Eagle Bank and Trust Company of Missouri

What Eagle Bank and Trust Company of Missouri does

Eagle Bank and Trust Company of Missouri is a regional, FDIC-insured bank headquartered in the St. Louis metropolitan area (Clayton/St. Louis, MO), founded in 1988 and operating with 501-1,000 employees. The bank conducts business under the trade name Enterprise Bank and Trust (DBA of Enterprise Financial Services Corp) and serves both business and personal customers across the Midwest, with its primary market centered on the St. Louis region.

The institution operates a horizontally segmented platform across three primary customer units: Business Banking (commercial checking/savings, business borrowing, cash management, employee services, and specialized industry banking), Personal Banking (consumer checking/savings, mortgages, personal loans, digital banking, and investing), and Enterprise University (a no-cost skill development program for business leaders). Underlying technology consists of an online banking portal, a mobile banking application, and credit-card self-service integrated with ezcardinfo, alongside wealth management delivery stitched through eMoney Advisor, Fidelity, and a Salesforce-based Client Portal. The bank also publishes a Community Impact Report and operates a podcast and News & Insights content hub supporting community engagement and brand awareness.

Revenue is generated through four primary streams: net interest income from commercial and consumer lending (the dominant stream for a depository institution), transactional and account fees (deposits, wires, account maintenance), subscription-style cash management and treasury services, and recurring wealth management economics routed through third-party providers. Distribution combines a physical branch network with self-serve digital channels and a relationship-based field motion targeting business clients; pricing is not publicly disclosed and is set through direct consultation. The entity holds FDIC insurance and Equal Housing Lender designations as core regulatory credentials.

Name

Eagle Bank and Trust Company of Missouri

Legal name

Enterprise Financial Services Corp

Website

https://eaglebankandtrust.com

Company type

Private

Founded year

2005

Operating status

Operating

Headcount range

501–1,000 employees

Short description

Eagle Bank and Trust Company of Missouri is an FDIC-insured regional bank headquartered in St. Louis, Missouri, operating as Enterprise Bank and Trust. It serves business and personal customers through deposit accounts, commercial and consumer lending, cash management, wealth management, and digital banking channels.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

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

Keywords

• Retail banking services
• Commercial lending
• Cash management
• Wealth management
• Digital banking

Headquarters

HQ city

St Louis

HQ country

United States

HQ region

North America

Offices1 record

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. Interest Income: Traditional bank lending revenue from business loans, personal loans, mortgages, and specialized lending products
2. Banking Fees and Service Charges: Fee income from deposit accounts, transaction processing, wire transfers, and account maintenance services
3. Cash Management Services: Business cash management solutions including liquidity management, payment processing, and employee services
4. Wealth Management: Investment management and wealth advisory services for individuals and businesses

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Eagle Bank and Trust Company of Missouri (operating as Enterprise Bank & Trust) is a community-focused regional bank providing deposit accounts, lending products, cash management, and wealth management services to both business and personal customers in the St. Louis, Missouri area. The bank combines physical branch-based relationship banking with digital channels (online and mobile banking) and offers specialized services such as employee benefits and industry-specific banking solutions, alongside an educational program called Enterprise University.

Product overview

Enterprise Bank & Trust offers a unified banking platform combining business and personal banking services. The core offerings include Business Banking and Personal Banking with integrated Borrowing services. The product suite includes Digital Banking (online and mobile access), Cash Management, and Employee Services for business customers, while personal customers have access to Investing and Wealth Management through eMoney and Fidelity integrations. Enterprise University provides no-cost skill development for business leaders. The bank also offers Specialized Services for complex business needs.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Banking

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators1 record

Recent moves5 records

Expansion highlights5 records

Direct peers

• Simmons Bank: Simmons First National Corp operates a regional commercial bank serving businesses and consumers across the Midwest and South with comparable deposit, lending, and treasury products. Comparable scale and product mix make it a direct peer.
• UMB Bank: UMB Financial is a Midwestern bank holding company with commercial banking, treasury, and wealth management services across multiple states including Missouri. Comparable as a multi-product regional bank with similar SMB and middle-market emphasis.
• Commerce Bank: Commerce Bank is a Kansas City-based regional bank with a deep St. Louis/Missouri presence offering business and personal banking, cash management, and wealth services. It is the most directly comparable mid-sized regional competitor in the same footprint.
• First Bank (First Bancorp): First Bank, headquartered in Creve Coeur, Missouri, offers community-focused business and personal banking in the St. Louis metro. Overlapping geography, customer base, and product mix make it a direct local peer.

Broad incumbents

• BMO Harris Bank: BMO Harris is a large national commercial bank with a significant St. Louis and Midwest branch presence offering full-service business, personal, and wealth banking. It competes for the same SMB and middle-market customers but at much larger scale.
• U.S. Bank: U.S. Bank is a top-five U.S. commercial bank with substantial St. Louis operations spanning commercial lending, treasury management, and wealth services. It represents the incumbent competitive ceiling the regional bank must differentiate against.

Regional players

• Midwest BankCentre: Midwest BankCentre is a St. Louis-area community bank serving businesses and consumers with deposits, lending, and treasury products. Comparable community-bank positioning in the same metro, though smaller in scale.

Emerging players

• Luther Burbank Savings: Luther Burbank Savings is a mid-sized commercial bank focused on commercial real estate and business lending, illustrating an alternative regional banking model. Relevant as a benchmark for mid-sized regional bank economics and product mix.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/EagleBank
• LinkedInlinkedin.com/company/enterprise-bank-&-trust
• Xx.com/eaglebankstl

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about Eagle Bank and Trust Company of Missouri