Regulatory Matters

12 Months Ended

Dec. 31, 2022

Regulated Operations [Abstract]

Regulatory Matters

REGULATORY CAPITAL

Quantitative measures established by regulation to ensure capital adequacy require the Bank to maintain minimum ratios (set forth in the following table) of total, tier 1, and common equity tier 1 capital to risk-weighted assets, and of tier 1 capital to average assets. Management believes, as of December 31, 2022 and 2021, that the Company met all capital adequacy requirements to which it is subject.

As of December 31, 2022 and 2021, the Bank was categorized as “well-capitalized” under the regulatory framework for prompt corrective action. To be categorized as “well-capitalized” the Bank must maintain minimum total risk-based capital, tier 1 risk-based capital, common equity tier 1 risk-based capital, and tier 1 leverage ratios as set forth in the following table. In addition, the Company must maintain an additional CCB above the regulatory minimum ratio requirements. The CCB is designed to insulate banks from periods of stress and impose constraints on dividends, share repurchases and discretionary bonus payments when capital levels fall below prescribed levels.

The capital ratios are presented in the following table:

	December 31, 2022				December 31, 2021
	EFSC		Bank		EFSC		Bank		To Be Well-Capitalized		Minimum Ratio with CCB
Common Equity Tier 1 Capital to Risk Weighted Assets	11.1	%	12.1	%	11.3	%	12.5	%	6.5	%	7.0	%
Tier 1 Capital to Risk Weighted Assets	12.6	%	12.1	%	13.0	%	12.5	%	8.0	%	8.5	%
Total Capital to Risk Weighted Assets	14.2	%	13.1	%	14.7	%	13.5	%	10.0	%	10.5	%
Leverage Ratio (Tier 1 Capital to Average Assets)	10.9	%	10.5	%	9.7	%	9.3	%	5.0	%	4.0	%