BlastPoint's Banking Scorecard

First Enterprise Bank

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

Oklahoma City, OK

6 branches across OK

2664 banks in the $100M-$1B peer group nationally 107 in OK

First Enterprise Bank has 1 strength but faces 5 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 0.56% above tier average

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 6.0% in tier
- Capital Thin: Bottom 7.7% in tier
- Return on Assets 2.54% below tier average
- Delinquency Rate 6.06% above tier average
- Nonperforming Asset Ratio 5.10% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OK)	National Avg	Tier Percentile
Total Assets ?	$197.6M -2.3% YoY -0.2% QoQ	-$188.5M	$386.1M +0.5% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	26%
Total Loans ?	$156.4M -10.5% YoY -6.3% QoQ	-$99.3M	$255.7M +1.1% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	38%
Total Deposits ?	$176.3M +0.4% YoY +0.0% QoQ	-$151.7M	$328.0M +0.1% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	28%
Return on Assets ?	-1.27% -187.4% YoY +8.0% QoQ	-2.54%	1.27% +12.9% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	Bottom 0.9% in tier
Net Interest Margin ?	4.49% -9.1% YoY -14.1% QoQ	+0.56%	3.93% +6.0% YoY	4.25% +2.4% YoY	3.89% +5.7% YoY	82%
Efficiency Ratio ?	91.12% +24.3% YoY +21.9% QoQ	+25.84%	65.29% -4.5% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	Bottom 5.9% in tier
Delinquency Rate ?	6.94% +25.1% YoY -4.0% QoQ	+6.06%	0.89% +18.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	Bottom 0.8% in tier
Loan-to-Deposit Ratio ?	88.69% -10.8% YoY -6.3% QoQ	+12.05%	76.64% +0.8% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	27%
Non-Interest-Bearing Deposit Share ?	30.91% +8.4% YoY +6.6% QoQ	+8.89%	22.02% -1.0% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	84%
Nonperforming Asset Ratio ?	5.74% +19.7% YoY -5.9% QoQ	+5.10%	0.64% +19.7% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Bottom 0.6% in tier
Tier 1 Capital Ratio ?	10.47% -17.0% YoY -2.3% QoQ	-5.36%	15.83% +1.5% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	16%
Non-Interest Income / Assets ?	0.28% -4.7% YoY -76.4% QoQ	+0.00%	0.28% +9.3% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	Top 7.5% in tier

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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 (2)

Efficiency Drag

risk

#26 of 414 • Bottom 6.0% in tier

Efficiency ratio above 80% - operating costs elevated relative to revenue. Margin improvement opportunity.

Why this signature

Efficiency Ratio: 91.12%

(Tier: 65.29%, National: 66.95%)

worse than tier avg

414 of 414 Community banks match · 492 nationally

→ Stable

Capital Thin

risk

#52 of 666 • Bottom 7.7% 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: 10.47%

(Tier: 15.83%, National: 17.06%)

worse than tier avg

666 of 666 Community banks match · 926 nationally

→ Stable +3 banks QoQ | QoQ rank improving

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 2664 peers in $100M-$1B

Top Strengths (3 metrics)

202

Non-Interest Income / Assets

revenue_mix

Value: 0.28%

Peer Median: 0.28%

#202 of 2664 Top 7.5% in $100M-$1B

426

Non-Interest-Bearing Deposit Share

funding

Value: 30.91%

Peer Median: 22.02%

#426 of 2664 Top 16.0% in $100M-$1B

484

Net Interest Margin

profitability

Value: 4.49%

Peer Median: 3.93%

#484 of 2664 Top 18.1% in $100M-$1B

Top Weaknesses (5 metrics)

2648

Nonperforming Asset Ratio

credit_quality

Value: 5.74%

Peer Median: 0.64%

#2648 of 2664 Bottom 0.6% in $100M-$1B

2634

Delinquency Rate

credit_quality

Value: 6.94%

Peer Median: 0.89%

#2634 of 2654 Bottom 0.8% in $100M-$1B

2641

Return on Assets

profitability

Value: -1.27%

Peer Median: 1.27%

#2641 of 2664 Bottom 0.9% in $100M-$1B

2508

Efficiency Ratio

profitability

Value: 91.12%

Peer Median: 65.29%

#2508 of 2664 Bottom 5.9% in $100M-$1B

2244

Tier 1 Capital Ratio

capital

Value: 10.47%

Peer Median: 15.83%

#2244 of 2664 Bottom 15.8% in $100M-$1B