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This institution is no longer active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

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

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%

ROE

0.71%

Risk-Based Capital

12.84%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Community banks

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

Mortgage Denial Rate4.82%Peer avg: 9.91%▲ Above avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

27

Branch Deposits

$4.4B

1-Year Change

0

5-year net change: +2 branches

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202445677.63%4.82%
202346279.65%2.16%
202261579.35%3.09%
202175175.9%5.86%
202084869.1%7.19%
201965974.51%5.46%
201867072.24%7.46%

2024 national avg denial rate: 23.75% · Community bank avg: 9.91% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating 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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