ENTERPRISE FINANCIAL SERVICES CORP (EFSC) Q3 2025 10-Q Quarterly Report
ENTERPRISE FINANCIAL SERVICES CORP (EFSC) 10-Q quarterly report for Q3 2025, filed with SEC EDGAR on Oct 31, 2025 for the fiscal period ending Sep 30, 2025. This page provides AI-powered analysis including management discussion & analysis (MD&A), risk factor updates, and key quarterly financial data such as revenue and net income extracted from XBRL.
ENTERPRISE FINANCIAL SERVICES CORP Q3 2025 10-Q Analysis
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
ENTERPRISE FINANCIAL SERVICES CORP Q3 2025 Quarterly FinancialsXBRL
Revenue
$225M
▲ +4.2% YoY▲ +2.9% QoQ
Net Income
$45M
▼ -10.6% YoY▼ -12.0% QoQ
Net Margin
20.1%
▼ -332bp YoY▼ -340bp QoQ
ROE
2.3%
Total Assets
$16.4B
EPS (Diluted)
$1.19
▼ -9.8% YoY▼ -12.5% QoQ
Operating Cash Flow
$49M
▼ -44.6% YoY▼ -19.5% QoQ
Source: XBRL data from ENTERPRISE FINANCIAL SERVICES CORP Q3 2025 10-Q filing on SEC EDGAR. All figures in USD.
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