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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 4049 · OK F · 32/100

GRADE-F · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-WATCH · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-F F (32/100)
  • BOTTOM-DECILE #4271/4307
  • PHOTO-FINISH WCF Financial Bank · IA
  • TIER1-WELL 10.7% Tier 1
  • TEXAS-WATCH 54.2% Texas
  • ROA-LOSS -1.38% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Oklahoma: WCF Financial Bank, IA (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around First Enterprise Bank

Lowest and highest poles plus nearest scored peers outside Oklahoma, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Slovenian Savings an… · PA ·…34/100The First National B… · OH ·…34/100First Enterprise Bank · OK ·…32/100Home Savings Bank, FSB · KY …32/100WCF Financial Bank · IA · ne…32/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around First Enterprise Bank · July 2026

What First Enterprise Bank's Call Report plate shows

First Enterprise Bank (FDIC Cert #4049) carries a PlainBankData health grade of F at 32/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,271 of 4,307. Tier 1 capital prints at 10.71%, clearing the 10% well-capitalized line. The Texas Ratio is 54.23%, above the 50% watch level where troubled assets press the capital cushion. Return on assets is -1.38%. Balance-sheet scale is $198M, 3,024th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is WCF Financial Bank (IA), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around First Enterprise Bank

8 FAILURE resolutions in Oklahoma since 2000 (8 since 2008)

First Enterprise Bank's home state sits in the middle band of post-2000 FAILURE counts (8; 8 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; First Enterprise Bank remains an active FDIC-insured reporter.

  • FIRST NB OF LINDSAY LINDSAY, OK 2024 → FIRST BANK & TRUST CO.
  • THE FREEDOM STATE BANK FREEDOM, OK 2014 → ALVA STATE BANK & TRUST COMPANY
  • THE BANK OF UNION EL RENO, OK 2014 → BANCFIRST

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Oklahoma banks.

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.

0/100100/100National avg77/10032/100
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 Assets

$198M

Total balance-sheet footings

Total Deposits

$176M

Customer-funded liabilities

Net Loans

$167M

Outstanding loan book

Net Income

$-2,760K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% 14% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.31% 10.71% 12.11%
Basel III capital ratios - First Enterprise Bank

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

32 1st percentile higher than 1% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). This entry sits in this band. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. First Enterprise Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

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 ratios for First Enterprise Bank

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

What these ratios mean →

Profitability metrics: First Enterprise Bank

Return on Assets (ROA)
1st percentile nationally
-1.38%
Return on Equity (ROE)
-11.88%
Efficiency Ratio
74.72%

What these mean →

Income & expense: loss period at First Enterprise Bank

$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.

FDIC Failed Bank List → View First Enterprise Bank on FDIC BankFind →

Top banks in Oklahoma by total assets

Largest banks headquartered in Oklahoma
  1. 1
    BOKF $52.0B

    Tulsa, OK · Grade A

  2. 2
    MidFirst Bank $41.4B

    Oklahoma City, OK · Grade B

  3. 3
    First United Bank and Trust Company $16.3B

    Durant, OK · Grade B

  4. 4
    BancFirst $12.1B

    Oklahoma City, OK · Grade A

  5. 5
    InterBank $5.5B

    Oklahoma City, OK · Grade B

Top 5 banks in Oklahoma ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($198M here), outside Oklahoma so the neighborhood is not state containment.

Magnolia State Bank $198M · GA The Community Bank $198M · TX First National Bank in Taylorville $198M · IL First Federal Savings Bank of Champai… $198M · IL

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.

First Enterprise Bank Call Report profile · FDIC Failed Bank List · Oklahoma FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Oklahoma

All Oklahoma banks →
BankAssetsGradeROA
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%