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Debt (Tables)
 12 Months Ended
Dec. 31, 2025
Subordinated Borrowings [Abstract]  
Schedule of Subordinated Debentures
The following table summarizes the Company’s subordinated debentures at December 31:
AmountMaturity Date
Initial Call Date (1)
Interest Rate
($ in thousands)20252024
EFSC Clayco Statutory Trust I$3,196 $3,196 December 17, 2033December 17, 2008
Floats @ 3 month term SOFR + 3.11%
EFSC Capital Trust II5,155 5,155 June 17, 2034June 17, 2009
Floats @ 3 month term SOFR + 2.91%
EFSC Statutory Trust III11,341 11,341 December 15, 2034December 15, 2009
Floats @ 3 month term SOFR + 2.23%
EFSC Clayco Statutory Trust II4,124 4,124 September 15, 2035September 15, 2010
Floats @ 3 month term SOFR + 2.09%
EFSC Statutory Trust IV10,310 10,310 December 15, 2035December 15, 2010
Floats @ 3 month term SOFR + 1.70%
EFSC Statutory Trust V4,124 4,124 September 15, 2036September 15, 2011
Floats @ 3 month term SOFR + 1.86%
EFSC Capital Trust VI14,433 14,433 March 30, 2037March 30, 2012
Floats @ 3 month term SOFR + 1.86%
EFSC Capital Trust VII4,124 4,124 December 15, 2037December 15, 2012
Floats @ 3 month term SOFR + 2.51%
JEFFCO Stat Trust I 7,732 7,732 February 22, 2031February 22, 2011
Fixed @ 10.20%
JEFFCO Stat Trust II (2)
4,712 4,658 March 17, 2034March 17, 2009
Floats @ 3 month term SOFR + 3.01%
Trinity Capital Trust III (2)
5,606 5,539 September 8, 2034September 8, 2009
Floats @ 3 month term SOFR + 2.96%
Trinity Capital Trust IV 10,310 10,310 November 23, 2035August 23, 2010
Fixed @ 6.88%
Trinity Capital Trust V (2)
8,521 8,358 December 15, 2036September 15, 2011
Floats @ 3 month term SOFR + 1.91%
Total junior subordinated debentures93,688 93,404 
5.75% Fixed-to-floating rate subordinated notes
— 63,250 June 1, 2030June 1, 2025
Fixed @ 5.75% until
June 1, 2025, then floats @ Benchmark rate (3 month term SOFR) + 5.66%
Debt issuance costs— (103)
Total fixed-to-floating rate subordinated notes— 63,147 
Total subordinated debentures and notes$93,688 $156,551 
(1) Callable each quarter after initial call date.
(2) Purchase accounting adjustments are reflected in the balance and also impact the effective interest rate.
Summary Of Debt Terms
The following table summarizes securities sold under agreements to repurchase as of and for the periods indicated:
December 31,
($ in thousands)20252024
Securities sold under agreement to repurchase balance$292,782 $244,618 
Weighted average interest rate2.90 %3.44 %
The following table summarizes the term loans as of and for the periods indicated:
December 31,
($ in thousands)20252024
Term loan balance$58,732 $— 
Weighted average interest rate6.68 %6.78 %