---
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"
generated_at: "2026-05-18T00:04:34.837419+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.7
calibrated_materiality_score: 0.7
confidence: "high"
source: SEC EDGAR
---

# EFSC Q2 2025: EPS $1.36, NIM 4.21%, loans up $110M, dividend raised to $0.31

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.7
- calibrated_materiality_score: 0.7
- confidence: high
- sec_items: 2.02, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001025835-25-000119
- JSON: https://secwatch.observer/filing/0001025835-25-000119.json
- Plain text: https://secwatch.observer/filing/0001025835-25-000119.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.