced a temporary blackout for its EFSC Incentive Savings Plan to implement a change in service provider. The blackout begins on November 24, 2025 at 3:00 p.m. Central Time and will end during the calendar week beginning January 4, 2026.
During this period, plan participants will be unable to direct or diversify investments in their individual accounts, including with respect to EFSC common stock, and cannot obtain loans or distributions from the plan. The company also notified directors and executive officers that, during the blackout, they are prohibited from purchasing, acquiring, selling, or otherwise transferring EFSC common stock acquired in connection with their service or employment.
A copy of the notice to directors and executive officers was filed as Exhibit 99.1. Stockholders may request the actual start and end dates during the blackout and for two years thereafter.
Enterprise Financial Services Corp provided an update on certain credit relationships at Enterprise Bank & Trust. The Bank has seven commercial real estate loans totaling $68.4 million to seven special purpose entities tied to two commercial banking relationships in Southern California, each secured by a first‑position, senior mortgage on the related properties.
The Company previously reported these loans as nonperforming after a business dispute among the owners led all seven borrowing entities to file for bankruptcy in the first quarter of 2025. In August 2025, the Bank commenced foreclosure proceedings on the real property collateral. Based on its senior secured first‑lien position, the Company expects to collect the full balance of these loans.
Enterprise Financial Services Corp said its subsidiary, Enterprise Bank & Trust, closed the acquisition of twelve branches from First Interstate Bank. The deal adds ten locations in Arizona and two in Kansas.
According to the purchase agreement, Enterprise Bank & Trust assumed approximately $645 million in deposits and purchased about $300 million of performing loans tied to these branches. The branch acquisition became effective at 11:59 p.m. Central on October 10, 2025.
Enterprise Financial Services Corp. reported management changes effective October 1, 2025. Longtime EB&T President Scott Goodman, age 61, moved into a part-time Vice-Chairman role after 12 years as EB&T President and 22 years with the company. The company created a new Chief Banking Officer role filled by Doug Bauche, age 55, previously Chief Credit Officer and a company employee for over 25 years. Kevin Handley, age 56, was promoted to Chief Credit Officer and will report to Mr. Bauche; he joined the company in 2018. Keene Turner, age 45, was promoted to serve as Chief Operating Officer in addition to his role as Senior EVP, Chief Financial Officer. Troy Dumlao, age 52, will serve as Chief Financial Officer of EB&T while remaining Executive VP, Chief Accounting Officer; he joined the company in 2019.
Enterprise Financial Services Corp filed a current report to furnish an investor presentation under Regulation FD. The company is sharing the slide materials attached as Exhibit 99.1 in meetings with certain investors and analysts. This information, including Exhibit 99.1, is being furnished rather than filed, which means it is not automatically incorporated into other securities law filings unless specifically referenced. The report is signed on behalf of the company by its Executive Vice President and Chief Accounting Officer.