🏦Bank Scorer

ENTERPRISE BANK OF SOUTH CAROLINA

EHRHARDT, SC · Supervised by FDIC

Est. 1920FDIC #11,539RSSD: FDIC-11539
Part ofVARN FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: June 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 8.55%

Institution Profile

FDIC BankFind

Website

ebsc.bank

Address

13497 Broxton Bridge Rd, EHRHARDT, SC

County

Bamberg County

Established

January 1, 1920

Total Assets

$522M(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

June 1, 2025

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jun 2029(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$522M

Total Deposits

$466M

Net Loans

$283M

Net Income

$11M

ROA

8.55%

ROE

123.01%

Risk-Based Capital

16.43%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

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

Mortgage Denial Rate9.46%Peer avg: 7.63%▼ Below avg

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Branch Footprint

FDIC SOD 2025

Total Branches

12

Branch Deposits

$468M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
202314877.03%9.46%
202221883.03%5.50%
202117984.36%8.38%
202022074.55%9.55%
201916779.04%8.98%
201816075.63%15.63%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

11 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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