{"schema_version":"secwatch.filing_event.v1","accession":"0001025835-23-000081","form_type":"8-K","ticker":"EFSC","cik":"0001025835","company_name":"ENTERPRISE FINANCIAL SERVICES CORP","filed_at":"2023-10-23T23:59:59+00:00","discovered_at":"2026-05-14T18:03:27.936260+00:00","generated_at":"2026-06-09T16:07:03.986063+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"Enterprise Financial Q3 net income $44.7M ($1.17 EPS), down 11% QoQ; NIM contracts 16 bps to 4.33%","bullets":["Net income of $44.7M ($1.17 diluted EPS) vs $49.2M ($1.29) linked quarter and $50.2M ($1.32) prior year.","Net interest margin 4.33%, down 16 bps QoQ; net interest income $141.6M, up $0.9M QoQ.","Nonperforming assets jumped to $55.9M (0.40% of assets) from $16.1M (0.12%) linked quarter; provision $8.0M, net charge-offs $6.9M.","Total loans $10.6B (+$104.2M QoQ); deposits $11.9B (+$290M QoQ); noninterest-bearing deposits 32.3% of total.","Quarterly dividend of $0.25 per common share declared, payable Dec 29, 2023."],"urls":{"canonical":"https://secwatch.observer/filing/0001025835-23-000081","json":"https://secwatch.observer/filing/0001025835-23-000081.json","markdown":"https://secwatch.observer/filing/0001025835-23-000081.md","text":"https://secwatch.observer/filing/0001025835-23-000081.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1025835/000102583523000081/0001025835-23-000081-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1025835/000102583523000081/efsc-20231023.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T16:07:03.986063+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"11e4277b026c4252998a5cad8ec6ec0a9872b2b4","claim":"ENTERPRISE FINANCIAL SERVICES CORP reported the quarter ended September 30, 2023 results: net income $44.7 million, EPS $1.17 per diluted common share.","evidence_excerpt":"On October 23, 2023, Enterprise Financial Services Corp (the \"Company\" or \"EFSC\") issued a press release announcing financial information for the quarter ended September 30, 2023.","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1025835/000102583523000081/0001025835-23-000081-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the quarter ended September 30, 2023"},{"label":"Net income","value":"$44.7 million"},{"label":"EPS","value":"$1.17 per diluted common share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}