Enterprise Financial Services
24 named things its latest annual report says its results depend on, each in the company's own words. 13 of them are also named by other companies we've read.
Suppliers
Third-party technology vendors
depends onnamed as a riskWe rely on third-party vendors to provide key components of our business infrastructure.Risk factors (Item 1A)
Other companies
First Interstate Bank
$292.0 million in loans and $609.5 million in depositsnamed as a riskIn 2025, the Company expanded its presence in Arizona and Kansas City through an acquisition of 12 former First Interstate Bank branches (the “Branch Acquisition”) that added $292.0 million in loans and $609.5 million in deposits as of December 31, 2025.Business (Item 1)
Life insurance providers
depends onnamed as a riskIn particular, if one or more large nationwide life insurance providers were to fail, the value of our portfolio could be significantly negatively impacted.Risk factors (Item 1A)
Places
St. Louis
concentrated innamed as a riskA majority of our loans are to businesses and individuals in the St. Louis, Kansas City, Phoenix, Los Alamos, Albuquerque, Santa Fe, Los Angeles, San Diego, Dallas, and Las Vegas metropolitan areas.Risk factors (Item 1A)
Kansas City
concentrated innamed as a riskA majority of our loans are to businesses and individuals in the St. Louis, Kansas City, Phoenix, Los Alamos, Albuquerque, Santa Fe, Los Angeles, San Diego, Dallas, and Las Vegas metropolitan areas.Risk factors (Item 1A)
Phoenix
concentrated innamed as a riskA majority of our loans are to businesses and individuals in the St. Louis, Kansas City, Phoenix, Los Alamos, Albuquerque, Santa Fe, Los Angeles, San Diego, Dallas, and Las Vegas metropolitan areas.Risk factors (Item 1A)
Hazards
Wildfires and earthquakes
named as a riskSevere weather events may cause operational disruptions and damage to both our properties and properties securing our loans.Risk factors (Item 1A)
Commodities and inputs
Brokered deposits
depends onnamed as a riskOur utilization of brokered deposits could adversely affect our liquidity and results of operations.Risk factors (Item 1A)
Agency mortgage-backed securities
exposed to its pricenamed as a riskWe invest in mortgage-backed obligations and such obligations have been, and are likely to continue to be, impacted by market dislocations, declining home values and prepayment risk, which may lead to volatility in cash flow and market risk and declines in the value of our investment portfolio.Risk factors (Item 1A)
Regulators
U.S. Department of the Treasury CDFI Fund
subject to · $80.0 millionnamed as a riskIf we fail to comply with requirements of the federal New Markets Tax Credit program, the Treasury CDFI could seek any remedies available under its Allocation Agreement with us, and we could suffer significant reputational harm and be subject to greater scrutiny from banking regulators.Risk factors (Item 1A)
Consumer Financial Protection Bureau (CFPB)
subject to · more than $10 billion in assetsThe Company has more than $10 billion in assets and therefore is subject to examination by the CFPB.Business (Item 1)
Also named by ABNB, AFRM, ALLY, AN, AUB, AXP, BAC, CASH and 61 more
Federal Reserve
subject toThe Company is a financial holding company registered under the BHCA and is subject to regulation, supervision and examination by the Federal Reserve.Business (Item 1)
Also named by AGNC, AUB, AXP, BAC, CASH, COF, DX, EWBC and 24 more
FDIC
subject toIn addition, as a Federal Reserve non-member bank, the Bank is subject to supervision and regulation by the FDIC.Business (Item 1)
Missouri Division of Finance
subject toThe Bank is a Missouri trust company with banking powers and is subject to supervision and regulation by the Missouri Division of Finance.Business (Item 1)
Also named by SF
Laws and programs
Durbin Amendment
subject to · 21 cents plus 5 basis pointsnamed as a riskThe Durbin Amendment cap became effective for the Bank on July 1, 2022 and resulted in a reduction in interchange income earned by the Bank.Business (Item 1)
Basel III Capital Rules
subject to · $93.6 million of trust preferred securitiesnamed as a riskAt December 31, 2025, the Company had $93.6 million of trust preferred securities that are grandfathered under this provision.Business (Item 1)
SBA 7(a) loan program
subject to · 75% portion guaranteed by the SBAnamed as a riskOur SBA lending program is dependent upon the U.S. federal government.Risk factors (Item 1A)
Also named by FSUN
New Markets Tax Credit Program
subject to · $433.0 millionnamed as a riskWe may be obligated to indemnify certain counterparties in financing transactions we enter into pursuant to the New Markets Tax Credit Program.Risk factors (Item 1A)
FDIC special assessment
subject to · approximately 13.4 basis points per yearThe special assessments were collected at an annual rate of approximately 13.4 basis points per year (3.36 basis points per quarter) over eight quarters in 2024 and 2025.Business (Item 1)
Also named by BPOP, CFG, CFR, CUBI, EWBC, FCNCA, GBCI, HBAN and 10 more
Community Reinvestment Act (CRA)
subject tonamed as a riskIf the Bank fails to maintain at least a "satisfactory" rating under the CRA, it would be subject to restrictions on certain new activities and acquisitions.Business (Item 1)
Also named by ALLY, AMP, AUB, CFG, CFR, EWBC, FCNCA, FHN and 20 more
Bank Secrecy Act
subject tonamed as a riskWe are subject to compliance with the Bank Secrecy Act and other anti-money laundering statutes and regulations, and failure to comply with these laws could lead to a wide variety of sanctions.Risk factors (Item 1A)
Also named by AUB, BAC, CASH, CPAY, CUBI, EWBC, EZPW, FISV and 10 more
SBA Preferred Lenders Program
subject tonamed as a riskIf we lose our status as a Preferred Lender, we may lose some or all of our clients to lenders who are Preferred Lenders, and as a result we could experience a material adverse effect to our financial results.Risk factors (Item 1A)
CRE concentration guidance
subject tonamed as a riskThe Bank’s lending operations may be subject to enhanced scrutiny by federal banking regulators based on its concentration of CRE loans.Business (Item 1)