EFSCP · Enterprise Financial Services Corp

This 8-K serves as a Regulation FD-compliant dissemination of EFSC’s April 2026 investor presentation, which provides updated operational and financial context for Q1 2026 but is explicitly excluded from SEC filing requirements. The presentation confirms sustained balance sheet growth — $17.2B in total assets, $11.7B in loans, and $14.5B in deposits — all as of March 31, 2026. Key performance indicators reflect disciplined execution: ROAA declined modestly to 1.65% from 1.70% YoY, while Pre-Provision Net Revenue stood at $259M, down from $275M year-over-year, consistent with elevated funding costs and rate environment pressures noted in the presentation. Credit quality remains sound, with nonperforming loans at 0.56% and net charge-offs at $4.4M for the quarter. The firm emphasizes its differentiated model — including $1.2B in SBA 7(a) loans, $1.2B in life insurance premium finance, and vertically focused deposit franchises — all contributing to stable, fee-enhanced revenue streams. Though no formal earnings guidance is quantified in the exhibit, management reiterates long-term targets including top-quartile ROAA and 9.8% 10-year TBV/share CAGR, anchored by organic growth, talent acquisition, and technology investment. As a non-filing disclosure under Item 7.01, this material carries informational weight for investors but lacks regulatory enforceability or audit assurance.