Enterprise Financial Services (EFSC) investor relations material

Unique value proposition and business model

• Focused commercial bank diversified across verticals and geographic markets, with empowered associates and digital technology support.

• Tenured management team with an average of 15 years at the company and 24 years in the industry.

• Strong capital foundation and consistent history of delivering results, including top quartile ROAA targets.

• Customer-focused culture with a mission to guide people to financial success and a vision centered on associate pride and community impact.

Financial performance and growth

• Total assets of $17.4B and market cap of $2.4B as of July 2026, with a 10-year CAGR of 9.6% in tangible book value per share.

• 10-year loan CAGR of 15.2% and deposit CAGR of 16.9%, with balance sheet growth driving earnings growth.

• Pre-provision net revenue ROAA increased to 2.06% YTD 2Q26, reflecting strong profitability.

• Net interest margin at 3.41% YTD 2Q26, maintaining top quartile performance.

Diversification and risk management

• Diversified deposit base: Midwest 45%, Southwest 19%, West 8%, and deposit verticals 28%.

• Balanced loan portfolio: C&I 44%, CRE-OO 21%, CRE-IO 26%, specialty 36%, with regional diversification.

• Effective risk management with nonperforming loans at 0.64% of total loans and allowance coverage ratio at 1.17% (1.27% adjusted).