First Enterprise Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) dropped 15.56 percentage points in Q2 2026, from 330.86% to 315.30%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, First Enterprise Bank is 31st of 169 on loan-to-deposit ratio, 95.18% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 80.94% on loan-to-deposit ratio. First Enterprise Bank sits 14.23 points higher, at 95.18% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $159.8M |
| Net loans and leases | $158.2M |
| Loans held for sale | $0 |
| Loans to total assets | 84.24% |
| Loan-to-deposit ratio | 95.18% |
| Net loans to equity capital | 7.60% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 37.80% |
| Multifamily (5+ residential) | 3.72% |
| Commercial and industrial | 9.67% |
| Consumer | 0.29% |
| Credit cards | 0.00% |
| Farm | 0.06% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 315.30% |
| Construction concentration (Tier 1 capital + allowance) | 139.08% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.94% |
| Interest income on loans | $2.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $159.1M | $174.5M | 29.71% | 7.46% | 0.54% |
| Q4 2023 | $164.7M | $169.3M | 31.47% | 7.15% | 0.45% |
| Q1 2024 | $169.5M | $173.6M | 30.22% | 6.80% | 0.37% |
| Q2 2024 | $171.9M | $165.5M | 29.68% | 7.40% | 0.28% |
| Q3 2024 | $173.7M | $173.1M | 29.09% | 7.27% | 0.32% |
| Q4 2024 | $174.3M | $171.2M | 27.39% | 7.40% | 0.32% |
| Q1 2025 | $176.2M | $175.6M | 28.00% | 12.80% | 0.35% |
| Q2 2025 | $174.4M | $180.0M | 32.26% | 13.04% | 0.33% |
| Q3 2025 | $176.2M | $177.0M | 32.39% | 13.44% | 0.30% |
| Q4 2025 | $168.0M | $176.2M | 34.39% | 11.89% | 0.29% |
| Q1 2026 | $158.0M | $176.3M | 36.40% | 10.39% | 0.33% |
| Q2 2026 | $159.8M | $167.9M | 37.80% | 9.67% | 0.29% |
First Enterprise Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Enterprise Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Enterprise Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 4049) · FFIEC NIC profile (RSSD 315656)