---
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"
generated_at: "2026-07-22T20:07:43.298852+00:00"
event_type: "earnings"
sentiment: "negative"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# EFSC Q2 net income $40.9M ($1.09 EPS) down 16% QoQ; credit costs rise

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: negative
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 8.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001025835-26-000141
- JSON: https://secwatch.observer/filing/0001025835-26-000141.json
- Plain text: https://secwatch.observer/filing/0001025835-26-000141.txt

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