Total Assets
$198M
Total balance-sheet footings
FDIC Cert #4049 · Oklahoma City, Oklahoma · Est. 1907
First Enterprise Bank - FDIC Bank Health Profile
This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.
- $198M
- Total assets
- F
- Health grade · At Risk
- -1.38%
- Return on assets
- 10.7%
- Tier 1 capital
Data updated July 2026
The verdict
First Enterprise Bank earns a PlainBankData health grade of F (32/100), with well-capitalized at 10.71% Tier 1, -1.38% ROA, 75% efficiency ratio.
- #3,024
- largest of 4,313 FDIC banks by assets
- 30th
- percentile by asset size, nationally
- 10.71%
- Tier 1 ratio - above the 10% well-capitalized line
- 1st
- percentile for profitability (ROA), nationally
A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.
How First Enterprise Bank's 32/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
First Enterprise Bank's composite health score
Tier 1 Capital Ratio (10.71%) 28/40
Return on Assets (ROA) (-1.38%) 0/25
Texas Ratio (54.23%) 0/20
Efficiency Ratio (74.72%) 4/15
32 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$176M
Customer-funded liabilities
Net Loans
$167M
Outstanding loan book
Net Income
$-2,760K
Bottom-line earnings
Capital adequacy vs federal thresholds
Where First Enterprise Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. First Enterprise Bank's score of 32/100 falls in the highlighted band.
First Enterprise Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). First Enterprise Bank's $198M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
10.71% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
10.71%
Texas Ratio
54.23%
Equity Capital
$21M
Profitability metrics
Return on Assets (ROA)
1st percentile nationally
-1.38%
Return on Equity (ROE)
-11.88%
Efficiency Ratio
74.72%
What the numbers say about First Enterprise Bank
First Enterprise Bank is an FDIC-insured institution (Certificate #4049) headquartered in Oklahoma City, Oklahoma, established in 1907. It holds $198M in total assets - 3,024th of 4,313 FDIC-insured banks, $176M in customer deposits, and $167M in net loans. Looking at capital strength, Tier 1 stands at 10.71%, over the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 54.23%, above the 50% mark that flags elevated risk. It earns a PlainBankData health grade of F (32/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Oklahoma, First Enterprise Bank ranks 99th of 172 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$14M
Interest Income
$2M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. First Enterprise Bank reports a Texas Ratio of 54.23% - elevated, troubled assets are consuming a meaningful share of capital and reserves.
Texas Ratio
Caution 50%
54.23% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
What to watch at First Enterprise Bank
First Enterprise Bank's grade of F reflects specific pressure points in the FDIC Call Report. Its Texas Ratio of 54.23% sits above the 50% level analysts flag, meaning non-performing loans are consuming a meaningful share of loss-absorbing capital. The bank reported negative net income of $-2,760K for the period, a loss that, if sustained, erodes the equity cushion.
Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at First Enterprise Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.
Top banks in Oklahoma by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) First Enterprise Bank (FDIC Cert #4049) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Oklahoma
All Oklahoma banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| BOKF, National AssociationTulsa | $52.0B | A | 1.10% |
| MidFirst BankOklahoma City | $41.4B | B | 1.19% |
| First United Bank and Trust CompanyDurant | $16.3B | B | 0.97% |
| BancFirstOklahoma City | $12.1B | A | 1.79% |
| InterBankOklahoma City | $5.5B | B | 3.60% |
| Stride Bank, National AssociationEnid | $4.9B | A | 2.10% |
| RCB BankClaremore | $4.1B | A | 1.32% |
| First Fidelity BankOklahoma City | $2.9B | B | 0.94% |
Frequently asked questions
What is First Enterprise Bank's health grade?▼
First Enterprise Bank receives a health grade of F (32/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank has significant financial challenges. All deposits remain FDIC-insured up to $250,000.
How large is First Enterprise Bank?▼
First Enterprise Bank holds $198M in total assets and $176M in deposits, ranking 3,024th of 4,313 FDIC-insured banks by asset size. It is headquartered in Oklahoma City, Oklahoma.
Is my money safe at First Enterprise Bank?▼
Yes, deposits at First Enterprise Bank (Certificate #4049) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is First Enterprise Bank's Tier 1 Capital Ratio?▼
First Enterprise Bank has a Tier 1 Capital Ratio of 10.71%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for First Enterprise Bank?▼
First Enterprise Bank has a Texas Ratio of 54.23%. Crossing 50% is the point where analysts flag elevated credit risk. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is First Enterprise Bank?▼
First Enterprise Bank has an Efficiency Ratio of 74.72%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read First Enterprise Bank's profile as a depositor or analyst.
- First Enterprise Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare First Enterprise Bank against other Oklahoma banks before moving funds. Oklahoma banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.