EFSC net income falls 6.2% to $42.4M as credit costs jump and capital ratios weaken

Filed October 30, 2026 · Period ending September 30, 2026 · Compared to 10-Q Oct 31, 2025 · ~1 min read

Key Changes

• high

  Net income declined 6.2% to $42.4 million, with diluted EPS down 4.2% to $1.14, as higher credit costs and lower noninterest income offset loan growth.

  MD&A: Results verify on EDGAR →
• high

  Provision for credit losses more than doubled to $39.6 million for the nine months, reflecting asset quality deterioration and higher net charge-offs.

  MD&A: Credit verify on EDGAR →
• high

  Tangible common equity ratio fell to 8.13% from 9.60% a year ago, driven by $142.2 million in fair value losses and $84.8 million of share repurchases.

  MD&A: Capital verify on EDGAR →