Enterprise Bancorp, Inc. operates as the holding company for Enterprise Bank and Trust Company that provides various banking products and services primarily in Merrimack Valley and north central regions of Massachusetts, and south central New Hampshire. Enterprise Bancorp, Inc. offers deposit products, which include personal interest checking accounts, savings accounts, money market accounts, individual retirement accounts, and certificates of deposits to the general public; and commercial checking, business and municipal savings accounts, money market and business sweep accounts, and escrow management accounts, as well as checking and simplified employee pension accounts to the employees of its business customers. Its loan portfolio comprises commercial mortgage loans, construction and land development loans, secured and unsecured commercial loans and lines of credit, and standby letters of credit to businesses; and residential mortgage loans, home equity loans, residential construction loans on primary residences, secured and unsecured personal loans, and lines of credit to individuals. In addition, Enterprise Bancorp, Inc. offers investment advisory and management services to individuals, family groups, businesses, trusts, foundations, non-profit organizations, and endowments and retirement plans; trust services to high net worth individuals, institutions, and businesses; insurance products, including property and casualty, employee benefits, and risk-management solutions; and cash management, online banking, and treasury management services, as well as non-deposit investment products and services. As of December 31, 2009, it operated 17 full service branch offices in Acton, Andover, Billerica, Chelmsford, Dracut, Fitchburg, Leominster, Lowell, Methuen, Tewksbury, and Westford, Massachusetts; and Derry and Salem, New Hampshire. Enterprise Bancorp, Inc. was founded in 1989 and is headquartered in Lowell, Massachusetts.