{"schema_version":"secwatch.filing_event.v1","accession":"0001025835-26-000141","form_type":"8-K","ticker":"EFSC","cik":"0001025835","company_name":"ENTERPRISE FINANCIAL SERVICES CORP","filed_at":"2026-07-22T20:05:24+00:00","discovered_at":"2026-07-22T20:07:01.535303+00:00","generated_at":"2026-07-22T20:07:43.298852+00:00","sec_items":["2.02","8.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"EFSC Q2 net income $40.9M ($1.09 EPS) down 16% QoQ; credit costs rise","bullets":["Net income $40.9M, diluted EPS $1.09 vs $1.30 linked and $1.36 prior year; adjusted EPS $1.13.","Net interest margin 4.30% (+2 bps QoQ); net interest income $168.7M (+$2.6M QoQ).","Provision for credit losses $14.2M (up from $7.2M linked); net charge-offs $13.6M (46 bps annualized) driven by two accounts.","Nonperforming assets to total assets 0.92% (up from 0.87% linked); allowance to loans 1.17%.","Board authorized repurchase of up to 2M additional shares (~5% of outstanding); quarterly dividend raised $0.01 to $0.35."],"urls":{"canonical":"https://secwatch.observer/filing/0001025835-26-000141","json":"https://secwatch.observer/filing/0001025835-26-000141.json","markdown":"https://secwatch.observer/filing/0001025835-26-000141.md","text":"https://secwatch.observer/filing/0001025835-26-000141.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1025835/000102583526000141/0001025835-26-000141-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1025835/000102583526000141/efsc-20260720.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-07-22T20:07:43.298852+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"}