Regulatory Matters

12 Months Ended

Dec. 31, 2015

Regulated Operations [Abstract]

Regulatory Matters

REGULATORY MATTERS

Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum amounts and ratios (set forth in the following table) of total, Tier 1, and Common equity tier 1 capital to risk-weighted assets, and of Tier 1 capital to average assets. Management believes, as of December 31, 2015 and 2014, that the Company met all capital adequacy requirements to which it is subject.

As of December 31, 2015 and 2014, the Bank was categorized as “well capitalized” under the regulatory framework for prompt corrective action. To be categorized as “well capitalized” the Bank must maintain minimum total risk-based capital, Tier 1 risk-based capital, Common equity tier 1 risk-based capital, and Tier 1 leverage ratios as set forth in the table.

The actual capital amounts and ratios are presented in the table below:

	Actual				For Capital Adequacy Purposes				To Be Well Capitalized  Under Applicable Action Provisions
(in thousands)	Amount		Ratio		Amount		Ratio		Amount		Ratio
As of December 31, 2015:
Total Capital (to Risk Weighted Assets)
Enterprise Financial Services Corp	$	418,367	11.85	%	$	282,442	8.00	%	$	—	—	%
Enterprise Bank & Trust	386,531		10.98		281,632		8.00		352,040		10.00
Tier 1 Capital (to Risk Weighted Assets)
Enterprise Financial Services Corp	374,676		10.61		211,831		6.00		—		—
Enterprise Bank & Trust	342,840		9.74		211,224		6.00		281,632		8.00
Common Equity Tier 1 Capital (to Risk Weighted Assets)1
Enterprise Financial Services Corp	319,553		9.05		158,873		4.50		—		—
Enterprise Bank & Trust	342,816		9.74		158,418		4.50		228,826		6.50
Leverage Ratio (Tier 1 Capital to Average Assets)
Enterprise Financial Services Corp	374,676		10.71		139,893		4.00		—		—
Enterprise Bank & Trust	342,840		9.84		139,311		4.00		174,138		5.00
As of December 31, 2014:
Total Capital (to Risk Weighted Assets)
Enterprise Financial Services Corp	$	369,868	13.40	%	$	220,858	8.00	%	$	—	—	%
Enterprise Bank & Trust	343,334		12.51		219,645		8.00		274,556		10.00
Tier 1 Capital (to Risk Weighted Assets)
Enterprise Financial Services Corp	335,221		12.14		110,429		4.00		—		—
Enterprise Bank & Trust	308,874		11.25		109,823		4.00		164,734		6.00
Leverage Ratio (Tier 1 Capital to Average Assets)
Enterprise Financial Services Corp	335,221		10.48		96,000		3.00		—		—
Enterprise Bank & Trust	308,874		9.71		95,411		3.00		159,018		5.00
1 Not an applicable regulatory ratio until implementation of Basel III in 2015