Enterprise Financial Services Corp. reported FY 2025 net income of USD 201.4 million (+8.7%) and diluted EPS of USD 5.31 (+9.9%). Net interest income was USD 626.7 million (+10.3%), with tax-equivalent net interest margin of 4.21% (vs. 4.16%), reflecting a 1.77% total cost of deposits in FY 2025 (vs. 2.12%). Noninterest income totaled USD 113.1 million (+62.3%), including USD 32.1 million of anticipated insurance recoveries tied to a solar tax credit recapture; income tax expense was USD 82.3 million, including the related tax impact. Noninterest expense was USD 429.8 million (+11.6%), and the efficiency ratio was 58.09%. At December 31, 2025, Enterprise Financial’s total assets were USD 17.3 billion (+10.9%), loans were USD 11.8 billion (+5.2%), and deposits were USD 14.6 billion (+11.1%). Asset quality metrics included nonperforming assets of USD 164.4 million and nonperforming loans of USD 82.8 million (0.70% of total loans), while net charge-offs were USD 24.3 million (0.21% of average loans) and the ACL on loans to total loans ratio was 1.19%. During 2025, Enterprise Financial acquired 12 branches from First Interstate Bank, adding USD 609 million in deposits and approximately USD 292 million in loans as of December 31, 2025, and redeemed USD 63.3 million of subordinated debt, funding it with a USD 63.3 million senior note. The company also repurchased 258,739 common shares at a weighted-average price of USD 54.60 and paid common dividends of USD 1.22 per share (+15.0%).

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