TellerScore

Headquartered in Oklahoma City, Oklahoma, First Enterprise Bank is a state-chartered bank with $189.7M in total assets and $167.9M in deposits as of Q2 2026. It operates 6 offices. Its charter dates back to 1907.

First Enterprise Bank has a TellerScore of 28 out of 100 (low) based on Q2 2026 data — higher than only 1% of its 2,650 banks with $100 million – $1 billion. Among 170 banks headquartered in Oklahoma, it ranks 169th. Capital cushion contributes the most (58/100, 10.77%); loan quality contributes the least (0/100, 6.33%).

TellerScore · Q2 2026

Scorecard

Capital cushion58/100
Tier 1 leverage ratio: 10.77%
Loan quality0/100
Noncurrent loans ÷ total loans: 6.33%
Earnings9/100
Return on assets (annualized): -0.27%
Funding & liquidity53/100
Loans ÷ deposits and uninsured-deposit share: 94.2% · 27.2% uninsured
Problem-loan coverage6/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 47.07%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 2 points (26 → 28), mostly because the earnings component improved by 9 points.

TellerScore
233954Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202454
Q3 202453
Q4 202452
Q1 202548
Q2 202526
Q3 202523
Q4 202524
Q1 202625
Q2 202628
Tier 1 leverage ratio
5.00%8.87%12.75%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202412.75%
Q3 202412.70%
Q4 202412.71%
Q1 202512.60%
Q2 202511.45%
Q3 202510.36%
Q4 202510.71%
Q1 202610.47%
Q2 202610.77%
Noncurrent loans
3.23%6.09%8.95%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20243.23%
Q3 20245.23%
Q4 20245.24%
Q1 20255.50%
Q2 20257.59%
Q3 20258.95%
Q4 20257.18%
Q1 20266.87%
Q2 20266.33%
Return on assets
-1.98%0.10%2.19%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20242.19%
Q3 20242.03%
Q4 20241.97%
Q1 20251.45%
Q2 2025-0.56%
Q3 2025-1.98%
Q4 2025-1.38%
Q1 2026-1.27%
Q2 2026-0.27%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202628$189.7M10.77%6.33%-0.27%94.2%
Q1 202625$197.6M10.47%6.87%-1.27%88.7%
Q4 202524$197.9M10.71%7.18%-1.38%94.7%
Q3 202523$198.6M10.36%8.95%-1.98%97.3%
Q2 202526$205.0M11.45%7.59%-0.56%96.0%
Q1 202548$202.3M12.60%5.50%1.45%99.5%
Q4 202452$196.8M12.71%5.24%1.97%100.9%
Q3 202453$198.9M12.70%5.23%2.03%99.4%
Q2 202454$195.7M12.75%3.23%2.19%102.9%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.77%
46th
Total risk-based capital0.00%
24th
Problem loans6.33%
1st
Net charge-offs0.59%
4th
Return on assets-0.27%
2nd
Net interest margin4.64%
84th
Efficiency ratio88.9%
6th
Loans to deposits94.2%
18th
Uninsured deposits27.2%
38th
Loan-loss reserves0.97%
23rd
Texas ratio47.1%
1st

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of Beaver CityBank Beaver, OK60 out of 100, Moderate$188.6M8.7%1.34%vs
The First National Bank and Trust Company of MiamiBank Miami, OK82 out of 100, Strong$191.4M13.4%0.60%vs
The Bank of the WestBank Thomas, OK62 out of 100, Moderate$192.4M10.5%2.22%vs
The Farmers State BankBank Quinton, OK70 out of 100, Strong$193.9M9.3%0.79%vs
The Seiling State BankBank Seiling, OK79 out of 100, Strong$195.0M10.5%0.00%vs
Oklahoma Capital BankBank Tulsa, OK69 out of 100, Moderate$196.3M10.4%0.30%vs

Deposit insurance

Is my money safe at First Enterprise Bank?

Yes. First Enterprise Bank is an FDIC-insured institution (FDIC certificate #4049). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 27.2% of deposits ($45.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.77%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

6 locations

Branches

First Enterprise Bank lists 4 offices in 1 city. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Enterprise Bank reported 65 home-loan applications under HMDA (LEI 549300GQHFVUMVZAI777): 62 originated ($17,950,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Enterprise Bank
Former names
First Bank of Britton; The First National Bank of Britton
Type
State-chartered bank
FDIC certificate #
4049
RSSD ID
315656
Primary regulator
FDIC
Established
January 1, 1907
Headquarters
1000 W Britton Rd, Oklahoma City, OK 73114
Employees
58

Quick answers

First Enterprise Bank: common questions

Is First Enterprise Bank FDIC insured?

Yes. First Enterprise Bank is an FDIC-insured institution (FDIC certificate #4049). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Enterprise Bank's TellerScore?

28 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Enterprise Bank ever failed?

There is no failure record for FDIC certificate #4049 in the FDIC failed bank list.

How many branches does First Enterprise Bank have?

6 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Oklahoma City

InstitutionScoreAssetsCapitalProblem loansCompare
Oklahoma Federal Credit UnionCredit union Oklahoma City, OK91 out of 100, Very strong$198.9M20.2%0.24%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs
U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK85 out of 100, Very strong$213.5M16.3%0.20%vs
Liberty National BankBank Lawton, OK84 out of 100, Strong$1.3B10.3%0.02%vs