Short answer
ENTERPRISE FINANCIAL SERVICES CORP (EFSC) filed its Q3 2025 10-Q quarterly report on Oct 31, 2025 for the quarter ended Sep 30, 2025. Quarterly revenue was $225M (up 4.2% year over year) with net income of $45M.
Q3 2025 key financials · XBRL
- Revenue
- $225M
- +4.2% YoY · +2.9% QoQ
- Net income
- $45M
- −10.6% YoY · −12.0% QoQ
- EPS (diluted)
- $1.19
- −9.8% YoY · −12.5% QoQ
Source: XBRL data from the ENTERPRISE FINANCIAL SERVICES CORP (EFSC) Q3 2025 10-Q on SEC EDGAR. USD.
ENTERPRISE FINANCIAL SERVICES CORP Q3 2025 10-Q analysis
AI summary of MD&A and risk factor updates
Risk Factors
- New risk: Insurance proceeds from tax credit recapture triggered $32.1M anticipated noninterest income, raising uncertainty around timing and receipt
- Material update: Nonperforming assets ratio increased to 0.83% from 0.30% due to a $12M life insurance premium loan moving to nonperforming status
- Regulatory risk: Regulatory capital ratios remain above “well-capitalized” levels, supporting compliance with banking regulations amid asset quality pressures
- Operational risk: Higher loan and legal expenses related to loan workouts and OREO rose, increasing noninterest expense by $4.1M QoQ, impacting near-term profitability
- Financial risk: Deposit balances grew $421.4M to $13.6B with stable loan-to-deposit ratio at 85%, while interest expense declined $16.4M YoY due to cost reductions on deposits
Generated from the filing text; verify against the original. 10-K vs 10-Q vs 8-K
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