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Enterprise Financial Services (EFSC) investor relations material
Enterprise Financial Services Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Executive summary
Net income for Q2 2025 was $51.4 million, up $1.4 million from the prior quarter and $5.9 million year-over-year; diluted EPS was $1.36, up from $1.31 sequentially and $1.19 year-over-year.
Net interest income rose to $152.8 million, a $5.2 million increase from the linked quarter and $12.2 million year-over-year, driven by higher loan and securities balances and yields.
Loans grew by $110.1 million to $11.4 billion, and deposits increased by $283.1 million to $13.3 billion compared to the previous quarter.
Tangible book value per share increased to $40.02, an annualized quarterly increase of 15%.
Dividend increased to $0.31 per share for Q3 2025.
Financial highlights
Net interest margin (NIM) was 4.21%, up 6 basis points from the prior quarter and 2 basis points year-over-year.
Return on average assets was 1.30% for Q2 2025, up from 1.25% in Q2 2024; pre-provision ROAA was 1.72%.
Efficiency ratio improved to 60.97% for Q2 2025 from 61.30% in Q2 2024; core efficiency ratio was 59.3%.
Allowance for credit losses on loans was 1.27% of total loans (1.38% adjusted for government guarantees).
CET1 ratio was 11.9%, and tangible common equity to tangible assets was 9.42%.
Outlook and guidance
Management expects continued organic loan and deposit growth, with a focus on high-quality C&I relationships and geographic diversification.
Pending acquisition of 12 branches from First Interstate Bank, expected to close in Q4 2025, will add ~$705 million in deposits and ~$300 million in loans.
Net interest margin anticipated to remain stable or slightly lower in Q3, with upward bias if no rate cuts occur.
Interest rate environment remains a key variable; proactive deposit pricing and hedging strategies are in place to manage NIM.
SBA loan sales and tax credit income will be evaluated quarterly, with seasonal strength expected in Q4.
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