BlastPoint's Banking Scorecard
First Enterprise Bank
Micro
Specialty: Commercial
OK
FDIC cert 4049
Designations: ✓ Community bank
Oklahoma City, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
First Enterprise Bank has 2 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.38% above tier
- + Non-Interest Income / Assets 0.62% above tier
Key Concerns
Areas that may need attention
- - Return on Assets 2.46% below tier
- - Delinquency Rate 6.59% above tier
- - Nonperforming Asset Ratio 5.64% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$197.9M
+0.5% YoY
-0.4% QoQ
|
-$19.6M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
51% |
| Total Loans ? |
$166.8M
-3.4% YoY
-3.1% QoQ
|
+$27.7M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
66% |
| Total Deposits ? |
$176.2M
+3.0% YoY
-0.4% QoQ
|
-$7.4M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
53% |
| Return on Assets ? |
-1.38%
-170.1% YoY
+30.5% QoQ
|
-2.46% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
Bottom 2% in tier |
| Net Interest Margin ? |
5.23%
-8.6% YoY
-4.8% QoQ
|
+1.38% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 6% in tier |
| Efficiency Ratio ? |
74.72%
+8.4% YoY
+6.0% QoQ
|
+7.00% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
29% |
| Delinquency Rate ? |
7.23%
+36.8% YoY
-21.0% QoQ
|
+6.59% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
94.67%
-6.2% YoY
-2.7% QoQ
|
+20.15% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Top 15% in tier |
| Non-Interest-Bearing Deposit Share ? |
28.99%
-3.9% YoY
+2.8% QoQ
|
+6.60% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
76% |
| Nonperforming Asset Ratio ? |
6.10%
+31.4% YoY
-23.2% QoQ
|
+5.64% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
1.18%
-3.0% YoY
+32.8% QoQ
|
+0.62% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
Top 6% in tier |
Signature Analysis
Strengths (2)
Net Interest Margin
metric
Top 6%
in Micro
Why this stands out
Current:
5.23%
(Tier avg: 3.85%, National avg: 3.75%)
Non-Interest Income / Assets
metric
Top 6%
in Micro
Why this stands out
Current:
1.18%
(Tier avg: 0.56%, National avg: 0.65%)
Concerns (3)
Return on Assets
metric
Bottom 2%
in Micro
Why this stands out
Current:
-1.38%
(Tier avg: 1.08%, National avg: 1.12%)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
7.23%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
6.10%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
94
94th pctile
Non-Interest Income / Assets
Current: 1.18% · Tier avg: 0.56%
94
94th pctile
Net Interest Margin
Current: 5.23% · Tier avg: 3.85%
85
85th pctile
Loan-to-Deposit Ratio
Current: 94.67% · Tier avg: 74.53%
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 28.99% · Tier avg: 22.39%
66
66th pctile
Total Loans
Current: $166.8M · Tier avg: $139.2M
53
53th pctile
Total Deposits
Current: $176.2M · Tier avg: $183.7M
51
51th pctile
Total Assets
Current: $197.9M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
29
29th pctile
Efficiency Ratio
Current: 74.72% · Tier avg: 67.73%
2
2th pctile
Return on Assets
Current: -1.38% · Tier avg: 1.08%
0
0th pctile
Delinquency Rate
Current: 7.23% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 6.10% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 6.10% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 7.23% · Tier avg: 0.64%
2
2th pctile
Return on Assets
Current: -1.38% · Tier avg: 1.08%
29
29th pctile
Efficiency Ratio
Current: 74.72% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Total Assets
Current: $197.9M · Tier avg: $217.5M
53
53th pctile
Total Deposits
Current: $176.2M · Tier avg: $183.7M
66
66th pctile
Total Loans
Current: $166.8M · Tier avg: $139.2M
76
76th pctile
Non-Interest-Bearing Deposit Share
Current: 28.99% · Tier avg: 22.39%
85
85th pctile
Loan-to-Deposit Ratio
Current: 94.67% · Tier avg: 74.53%
94
94th pctile
Net Interest Margin
Current: 5.23% · Tier avg: 3.85%
94
94th pctile
Non-Interest Income / Assets
Current: 1.18% · Tier avg: 0.56%