Damon Del Monte

Brian Martin

Jeff Rulis

Andrew Liesch

David Long

Nathan Race

Ryan Pan

- **Enterprise Financial Services Corp (EFSC)** reported **$16.4 billion in Total Assets**, **$13.6 billion in Total Deposits**, and **$11.6 billion in Total Loans** as of **Q3 2025**.  **[1025835_0001025835-25-000208_efscinvestorpresentation.htm:3]** **[1025835_0001025835-25-000208_efscinvestorpresentation.htm:4]** **[1025835_0001025835-25-000208_efscinvestorpresentation.htm:5]** 
- The company completed the acquisition of **12 branches in Arizona and Kansas** on **October 10, 2025**, a transaction that required **no capital raise or share issuance** and is anticipated to be **mid to high single digit full year EPS accretive**.   
- Key financial metrics for **Q3 2025** include a **Tangible Common Equity (TCE) Ratio of 9.60%**, a **CET1 Ratio of 12.0%** (11.2% adjusted for unrealized losses), and **$6.8 billion in available liquidity**.  **[1025835_0001025835-25-000208_efscinvestorpresentation.htm:3]**    
- **EFSC**'s strategic focus includes **differentiated deposit verticals**, a **balanced loan portfolio**, and a **Net Interest Margin (NIM) of 3.41%** for **Q3 2025**.  **[1025835_0001025835-25-000208_efscinvestorpresentation.htm:4]** **[1025835_0001025835-25-000208_efscinvestorpresentation.htm:5]** **[1025835_0001025835-25-000208_efscinvestorpresentation.htm:8]**

EFSC Presents Q3 2025 Investor Update

- Enterprise Financial Services Corp reported **diluted earnings per share of $1.19** for Q3 2025, with net interest income improving by **$5.5 million** and net interest margin expanding by **two basis points to 4.23%**.  **[0001025835_2209615_1]** 
- The company achieved an annualized loan growth of **6%** and deposit growth of **$240 million** (net of brokered CDs) in Q3 2025.  **[0001025835_2209615_1]** 
- EFSC completed the acquisition of **12 branches** (10 in Arizona and two in Kansas City), which garnered approximately **$650 million of deposits and $300 million in loans**.  **[0001025835_2209615_1]** 
- Non-performing assets increased by **$22 million** to **83 basis points**, primarily due to specific loans, but management expects them to return to historical levels.  **[0001025835_2209615_1]** **[0001025835_2209615_5]**  The company's capital position remains strong, with a tangible common equity ratio of **9.6%** and a CET1 ratio of **12%**.  **[0001025835_2209615_8]**  The quarterly dividend was increased by **$0.01 to $0.32 per share** for Q4 2025.  **[0001025835_2209615_8]**

EFSC Reports Q3 2025 Earnings with Loan and Deposit Growth, Completes Branch Acquisition

- **EFSC** reported **$1.19 per diluted share** for Q3 2025, with net interest income improving by **$5.5 million** and net interest margin expanding by **two basis points to 4.23%**.  **[0001025835_2208436_1]** **[0001025835_2208436_6]** 
- The company achieved an annualized loan growth of **6%** and client deposit growth of **$241 million** in the linked quarter.  **[0001025835_2208436_1]** **[0001025835_2208436_5]**  A recent acquisition of **12 branches** added approximately **$650 million in deposits** and **$300 million in loans**, and is projected to be **five basis points accretive** to net interest margin in Q4.  **[0001025835_2208436_1]** **[0001025835_2208436_7]** 
- Non-performing assets increased by **$22 million to 83 basis points** of total assets, largely due to a **$12 million life insurance premium finance loan** and **$68.4 million in commercial real estate loans**, which management expects to fully collect.  **[0001025835_2208436_1]** **[0001025835_2208436_5]** **[0001025835_2208436_7]**  The quarter's results also included a **$24 million recapture of solar tax credits**, offset by an anticipated **$30 million insurance recovery**.  **[0001025835_2208436_6]** **[0001025835_2208436_7]** 
- Capital metrics remained strong, with the tangible common equity ratio at **9.6%** and the CET1 ratio at a historical high of **12%**.  **[0001025835_2208436_8]**  The quarterly dividend was increased by **$0.01 to $0.32 per share** for Q4 2025.  **[0001025835_2208436_8]**

EFSC Reports Q3 2025 Earnings, Loan and Deposit Growth, and Acquisition Impact

- Enterprise Financial Services Corp reported **net income of $45.2 million** and **diluted earnings per common share of $1.19** for the third quarter of 2025.  **[1025835_0001025835-25-000205_ex991financialstatementsan.htm:0]** **[1025835_0001025835-25-000205_ex991financialstatementsan.htm:18]** 
- **Net interest income increased to $158.3 million**, a **$5.5 million** increase from the linked quarter, with a **Net Interest Margin (NIM) of 4.23%**.  **[1025835_0001025835-25-000205_ex991financialstatementsan.htm:0]** **[1025835_0001025835-25-000205_ex991financialstatementsan.htm:18]** 
- The company reported solid growth in its portfolio, with **total loans reaching $11.6 billion** (a **$174.3 million** quarterly increase) and **total deposits growing to $13.6 billion** (a **$250.6 million** quarterly increase).  **[1025835_0001025835-25-000205_ex991financialstatementsan.htm:0]** **[1025835_0001025835-25-000205_ex991financialstatementsan.htm:18]** 
- Third quarter results included **$30.1 million** in anticipated insurance proceeds from a pending claim related to a solar tax credit recapture event, which impacted noninterest income and income tax expense.  **[1025835_0001025835-25-000205_ex991financialstatementsan.htm:1]** **[1025835_0001025835-25-000205_ex991financialstatementsan.htm:9]** 
- The Board of Directors approved an increase in the quarterly common stock dividend by **$0.01 to $0.32 per share** for the fourth quarter of 2025.  **[1025835_0001025835-25-000205_ex991financialstatementsan.htm:0]** **[1025835_0001025835-25-000205_q32025efscearningsreleas.htm:3]**

Enterprise Financial Services Corp Reports Third Quarter 2025 Results

- **Enterprise Financial Services Corp (EFSC)** announced the completion of its subsidiary Enterprise Bank & Trust's acquisition of **twelve branches** from First Interstate Bank on **October 14, 2025**.  **[1025835_0001025835-25-000190_exhibit991branchacquisitio.htm:0]** 
- The acquisition includes **ten branches in Arizona** and **two branches in Kansas**, expanding EFSC's presence in these markets.  **[1025835_0001025835-25-000190_exhibit991branchacquisitio.htm:0]** 
- The transaction added approximately **$300 million in loans** and **$645 million in deposits**.  **[1025835_0001025835-25-000190_exhibit991branchacquisitio.htm:0]** 
- Following the acquisition, Enterprise Financial Services Corp will have approximately **$17 billion in total assets**.  **[1025835_0001025835-25-000190_exhibit991branchacquisitio.htm:0]**

EFSC Completes Branch Acquisition from First Interstate Bank

- Effective **October 1, 2025**, **Scott Goodman** transitioned to a part-time, non-management role as Vice-Chairman of Enterprise Bank & Trust.  **[1025835_0001025835-25-000178_efsc-20251001.htm:1]** 
- **Doug Bauche** was promoted to **Chief Banking Officer** with an annual base salary of **$500,000** and a target incentive of **50% of his salary**.  **[1025835_0001025835-25-000178_ex102.htm:0]** **[1025835_0001025835-25-000178_efsc-20251001.htm:1]** 
- **Keene Turner** was promoted to **Chief Operating Officer** in addition to his Chief Financial Officer role.  **[1025835_0001025835-25-000178_ex101.htm:0]** **[1025835_0001025835-25-000178_efsc-20251001.htm:1]** 
- **Kevin Handley** was promoted to **Chief Credit Officer**, and **Troy Dumlao** was promoted to Chief Financial Officer of Enterprise Bank & Trust.  **[1025835_0001025835-25-000178_efsc-20251001.htm:1]**

ENTERPRISE FINANCIAL SERVICES CORP Announces Management Appointments and Compensation Changes

- For Q2 2025, Enterprise Financial Services Corp reported **$16.1 billion** in total assets, **$13.3 billion** in total deposits, and **$11.4 billion** in total loans.  **[1025835_0001025835-25-000175_efscinvestorpresentation.htm:3]**  The company achieved an Adjusted Return on Average Tangible Common Equity (ROATCE) year-to-date of **14.0%** and a CET1 Ratio of **11.9%**.  **[1025835_0001025835-25-000175_efscinvestorpresentation.htm:3]** **[1025835_0001025835-25-000175_efscinvestorpresentation.htm:6]** 
- The company announced the acquisition of **12 branches** in Arizona and Kansas, holding **$739.618 million** in deposits and **$199.642 million** in loans as of March 31, 2025.  **[1025835_0001025835-25-000175_efscinvestorpresentation.htm:4]**  This transaction is expected to close by **early fourth quarter of 2025** and is anticipated to be mid to high single digit full year EPS accretive.  **[1025835_0001025835-25-000175_efscinvestorpresentation.htm:4]** 
- EFSC maintains a strong capital foundation with a Tangible Common Equity (TCE) Ratio of **9.42%** and **$6.6 billion** in available liquidity as of Q2 2025.  **[1025835_0001025835-25-000175_efscinvestorpresentation.htm:3]** **[1025835_0001025835-25-000175_efscinvestorpresentation.htm:6]** 
- The company's loan portfolio is diversified with **43%** in Commercial & Industrial (C&I) loans, and its deposit base includes significant verticals like Community Associations (**$1.5 billion**) and Property Management (**$1.3 billion**).  **[1025835_0001025835-25-000175_efscinvestorpresentation.htm:3]** **[1025835_0001025835-25-000175_efscinvestorpresentation.htm:5]**

ENTERPRISE FINANCIAL SERVICES (EFSC)