<span item_type="fundamental" item_id="09e11fcdb3ee5d87fdbf0d5a593b928b" counter_id="ST/US/EFSCP" env="prod"></span><span item_type="announcement" item_id="576258805464043649" env="prod"></span><p>Revenue: As of FY2025 Q3, the actual value is USD 204.94 M.</p><p>EPS: As of FY2025 Q3, the actual value is USD 1.19.</p><p>EBIT: As of FY2025 Q3, the actual value is USD -71.59 M.</p><p></p><h3>Net Income</h3><ul><li>Net income for the third quarter of 2025 was $45.2 million, a decrease of $6.1 million from the linked quarter and $5.4 million from the prior year quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/ex991financialstatementsan.htm"></span><span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/q32025efscearningsreleas.htm"></span></li></ul><h3>Net Interest Income and Margin</h3><ul><li>Net interest income was $158.3 million, an increase of $5.5 million from the linked quarter and $14.8 million from the prior year quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/ex991financialstatementsan.htm"></span><span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/q32025efscearningsreleas.htm"></span></li><li>Net interest margin (NIM) was 4.23%, up from 4.21% in the linked quarter and 4.17% in the prior year quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/ex991financialstatementsan.htm"></span></li></ul><h3>Loans and Deposits</h3><ul><li>Total loans were $11.6 billion, an increase of $174.3 million from the linked quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/ex991financialstatementsan.htm"></span><span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/q32025efscearningsreleas.htm"></span></li><li>Total deposits were $13.6 billion, an increase of $250.6 million from the linked quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/ex991financialstatementsan.htm"></span><span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/q32025efscearningsreleas.htm"></span></li><li>Loan/Deposit Ratio was 85.4%.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/q32025efscearningsreleas.htm"></span></li></ul><h3>Noninterest Income</h3><ul><li>Noninterest income was $46.6 million, including $30.1 million of anticipated insurance proceeds related to a tax credit recapture event.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/ex991financialstatementsan.htm"></span></li></ul><h3>Noninterest Expense</h3><ul><li>Noninterest expense was $109.8 million, an increase of $4.1 million from the linked quarter and $11.8 million from the prior year quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/ex991financialstatementsan.htm"></span></li></ul><h3>Asset Quality</h3><ul><li>The allowance for credit losses to total loans was 1.29% at September 30, 2025.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/ex991financialstatementsan.htm"></span></li><li>Nonperforming assets were 0.83% of total assets, up from 0.71% in the linked quarter.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/ex991financialstatementsan.htm"></span></li><li>Nonperforming Loans/Loans was 1.10%.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/q32025efscearningsreleas.htm"></span></li><li>Net Charge-Offs were $4.1 million.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/q32025efscearningsreleas.htm"></span></li></ul><h3>Capital</h3><ul><li>Tangible Common Equity/Tangible Assets was 9.60%, compared to 9.42%.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/q32025efscearningsreleas.htm"></span></li><li>Tangible Book Value Per Common Share was $41.58, compared to $40.02.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/q32025efscearningsreleas.htm"></span></li><li>CET1 Ratio was 12.0%, compared to 11.9%.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/q32025efscearningsreleas.htm"></span></li></ul><h3>Outlook / Guidance</h3><p>The company expects to continue its focus on loan and deposit growth, with an emphasis on maintaining asset quality and managing expenses. The recent acquisition of branches in Arizona and Kansas is expected to enhance market presence and funding profile.<span class="superscript" item_id="0" item_type="announcement_file" value="1" url="https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/ex991financialstatementsan.htm"></span> The company anticipates continued growth in revenue and asset base, with a focus on loan and deposit growth. It aims to maintain a strong capital position and enhance stockholder value through strategic acquisitions and efficient integration.<span class="superscript" item_id="0" item_type="announcement_file" value="2" url="https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/q32025efscearningsreleas.htm"></span></p>

Enterprise Financial Pref Share EFSCP 5 Perp 12/15/26 | 8-K: FY2025 Q3 Revenue: USD 204.94 M