This institution is no longer active

Operations ceased on July 1, 2025. CRA examination history below reflects the period it was active.

ENTERPRISE BANK AND TRUST COMPANY

LOWELL, MA · Supervised by FDIC

Est. 1989FDIC #27,408RSSD: FDIC-27408

Part ofENTERPRISE BCORP INC→ View all charters

Satisfactory Same

Current rating · Exam: January 2024

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.06%

Is this bank safe?

ENTERPRISE BANK AND TRUST COMPANY holds a Satisfactory CRA rating (2024), meets basic financial requirements (ROA +0.06%).

Institution Profile

FDIC BankFind

Address

222 Merrimack St, LOWELL, MA

County

Middlesex County

Established

January 3, 1989

Total Assets

$5.0B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2024

Exam Type

Large Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Jan 2028(based on asset size)

Financial Snapshot

As of Q2 2025Call Report / FDIC

Total Assets

$5.0B

Total Deposits

$4.4B

Net Loans

$4.0B

Net Income

$2M

ROA

0.06%

Below avg for Community banks. Peer avg: 0.90%

ROE

0.71%

Risk-Based Capital

12.84%

Below avg for Community banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

Compared to the peer-bank Community peer group (same asset tier).

ROA0.06%Peer avg: 0.90%▼ Below avg

Risk-Based Capital12.84%Peer avg: 12.91%▼ Below avg

Mortgage Denial Rate4.82%Peer avg: 10.20%▼ Fewer than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$4.4B

1-Year Change

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	456	77.63%	4.82%
2023	462	79.65%	2.16%
2022	615	79.35%	3.09%
2021	751	75.9%	5.86%
2020	848	69.1%	7.19%
2019	659	74.51%	5.46%
2018	670	72.24%	7.46%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Community bank avg: 10.20% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Jan 2024	Satisfactory	Large Bank
Sep 2020	Satisfactory	Large Bank
Aug 2017	Satisfactory	Large Bank

9 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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