BlastPoint's Banking Scorecard

First Enterprise Bank

$100M-$1B Specialty: Commercial OK FDIC cert 4049

Oklahoma City, OK

6 branches across OK

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 106 in OK.
Deposits -6.7% year over year ($167.9M on the books).
Delinquency rate 6.39%.
Return on assets -0.27%.
Efficiency ratio 88.91% vs a 64.48% peer average.
Loan-to-deposit ratio 94.25% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 106 in OK

View $100M-$1B leaderboard (OK) →

First Enterprise Bank has 1 strength but faces 7 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 0.65% above tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 1.9% in tier
- Capital Thin: Bottom 5.3% in tier
- Capital Constraint: Bottom 20.6% in tier
- Return on Assets 1.59% below tier average
- Efficiency Ratio 24.43% above tier average
- Delinquency Rate 5.47% above tier average
- Nonperforming Asset Ratio 4.88% above tier average

Get updates when First Enterprise Bank releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$189.7M -7.4% YoY -4.0% QoQ	-$196.9M	$386.6M +1.2% YoY	$1.3B +6.0% YoY	$6.3B +7.7% YoY	24%
Total Loans ?	$158.2M -8.4% YoY +1.2% QoQ	-$100.1M	$258.3M +1.7% YoY	$835.5M +7.1% YoY	$3.2B +9.4% YoY	37%
Total Deposits ?	$167.9M -6.7% YoY -4.8% QoQ	-$158.8M	$326.7M +0.7% YoY	$967.8M +5.8% YoY	$4.9B +7.3% YoY	26%
Return on Assets ?	-0.27% +52.2% YoY +78.9% QoQ	-1.59%	1.32% +10.8% YoY	1.35% +7.7% YoY	1.30% +12.1% YoY	Bottom 2.4% in tier
Net Interest Margin ?	4.64% -7.8% YoY +3.3% QoQ	+0.65%	3.99% +5.0% YoY	4.27% +1.9% YoY	3.95% +4.9% YoY	84%
Efficiency Ratio ?	88.91% +17.8% YoY -2.4% QoQ	+24.43%	64.48% -3.2% YoY	64.81% -3.0% YoY	70.05% +2.5% YoY	Bottom 6.4% in tier
Delinquency Rate ?	6.39% -16.6% YoY -8.0% QoQ	+5.47%	0.92% +15.7% YoY	1.78% +23.7% YoY	0.98% +16.3% YoY	Bottom 1.3% in tier
Loan-to-Deposit Ratio ?	94.25% -1.8% YoY +6.3% QoQ	+16.30%	77.95% +1.0% YoY	74.14% +1.3% YoY	79.03% +2.3% YoY	18%
Non-Interest-Bearing Deposit Share ?	31.20% +8.4% YoY +0.9% QoQ	+9.17%	22.03% -0.6% YoY	23.91% -1.8% YoY	21.98% -0.6% YoY	85%
Nonperforming Asset Ratio ?	5.55% -14.0% YoY -3.3% QoQ	+4.88%	0.67% +16.4% YoY	1.24% +23.1% YoY	0.69% +15.8% YoY	Bottom 0.8% in tier
Tier 1 Capital Ratio ?	10.77% -6.0% YoY +2.9% QoQ	-5.14%	15.91% +1.4% YoY	14.18% -3.9% YoY	17.09% +0.8% YoY	20%
Non-Interest Income / Assets ?	0.61% +6.8% YoY +119.3% QoQ	+0.04%	0.57% +7.6% YoY	0.31% -11.7% YoY	0.66% +5.2% YoY	Top 6.7% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Noninterest-Bearing	31.2% +2.4pp YoY +0.3pp QoQ	+9.1pp	22.1%	23.9%	22.2%	84%
Brokered Deposits	4.2% 0.0pp YoY +0.2pp QoQ	-3.6pp	7.9%	9.7%	8.5%	46%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
C&I	9.8% -3.4pp YoY -0.7pp QoQ	-1.8pp	11.6%	15.7%	12.5%	51%
CRE	61.6% +3.6pp YoY -0.6pp QoQ	+22.0pp	39.5%	42.0%	41.4%	86%
1-4 Family	28.4% -0.3pp YoY +1.4pp QoQ	-4.2pp	32.6%	24.0%	31.3%	48%
Consumer	0.3% 0.0pp YoY 0.0pp QoQ	-3.8pp	4.1%	5.6%	5.0%	11%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	17.0%	19.7%	n/a
Leverage Ratio	10.8% -0.7pp YoY +0.3pp QoQ	-1.4pp	12.2%	11.7%	12.6%	46%
Total Capital Ratio	n/a	n/a	19.9%	18.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Full-Time Employees	58 -1 (-1.7%) YoY -2 (-3.3%) QoQ	-1	58	150	482	61%
Assets per Employee ($)	$3.3M -5.9% YoY -0.7% QoQ	-$4.2M	$7.5M	$6.5M	$8.8M	2%
Branch Count	6 0 YoY 0 QoQ	+1	4	8	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.9%	0.4%	n/a
Nonaccrual	6.4% -1.3pp YoY -0.6pp QoQ	+5.5pp	0.9%	1.5%	1.0%	99%
Allowance Coverage	0.15x +28.4% YoY +4.7% QoQ	-24.00x	24.15x	61.99x	20.23x	0%
Net Charge-off Rate (YTD)	0.6% -1.6pp YoY -0.5pp QoQ	+0.4pp	0.1%	0.2%	0.2%	95%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
ROE	-2.5% +2.0pp YoY +9.6pp QoQ	-14.7pp	12.2%	11.9%	11.6%	2%
Cost of Funds (YTD)	1.9% -0.2pp YoY -0.1pp QoQ	+0.2pp	1.7%	1.8%	1.7%	63%
Net Income ($, YTD)	$-261000.0 +53.7% YoY — QoQ	-$2.8M	$2.6M	$8.7M	$40.4M	3%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (3)

Liquidity Strain

risk

#14 of 691 • Bottom 1.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 94.25%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

691 of 691 Community banks match · 1092 nationally

→ Stable +81 banks QoQ

Capital Thin

risk

#36 of 661 • Bottom 5.3% in tier

Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.

Why this signature

Tier 1 Capital Ratio: 10.77%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

661 of 661 Community banks match · 923 nationally

→ Stable | QoQ rank improving

Capital Constraint

risk

#23 of 107 • Bottom 20.6% in tier

Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.

Why this signature

Loan-to-Deposit Ratio: 94.25%

(Tier: 77.95%, National: 79.03%)

worse than tier avg

Tier 1 Capital Ratio: 10.77%

(Tier: 15.91%, National: 17.09%)

worse than tier avg

107 of 107 Community banks match · 143 nationally

→ Stable -5 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (3 metrics)

179

Non-Interest Income / Assets

revenue_mix

Value: 0.61%

Peer Median: 0.57%

#179 of 2643 Top 6.7% in $100M-$1B

408

Non-Interest-Bearing Deposit Share

funding

Value: 31.20%

Peer Median: 22.03%

#408 of 2643 Top 15.4% in $100M-$1B

434

Net Interest Margin

profitability

Value: 4.64%

Peer Median: 3.99%

#434 of 2643 Top 16.4% in $100M-$1B

Top Weaknesses (7 metrics)

2624

Nonperforming Asset Ratio

credit_quality

Value: 5.55%

Peer Median: 0.67%

#2624 of 2643 Bottom 0.8% in $100M-$1B

2600

Delinquency Rate

credit_quality

Value: 6.39%

Peer Median: 0.92%

#2600 of 2633 Bottom 1.3% in $100M-$1B

2581

Return on Assets

profitability

Value: -0.27%

Peer Median: 1.32%

#2581 of 2643 Bottom 2.4% in $100M-$1B

2475

Efficiency Ratio

profitability

Value: 88.91%

Peer Median: 64.48%

#2475 of 2643 Bottom 6.4% in $100M-$1B

2179

Loan-to-Deposit Ratio

liquidity

Value: 94.25%

Peer Median: 77.95%

#2179 of 2643 Bottom 17.6% in $100M-$1B

2115

Tier 1 Capital Ratio

capital

Value: 10.77%

Peer Median: 15.91%

#2115 of 2643 Bottom 20.0% in $100M-$1B

2014

Total Assets

size

Value: $189.69M

Peer Median: $386.57M

#2014 of 2643 Bottom 23.8% in $100M-$1B