{"schema_version":"secwatch.filing_event.v1","accession":"0001025835-25-000119","form_type":"8-K","ticker":"EFSC","cik":"0001025835","company_name":"ENTERPRISE FINANCIAL SERVICES CORP","filed_at":"2025-07-28T23:59:59+00:00","discovered_at":"2026-05-14T18:02:43.151013+00:00","generated_at":"2026-05-18T00:04:34.837419+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"EFSC Q2 2025: EPS $1.36, NIM 4.21%, loans up $110M, dividend raised to $0.31","bullets":["Net income $51.4M ($1.36 diluted EPS) vs $1.31 linked qtr and $1.19 prior year qtr.","Net interest margin 4.21%, up 6 bps from linked qtr; net interest income $152.8M (+$5.2M).","Total loans $11.4B (+$110M QoQ); deposits $13.3B (+$283M); loan-to-deposit ratio 86%.","Nonperforming assets 0.71% of assets, up from 0.33% a year ago due to two CRE relationships in bankruptcy; company expects full collection.","Quarterly common dividend raised $0.01 to $0.31 payable Sept 30, 2025."],"urls":{"canonical":"https://secwatch.observer/filing/0001025835-25-000119","json":"https://secwatch.observer/filing/0001025835-25-000119.json","markdown":"https://secwatch.observer/filing/0001025835-25-000119.md","text":"https://secwatch.observer/filing/0001025835-25-000119.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1025835/000102583525000119/0001025835-25-000119-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1025835/000102583525000119/efsc-20250728.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-18T00:04:34.837419+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}