First Enterprise Bank
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Data as of · sourced from FFIEC call reports. How we update
First Enterprise Bank is an FDIC-insured commercial bank headquartered in Oklahoma City, OK, established in 1907 (FDIC certificate 4049), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $189.7M, down 7.4% from Q2 2025, the 104th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.77% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 4049
- Headquarters
- Oklahoma City, OK
- Established
- 1907
- Total assets, Q2 2026
- $189.7M
- Assets vs Q2 2025
- -7.4%
- Tier 1 leverage ratio, Q2 2026
- 10.77%
- Domestic offices
- 6 FDIC institution directory, current count
- Routing number
- 103000680
- Asset rank in state
- 104th of 169 in Oklahoma
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%. The figures come from its call report filed with the FFIEC.
First Enterprise Bank ranks as the 104th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. Between Q1 2026 and Q2 2026, its total assets fell 4.0% to $189.7M, loans rose 1.2% and deposits fell 4.8%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 28.1% of total loans, ahead of non-owner-occupied commercial real estate loans at 21.0%. Its 6 offices in the FDIC Summary of Deposits are in Oklahoma City, OK. Judged on its Q2 2026 call report, First Enterprise Bank meets the community bank leverage ratio test for well capitalized.
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)
- Domestic offices
- 6 FDIC institution directory, current count
- 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
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Enterprise Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Over the 12 quarters to Q2 2026, First Enterprise Bank's total assets ran between $189.7M (Q2 2026) and $205.0M (Q2 2025), and it earned a profit in 9 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$189.7M total assets against $205.0M; $168.9M total liabilities against $181.3M.
$158.2M net loans and leases against $172.8M; $167.9M total deposits against $180.0M.
$0 securities against $0; $27.0M cash and balances due against $28.2M.
$3.0M total interest income against $3.5M; $817K total interest expense against $1.0M.
$2.2M net interest income against $2.4M.
$607K total noninterest income against $580K; $2.4M total noninterest expense against $2.3M.
$0 provision for credit losses against $1.9M.
$366K net income against -$1.3M.
0.76% return on assets against -2.49%; 4.71% net interest margin against 4.94%.
10.77% tier 1 leverage ratio against 11.45%.
Inside the full First Enterprise Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this 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
Its closest position to the top of a national ranking is 12 of 3,640, for Texas Ratio; its furthest is 3,412 of 3,606, for efficiency ratio.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -4.82% (Q3 2025) to 1.78% (Q4 2024) and its net interest margin ran from 4.39% (Q4 2025) to 6.22% (Q3 2025).
| 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
View all 6 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| 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
Facts as filed or published, not a rating.
- Deposit market share
- 0.1% of deposits in OK, rank 115 of 192 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).
- Not on file
- Enforcement actions, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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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.
Where is First Enterprise Bank headquartered?
It is headquartered in Oklahoma City, OK, United States.
When was First Enterprise Bank founded?
It was established in 1907, per the FDIC institution directory.
Is First Enterprise Bank FDIC-insured?
Yes. It 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.
How many branches does First Enterprise Bank operate?
It 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?
Its Texas Ratio is 47.07% in its Q2 2026 call report, within the healthy range (at or below 50%, the 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.
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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