Case Study: Enterprise Bank & Trust Achieves Well-Capitalized Risk Management with Banker's Toolbox Crest

Enterprise Bank & Trust - Customer Case Study

Enterprise Bank & Trust, a $3.24 billion asset bank in Clayton, MO, needed a better way to manage commercial real estate loan risk and comply with 2006 interagency guidance on CRE concentrations. After evaluating 11 vendors, the bank looked for a more automated, user-friendly alternative to manual Excel-based stress testing and portfolio analysis.

Enterprise Bank & Trust chose Banker's Toolbox and its Crest CRE stress testing solution to analyze larger segments of the portfolio, improve visibility into risk, and support examiner expectations. Over time, Banker's Toolbox added enhancements such as the Capital and Earnings Worksheet, Historical Loss Factors, and FAS 114 tools, helping the bank save manual work, improve accuracy, and stay well capitalized through the downturn while identifying its highest-risk segments in advance.

Enterprise Bank & Trust

Ramona Segers-Howard

Loan Review Manager - Senior VP