Risk factors

Enterprise Financial Services (EFSC) risk factors

Item 1A of every Enterprise Financial Services Corp. 10-K on file, and what changed from one year to the next. Readings are automated and can be wrong; check the filing for the exact wording.

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  • FY2025 10-K risk factors
    41 risks2 new2 dropped3 reworded

    EFSC added a specific risk regarding New Markets Tax Credit compliance and dropped its core operating system conversion risk from October 2024.

    Filed Feb 27, 2026
  • FY2024 10-K risk factors
    41 risks

    EFSC faces concentration and credit risks from its $365 million goodwill, life insurance premium loans, and regional real estate exposure.

    Filed Feb 28, 2025