{"schema_version":"secwatch.filing_event.v1","accession":"0001025835-25-000205","form_type":"8-K","ticker":"EFSC","cik":"0001025835","company_name":"ENTERPRISE FINANCIAL SERVICES CORP","filed_at":"2025-10-27T23:59:59+00:00","discovered_at":"2026-05-14T18:02:38.580837+00:00","generated_at":"2026-05-17T02:07:37.315580+00:00","sec_items":["2.02","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"Enterprise Financial Q3 net income $45.2M ($1.19 EPS) down from Q2; NIM expands to 4.23%","bullets":["Net income $45.2M, diluted EPS $1.19 (vs $1.36 Q2 and $1.32 year ago); adjusted EPS $1.20.","Net interest income $158.3M, up $5.5M linked; NIM 4.23% (+2 bps); deposits up $250.6M to $13.6B.","Nonperforming assets ratio 0.83% (vs 0.71% Q2); provision for credit losses $8.4M (vs $3.5M Q2).","Quarterly dividend raised $0.01 to $0.32 for Q4 2025; completed acquisition of 12 branches in AZ and KS.","Tangible book value $41.58 (+15% annualized); ROATCE 11.56% (vs 13.84% Q2)."],"urls":{"canonical":"https://secwatch.observer/filing/0001025835-25-000205","json":"https://secwatch.observer/filing/0001025835-25-000205.json","markdown":"https://secwatch.observer/filing/0001025835-25-000205.md","text":"https://secwatch.observer/filing/0001025835-25-000205.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/0001025835-25-000205-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1025835/000102583525000205/efsc-20251027.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-17T02:07:37.315580+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"}