secwatch.observer — SEC 8-K summary
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Issuer:     ENTERPRISE FINANCIAL SERVICES CORP (EFSC)
CIK:        0001025835
Form:       8-K
Filed at:   2025-07-28T23:59:59+00:00
Accession:  0001025835-25-000119
Event type: earnings
Sentiment:  positive
Materiality: 0.70
Item codes: 2.02, 9.01
LLM model:  deepseek-v4-flash:cloud@v2

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

Source:
  EDGAR index:    https://www.sec.gov/Archives/edgar/data/1025835/000102583525000119/0001025835-25-000119-index.htm
  Primary doc:    https://www.sec.gov/Archives/edgar/data/1025835/000102583525000119/efsc-20250728.htm
  HTML page:      https://secwatch.observer/filing/0001025835-25-000119

License: Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer