First Enterprise Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 5.58 percentage points higher than in Q1 2026, at 95.18%. Within Oklahoma, First Enterprise Bank is 143rd of 169 on return on assets, 0.76% as of Q2 2026, below the middle of the field. First Enterprise Bank reported 0.76% on return on assets for Q2 2026, 0.50 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.77% |
| Equity capital to assets | 10.97% |
| Tangible equity to tangible assets | 10.97% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 6.33% |
| Non-performing assets ratio | 5.55% |
| Net charge-off ratio | 0.10% |
| Texas ratio | 47.07% |
| Allowance for credit losses to loans | 0.97% |
| Reserve coverage of non-performing loans | 15.38% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.76% |
| Return on equity | 7.10% |
| Net interest margin | 4.71% |
| Efficiency ratio | 86.79% |
| Yield on earning assets | 6.49% |
| Cost of funds | 1.88% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 95.18% |
| Core deposits to total deposits | 75.80% |
| Brokered deposits to total deposits | 4.21% |
| Deposits to assets | 88.51% |
| Securities to assets | — |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.05% | 2.01% | 5.66% | 1.34% | 0.00% |
| Q4 2023 | 12.01% | 2.04% | 5.90% | 0.15% | 0.53% |
| Q1 2024 | 12.60% | 2.41% | 6.12% | 0.15% | 0.00% |
| Q2 2024 | 12.75% | 2.04% | 5.70% | 5.50% | 0.05% |
| Q3 2024 | 12.70% | 1.73% | 5.50% | 7.31% | 0.01% |
| Q4 2024 | 12.71% | 1.78% | 5.32% | 7.31% | 0.00% |
| Q1 2025 | 12.60% | 1.44% | 4.85% | 7.55% | -0.00% |
| Q2 2025 | 11.45% | -2.49% | 4.94% | 7.59% | 4.41% |
| Q3 2025 | 10.36% | -4.82% | 6.22% | 6.62% | 2.92% |
| Q4 2025 | 10.71% | 0.46% | 4.39% | 7.18% | 6.59% |
| Q1 2026 | 10.47% | -1.28% | 4.51% | 6.87% | 1.06% |
| Q2 2026 | 10.77% | 0.76% | 4.71% | 6.33% | 0.10% |
First Enterprise Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Enterprise Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)