First Enterprise Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
First Enterprise Bank spends more to run itself than most banks of its size. Its balance sheet stood at $190 million at June 30, 2026, down 7.4% from a year earlier; it is based in Oklahoma City, Oklahoma. It spends about 87 cents to bring in each dollar of revenue, higher than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 61 cents). It also holds commercial real estate loans worth 3.2 times its capital, 2.6 times the median of 1.2 times for banks its size.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 6.33% of loans, down from 7.59% a year earlier. Its $33 million non-owner-occupied commercial real estate book is improving, with 26.90% past due or on nonaccrual, down from 28.65% a year earlier. Credit is the area to watch: it carries problem assets equal to 47.1% of the capital and reserves that would absorb them, 17.8 times the median of 2.6% for banks its size.
As of June 30, 2026, First Enterprise Bank reported a return on assets of 0.76%, a nonperforming-loan ratio of 6.33% and a Texas ratio of 47.07%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 1000 W Britton Rd, Oklahoma City, OK 73114
- County
- Oklahoma
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1907
- Former names
- First Bank of Britton (1980-1984)
- Offices
- 6 domestic
- Employees (FTE)
- 58
- Domestic deposits
- $167.9M
- Allowance for credit losses
- $1.6M
- Net charge-offs (YTD)
- $480K
- Average total assets
- $193.3M
- Average total loans
- $158.0M
- Average interest-bearing deposits
- $119.9M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4049
- Fed RSSD
- 315656
- Website
- www.febokc.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Enterprise Bank terminal
26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Enterprise Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
First Enterprise Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Metric pages for First Enterprise Bank: Texas Ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.77% | 0.76% | 6.33% | 47.07% | 4.71% |
| Q1 2026 | 10.47% | -1.28% | 6.87% | 51.43% | 4.51% |
| Q4 2025 | 10.71% | 0.46% | 7.18% | 54.23% | 4.39% |
| Q3 2025 | 10.36% | -4.82% | 8.95% | 63.37% | 6.22% |
| Q2 2025 | 11.45% | -2.49% | 7.59% | 52.42% | 4.94% |
| Q1 2025 | 12.60% | 1.44% | 5.50% | 35.94% | 4.85% |
| Q4 2024 | 12.71% | 1.78% | 5.24% | 34.10% | 5.32% |
| Q3 2024 | 12.70% | 1.73% | 5.23% | 34.41% | 5.50% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 6 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| 2115 S.W. 44th Street Branch | Oklahoma City , OK | 73119 | $72.7M |
| First Enterprise Bank (main office) | Oklahoma City , OK | 73114 | $46.9M |
| 39th Street Branch | Oklahoma City , OK | 73112 | $25.2M |
| N.W. 122nd Street Branch | Oklahoma City , OK | 73120 | $23.1M |
| Motor Bank Branch | Oklahoma City , OK | 73114 | $0 |
| Detached Facility | Oklahoma City , OK | 73119 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| January 15, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 15, 1992 | Structure Change | Acquired Grant Square Bank and Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for First Enterprise Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.1% of deposits in OK, rank 115 of 194 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 65 applications, 62 loans originated, $17.9M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 2 loans, $264K approved, $132K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about First Enterprise Bank
What are First Enterprise Bank's total assets?
As of the Q2 2026 filing, First Enterprise Bank reported total assets of $189.7 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Enterprise Bank headquartered?
First Enterprise Bank is headquartered in Oklahoma City, OK, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was First Enterprise Bank founded?
First Enterprise Bank was established in 1907, per the FDIC institution directory.
Is First Enterprise Bank FDIC-insured?
Yes. First Enterprise Bank is an FDIC-insured commercial bank (FDIC Certificate #4049). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Enterprise Bank?
First Enterprise Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does First Enterprise Bank operate?
First Enterprise Bank operates 6 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Enterprise Bank's Texas Ratio?
First Enterprise Bank's Texas Ratio is 47.07% in its Q2 2026 call report, between 25% and 50%, below the 50% level at which problem assets reach half of the capital cushion. The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was First Enterprise Bank previously called?
The charter now named First Enterprise Bank has also operated as First Bank of Britton (1980-1984), per FDIC structure-change records.
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