Enterprise Financial Services (EFSC) Investor presentation summary

Business model and positioning

• Focused commercial banking model spans lending and deposit verticals, multiple geographies, and privately owned businesses; differentiation centers on client service, digital tools, and experienced leadership.

• At 3Q26, total assets were $17.8B, deposits $15.1B, and loans $12.3B; market capitalization was $2.2B as of Oct. 22, 2026.

• 54-branch network averaged $203M in deposits per branch, excluding national deposit verticals; deposit and SBA loan production offices also extend the footprint nationally.

• Midwest held 46% of deposits, Southwest 18%, West 8%, and deposit verticals 28%; deposit mix included DDA 33%, MMA and savings 31%, interest-bearing demand 25%, and CDs 11%.

Portfolio and growth strategy

• Loan portfolio totaled $12.3B at 3Q26; C&I was 44% by product type, with CRE owner-occupied 20%, CRE interest-only 26%, construction 6%, residential 3%, and other 1%.

• Specialty lending included $1.2B of SBA 7(a) loans, $1.4B of life insurance premium finance loans, $714M of sponsor finance loans, and $750M of tax-credit loans outstanding.

• Deposit verticals included $1.8B in property management deposits, $1.5B in community association deposits, and $901M in legal industry and escrow deposits.

• 10-year CAGRs through 3Q26 were 15.0% for loans and 17.1% for deposits; stated growth priorities include Southwest and West markets and mid- to high-single-digit annual balance-sheet growth.

• From 2021 through 3Q26, 42 producers were hired to add density and capability in focus geographies; 13 Phoenix and 4 Kansas hires were tied to branch acquisitions.

Financial performance and capital

• 3Q26 YTD PPNR was $213M and PPNR ROAA was 1.63%; 2025 full-year figures were $255M and 1.70%, respectively.

• Net interest margin was 4.29% for 3Q26 YTD, versus 3.41% in 2021; the presentation characterized 3Q26 performance as top quartile.

• 3Q26 capital and liquidity metrics included $7.1B available liquidity, 11.1% CET1, 8.13% TCE, and 63% adjustable-rate loans; adjusted ROATCE was 11.4% YTD.

• Nine-month 2026 ROATCE was 11.22% and adjusted ROATCE 11.44%; CET1 was 11.1% GAAP and 9.2% excluding unrealized securities losses.

• Capital priorities include maintaining 8–9% TCE, regular dividend increases, active share repurchases, and flexibility for organic growth and M&A; $34.0M was returned through repurchases in 3Q26.