Enterprise Bank & Trust

Name

Enterprise Bank & Trust

Legal name

Enterprise Financial Services Corp

Website

https://enterprisebank.com

Company type

Public

Founded year

2005

Operating status

Operating

Headcount range

1,001–5,000 employees

Ownership category

akta.pro rank

Product category

Commercial and Retail Banking

NAICS

Commercial Banking (522110), Commercial Banking (52211), Trusts, Estates, and Agency Accounts (525920)

SIC

State Commercial Banks (6022), National Commercial Banks (6021)

akta.pro primary industry

SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

akta.pro secondary industries

Escrow, Trust & Agency Services (escrow, paying agent, trustee) (FSABAIAI), Real Estate (Commercial Property, REITs) (FSABACAH), Corporate Trust Services (Trustee, Agent & Escrow Roles) (FSAEAKAB)

Keywords

• Commercial banking services
• Treasury management solutions
• SBA lending programs
• Wealth management services
• Consumer deposit accounts

Headquarters

HQ city

Clarkton

HQ country

United States

HQ region

North America

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales

Revenue model

1. Net Interest Income: Interest earned on loans (commercial real estate, SBA loans, aircraft finance, personal loans, home equity, vehicle loans) minus interest paid on deposits. The bank reported net interest income of $166-168 million quarterly with net interest margin of 4.28%.
2. Non-Interest Income: Fees from Treasury Management services, merchant processing, wire transfers, ATM fees, debit/credit card interchange, and other banking service charges.
3. Wealth Management and Investment Services: Securities and investment products offered through Cetera Investment Services, including private banking, wealth management, and retirement planning services.

Pricing tiers

Go-to-market motion1 record

Distribution channels7 records

Marketing channels8 records

Core offering

Enterprise Bank & Trust provides commercial and consumer banking products and services through dedicated industry-specialized teams. Its offerings include business and personal checking and savings accounts, commercial real estate and SBA lending, aircraft financing, property management banking, community association banking, escrow and legal services, ESOP financing, 401(k) administration, treasury management (ACH, wire, lockbox, Positive Pay), merchant processing, and wealth management delivered through Cetera Investment Services. The bank operates as the primary banking subsidiary of publicly-traded Enterprise Financial Services Corp (NASDAQ: EFSC).

Product overview

Enterprise Bank & Trust is a regional bank offering a comprehensive suite of banking products and services for both business and personal customers. The business banking platform includes multiple checking and savings account tiers (Basic Small Business, Small Business Optima, Business Banking Checking Plus, Enhanced Checking, Optima, Commercial Checking, Community Advantage), business lending products (SBA Lending as a Preferred Lender, Commercial Real Estate Loans, Asset-based Lending), specialized industry services (Property Management Banking, Aircraft Finance, Community Association Banking, Escrow and Legal Services, ESOP Financing, 401(k) Administration), and treasury management (Cash Management, Positive Pay, Online Banking, Merchant Processing). The personal banking platform includes checking accounts (Primary Benefits, Extra Benefits, Maximum Benefits, Liberty Checking, Student Banking), savings products (Personal Savings, Money Market, Certificates of Deposit), lending (Personal Loans, Home Equity, Vehicle Loans, Mortgages), and digital banking (Online Banking, Mobile Banking, Mobile Wallet, Zelle, Card Suite Lite, Personal Financial Management). Premium services include Private Banking with dedicated relationship managers and wealth management collaboration. The bank operates primarily in the Southwest U.S. including Arizona, California, Kansas, Missouri, Nevada, and New Mexico.

Differentiator

Problem solved

Functional benefit

Brands

• Enterprise University: No-cost skill development program for business leaders and their teams
• Card Suite Lite
• Enterprise Aircraft Finance
• Enterprise Property Management Banking

Products and services

• Business Checking Flexible checking products for businesses including Basic Small Business, Small Business Optima, Business Banking Checking Plus, Business Banking Enhanced Checking, Optima, Commercial Checking, Community Advantage, and IOLTA accounts for legal professionals.
• Business Savings Interest-earning savings accounts for small and midsize businesses including Commercial Money Market and Business Banking Savings accounts.
• SBA Lending Small Business Administration loan programs including 7(a) Loans, 504 Loan Program, Express Program, and Export Express Program. Enterprise is an SBA Preferred Lender with over 150 years of collective experience, financing from $100,000 to $6,250,000 with approvals in as little as 48 hours.
• Commercial Real Estate Loans Loans for office, industrial, multi-family, student housing, skilled nursing, senior housing, affordable housing, mixed-use developments, and retail properties, including historic tax credit, bridge loans, and New Markets Tax Credit loans.
• Property Management Banking Specialized banking for property management companies including broker trust accounts, escrow accounts, lockbox services, remote deposit capture, ACH origination, and online wire transfer, with integration with property management software.
• Aircraft Finance Customized aircraft lending for dealers and brokers with over 50 years of combined aviation industry experience, including dealer financing, broker financing, and expedited loan closing.
• Community Association Banking Banking services for HOAs and association management companies including depository services, cash management, nationwide lockbox services, HOA financing, and integrated payment and accounting services.
• Escrow and Legal Services Specialized deposit services for legal and professional fiduciaries including IOLTA Accounts, Third-Party Escrow, DACA Accounts, and Class Action Settlements.
• ESOP Financing Employee stock ownership plan financing including leveraged financing, working capital financing, second stage ESOP transactions, seller note refinancing, and merger and acquisition financing.
• 401(k) for Business 401(k) plan design and administration with fiduciary responsibility for fund recommendations, personalized financial advice, in-person support, and ongoing testing compliance assistance.
• Cash Management Treasury management services including Automated Payments, Collections, Disbursements, Fraud Protection, Investment & Sweep Accounts, and Merchant Processing.
• Merchant Processing Services Merchant services for business payment processing enabling acceptance of card transactions.
• Personal Checking Flexible personal checking options including Primary Benefits Account, Extra Benefits Account, Maximum Benefits Account, Liberty Checking (for clients 50+ and military/veterans/first responders), and Student Banking.
• Personal Savings Savings options including Personal Savings Account, Personal Money Market, and Certificates of Deposit with terms from 7 days to 4 years.
• Certificates of Deposit FDIC-insured CDs with terms from 7 days to 4 years, competitive rates, guaranteed rates for the term length, and customizable interest payment programs.
• Personal Lending Personal loans including CD-Secured (lower interest rate using deposit as collateral) and Consumer Unsecured loans based on credit history.
• Home Equity Loans Home equity products including Home Equity Line of Credit (variable rates, interest-only payments) and Home Equity Term (fixed rate, principal and interest payments).
• Vehicle Loans Motor vehicle loans for autos, RVs, and motorcycles with quick approval decisions, flexible rate options based on credit score and vehicle age, and auto-debit payment convenience.
• Private Banking Comprehensive personal financial management with dedicated relationship managers, after-hours accessibility, preferential rates, tailored financial solutions, and integration with commercial banking, including wealth management collaboration, succession planning, and estate planning.
• Debit Cards Enterprise Mastercard debit card accepted worldwide with access to 55,000+ Allpoint ATMs, mobile wallet compatibility, Mastercard Zero Liability coverage, and fraud protection with 24/7 monitoring.

Quantifiable outcome

• Q1 2026 EPS of $1.30, beating consensus estimate of $1.29
• +6 more outcomes

Named customers7 records

Segments9 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability6 records

Feature4 records

Partnerships

15 partnerships are on record, tiered minor and core.

• Midwest BankCentreminorStrategic or Co-development Partner · 8 May 2025Joint sponsorship of Federal Home Loan Bank affordable housing grants. Midwest BankCentre and Enterprise Bank & Trust co-sponsored the $5.4 million grant for St. Louis affordable housing initiatives.
• First Choice BancorpcoreStrategic or Co-development Partner · 21 July 2021Enterprise Financial Services Corp completed merger with First Choice Bancorp effective July 21, 2021, adding significant assets and expanding geographic footprint in California.
• AllpointcoreTechnology or IntegrationAllpoint ATM network partnership providing Enterprise customers fee-free access to 55,000+ ATMs nationwide, including at retailers such as Walgreens, CVS, and Target.
• ZellecoreTechnology or IntegrationPartnership with Zelle for person-to-person payment services within the Enterprise mobile banking app, enabling fast money transfers to friends and family at other banks.
• Apple PaycoreTechnology or IntegrationMobile wallet integration allowing customers to add Enterprise debit cards to Apple Pay for secure contactless payments.
• Google PaycoreTechnology or IntegrationMobile wallet integration allowing customers to add Enterprise debit cards to Google Pay for secure contactless payments.
• Samsung PaycoreTechnology or IntegrationMobile wallet integration allowing customers to add Enterprise debit cards to Samsung Pay for secure contactless payments.
• MastercardcoreTechnology or IntegrationPartnership with Mastercard for debit card issuance, including Zero Liability protection, Extended Warranty, Price Protection, and Global Service. Also includes Easy Savings program for business debit cardholders.
• VisacoreTechnology or IntegrationPartnership with Visa for credit card issuance, including $0 Liability protection for unauthorized transactions.
• NAFA (National Aircraft Finance Association)minorOthersIndustry affiliation for aircraft finance operations. NAFA is the premier trade association for aviation financing.
• IADA (International Aircraft Dealers Association)minorOthersVerified member of IADA, the international trade association for aircraft dealers and brokers.
• NBAA (National Business Aircraft Association)minorOthersIndustry affiliation supporting business aviation. NBAA represents aviation professionals and companies using business aircraft.
• NAGGL (National Association of Government Guaranteed Lenders)minorOthersEnterprise Bank & Trust is a member of NAGGL, which allows the bank to best meet clients' specific needs and participate in a healthy SBA 7(a) lending industry.
• Cetera Investment ServicescoreChannel Partner/ Reseller/ DistributorSecurities and insurance products are offered through Cetera Investment Services LLC, member FINRA/SIPC. Cetera provides investment services including wealth management and advisory services for Enterprise Bank clients.
• First Interstate BankcoreStrategic or Co-development PartnerEnterprise Financial Services Corp completed acquisition of 12 branches from First Interstate Bank in October 2025, adding approximately $300 million in loans and $645 million in deposits in Arizona and Kansas.

Scale indicators14 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Cullen/Frost Bankers: Cullen/Frost is a Texas-based regional commercial bank with strong commercial and consumer banking, treasury management, and energy lending verticals. Comparable in commercial banking philosophy, though larger and more Texas-concentrated.
• Trustmark Corporation: Trustmark is a mid-size regional bank with commercial banking, wealth management, and insurance services across the Southeast and Texas. Comparable in scale, business mix, and diversified fee-income approach.
• Pacific Premier Bancorp: Pacific Premier Bancorp operates a commercial banking franchise with notable specialty verticals including HOA and escrow banking across the West Coast. Closely comparable to Enterprise's community association and property management banking franchises, with overlapping California and Southwest exposure and similar mid-cap scale.
• CVB Financial (Citizens Business Bank): CVB Financial operates Citizens Business Bank, a California-focused commercial bank serving SMBs and middle-market businesses with treasury management and specialty banking services. Directly comparable to Enterprise's California commercial banking presence and SMB-relationship model.
• Glacier Bancorp: Glacier Bancorp operates a network of community banks across the Western U.S. with similar SMB commercial banking focus and comparable mid-cap scale. Comparable in multi-state community bank holding company structure and conservative credit culture.
• First Busey Corporation: First Busey operates Busey Bank, a Midwest-rooted regional commercial bank with similar mid-cap size and SMB/middle-market business banking focus. Comparable in scale, business mix, and relationship-driven commercial banking model.
• HomeStreet Bank: HomeStreet has a specialty community association and HOA banking franchise along with mortgage and commercial banking, with West Coast geographic overlap. Comparable to Enterprise's community association banking vertical, with similar specialty-deposit focus.
• Renasant Corporation: Renasant Corporation operates a Southeast-based community bank with comparable mid-cap market positioning, commercial banking focus, and wealth management services. Similar in size and growth-through-acquisition history.
• Commerce Bancshares: Commerce Bancshares is a Midwest-headquartered commercial bank with comparable business banking, treasury management, and wealth management offerings. Similar in scale and conservative, relationship-led approach to commercial and consumer banking.

Broad incumbents

• UMB Financial Corporation: UMB Financial is a larger, diversified commercial bank with strong treasury management, healthcare banking, and asset management franchises. Overlaps with Enterprise's commercial banking, treasury management, and specialized vertical approach but at greater scale and geographic breadth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks7 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/EnterpriseBankTrust
• LinkedInlinkedin.com/company/enterprise-bank-&-trust
• Xx.com/EnterpriseBankT

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A3 records

Investments4 records

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Enterprise Bank & Trust