
Exhibit 99.1
Investor PresentationOctober 2026
Focused commercial bank, diversified across verticals and geographic markets
Differentiated strategies delivering growth
Empowered associates providing industry-leading service, supported by digital technology solutions
Tenured and experienced management team
Strong capital foundation and consistent history of delivering results
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EFSC Overview EFSC At-a-GlanceEFSC NASDAQ | $17.8B Total Assets | 8.13% TCE Ratio1 | 2.36% Dividend Yield As of 10/22/2026 |
$2.2B Market Cap As of 10/22/2026 | 8.5% 10-Year CAGR of TBV/Share | 11.4% Adjusted ROATCE YTD1 | Clayton, MO HQ |
Deposit and SBA loan production offices across the country
Las Vegas
Kansas City
St. Louis
Los Angeles
San Diego
New Mexico Phoenix
Differentiated Business Model
Regional National
Dallas*
Commercial Lending
C&I focus
Business banking
CRE lending
Blend of stable and growth MSAs
Commercial Deposits
Highly productive network of 54 branches with $203M2 average deposits per branch
Complete and easy-to-use cash management services
Lending Verticals
SBA 7(a) lending
Sponsor finance
Tax credits
Life insurance premium finance
Deposit Verticals
Community associations
Property management
Third party escrow
Trust services
Focused on privately owned businesses and business owners
Note: 3Q26 data; *Loan production office
1A Non-GAAP Measure, Refer to Appendix for Reconciliation 5
2Excluding national deposit verticals
Since 2013, Continually Optimizing Performance2012
and earlier
2013 - 2026 2027
and beyond
Improving and StabilizingROAA: 0.78%
(2012)
Midwest-focused FDIC-assisted acquisitions
1.24%
(2025)
Expanded deposit base
Expanded footprint through five acquisitions
Delivered performance improvements
Tackled challenges, including COVID and bank liquidity crisis
Aligned incentives
Diversified across geographies and verticals
Consistent growth
Compounding tangible book value per common share
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Diversified Deposit BaseWest 8%
Deposit Verticals 28%
Midwest 46%
Southwest 18%
by Region
by Type
$15.1BInterest-Bearing Demand Accounts
25%
DDA 33%
CD 11%
MMA & Savings 31%
Total Deposits
Note: 3Q26 data 7
Balanced Loan Portfolioby Region1
by Product Type $12.3B
West 16%
Specialty 36%
Midwest 27%
Southwest 21%
Total Loans
CRE-OO 20%
CRE-IO 26%
Other 1%
Residential 3%
C&I 44%
Construction 6%
Note: 3Q26 data 8
1Excludes "Consumer" loans
EFSC's Customer-Focused Culture Vision:To be a company where our associates are proud to work, that delivers ease of navigation to our customers and value to our investors, while helping our communities flourish.
Mission:Guiding people to a lifetime of
financial success.
Aligned teams providing client-focused solutions
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Seasoned Executive Leadership TeamAverage tenure:
16 years
Jim Lally Keene Turner Doug Bauche Kevin Handley
Average industry experience:
24 years
58, President & CEO, EFSC Enterprise Tenure: 22 years
47, SEVP, CFO & COO, EFSC
Enterprise Tenure: 13 years
56, SEVP, Chief Banking Officer, Enterprise Bank & Trust Enterprise Tenure: 26 years
57, SEVP, Chief Credit Officer, Enterprise Bank & Trust Enterprise Tenure: 8 years
Bridget Huffman Nicole Iannacone Mark Ponder
44, SEVP, Chief Risk Officer, Enterprise Bank & Trust Enterprise Tenure: 15 years
46, SEVP, Chief Legal Officer, Enterprise Bank & Trust Enterprise Tenure: 12 years
56, SEVP, Chief Administrative Officer, Enterprise Bank & Trust
Enterprise Tenure: 14 years 10
Delivering Efficiency & Top Quartile NIMFocus on process excellence, automation, and scale:
Continuing technology investments
Focus on client experience enhancement
Relentless cost discipline
Top quartile1 performance (3Q26)
Net Interest Margin3.41%
4.29%
2021 2 3Q26 YTD
13Q26 results for the KRX index available as of October 22, 2026. All figures are as reported by S&P. 11
2The year preceding the Federal Open Market Committee raising the target federal funds rate by 525 basis points.
Effective Risk Management as a Key EnablerApproach
Strong credit process
Effective controls
High quality assets
Well positioned for different rate environments
Managing risk
Diversification across asset classes, geography, and industry
Reducing agriculture exposure over time
Well managed CRE concentration
Key Performance Metrics (3Q26)
Nonperforming Loans/Loans 0.71%
Nonperforming Assets/Assets1 1.03%
Allowance Coverage Ratio 1.17%; 1.27%
adjusted for guaranteed loans2
Net Charge-Offs
$11.0 million QTD
1Includes $146.9 million in nonperforming assets collateralized by real estate (approximately 83 basis points) 12
2A Non-GAAP Measure, Refer to Appendix for Reconciliation
Growth Strategy Strategic Growth PillarsWell positioned in attractive markets
1.
Differentiated deposit verticals
2.
Focused loan growth strategies
3.
High-quality talent additions through focused efforts
4.
Best-in-class technology
5.
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1a. Well-Positioned in Attractive Markets
Region Total Deposits ($B) Total Loans ($B) Market Profile Metro
St. Louis
Midwest $6.9 $3.3 Stable
Kansas City
Stable Albuquerque2
Southwest $2.7 $2.6
Growth
Phoenix3 Dallas Las Vegas
Significant opportunities for growth and share gain in our markets
$4.2
$15.1
Los Angeles
San Diego
Growth
$2.0
$1.3
West
Deposit Verticals / Specialty Lending
Total
$4.41
$12.3
Note: 3Q26 data
1Specialty Lending includes "Consumer" Loans 15
2The Combined Statistical Area includes Albuquerque-Santa Fe-Los Alamos
3The Combined Statistical Area includes Phoenix-Mesa and Tucson-Nogales
2. Differentiated Deposit VerticalsMidwest 46%
Deposit Verticals 28%
Deposit Verticals
21%
43%
36%
Legal Industry and Escrow Services
$901 million in deposits. Product lines providing services to independent escrow and non-depository trust companies
$15.1BTotal Deposits
West 8%
Southwest 18%
Property Management
$1.8 billion in deposits. Specializing in the compliance of Property Management Trust Accounts
Community Associations
$1.5 billion in deposit accounts. Specifically designed to serve the needs of community associations
Note: 3Q26 data
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3a. Focused Loan Growth StrategiesSBA Loans
Remaining Portfolio 67%
10%
11%
6%
6%
$1.2B in loans outstanding in SBA 7(a) loans, including $947M guaranteed
We remain a top 25 SBA 7(a) lender nationally
1 of 8 lenders in a lower risk profile designated by the SBA -73 lenders in peer group (portfolio size >=$350MM)
Life Insurance Premium Finance
$1.4B in loans outstanding related to high-net-worth estate planning
Sponsor Finance
$714M in M&A related loans outstanding, partnering with SBIC and PE firms
Tax Credit Programs
$750M in loans outstanding related to Federal, Historic, and Affordable Housing tax credits
$433M in Federal & State New Market Tax Credits awarded to date
Total Loans
Lending verticals provide a competitive advantage, risk-adjusted pricing, and fee income opportunities
Note: 3Q26 data 17
3b. Client-Focused Teams Delivering SolutionsStrategic Credit Transformation for High Growth IT Procurement Firm
OPPORTUNITY
High growth firm sought scalable financial strategy to support North American and Indian expansion
Client needed an aligned funding structure to effectively bridge enterprise payment terms across their footprint
Client required a strategic banking relationship to match the accelerating pace of their operational scaling
SOLUTION
Enterprise provided enhanced financial flexibility with a highly scalable credit line
Enterprise enabled faster access to working capital when needed, helping execute large customer engagements
Enterprise supported long term expansion initiatives, including facilities growth and future development plans
RESULTS
Optimized cash flow structure that acts as a continuous catalyst for global firm growth
"Enterprise gives us the flexibility to confidently support growth, customer delivery timelines and strategic expansion initiatives"
-Business Owner
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High-Quality Talent Additions Through Focused Efforts
42 Producers Opportunistically Hired: Adds Density and Capability in Focus Geographies
6: Los Angeles
8: San Diego
18: Phoenix & Las Vegas*
10: Mid-Cities, TX, KS*
Additional talent delivering deposit and loan growth
Talent acquisitions between 2021 & 3Q26 19
*Additions related to branch acquisition totaled 13 for Phoenix and 4 for KS, respectively
- Best-In-Class Technology
Client life cycle supported by a competitive digital product set
TARGET
Identifying and reaching the right people
ONBOARD
Setting clients up for a smooth transition
SERVICE
Meeting needs to deliver a positive experience
PROTECT
Securing sensitive data
GROW
Scaling great work for greater impact
AI
Leveraging existing partnerships to work smarter
Leading technology solutions support growth and deliver best-in-class client experience
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