First Enterprise Bank: how it compares with its peers
Against 63 OK banks with half to twice its assets, First Enterprise Bank's strongest measure in Q2 2026 is net interest margin (4.64% vs. a 4.26% peer median). Its weakest relative measure is return on assets (-0.27% vs. 1.59%).
| Measure | First Enterprise Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | -0.27% | 1.59% | Bottom third Ahead of 2% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.64% | 4.26% | Middle third Ahead of 63% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 88.91% | 58.61% | Bottom third Ahead of 6% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $3.3M | $6.3M | Bottom third Ahead of 3% of peers |
| Loans to deposits Net loans and leases over total deposits. | 94.25% | 75.26% | Context |
What it means for lending operations
Its efficiency ratio of 88.91% is above the 58.61% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- The Bank of Beaver City Beaver, OK · $189M
- The First National Bank and Trust Company of Miami Miami, OK · $191M
- The Bank of the West Thomas, OK · $192M
- The Farmers State Bank Quinton, OK · $194M
- THE SEILING STATE BANK Seiling, OK · $195M
- Oklahoma Capital Bank Tulsa, OK · $196M
Questions about First Enterprise Bank
How big is First Enterprise Bank?
First Enterprise Bank, established in 1907, is headquartered in Oklahoma City, OK. It reported $190M in total assets in its Q2 2026 FDIC call report and operates 6 offices.
What is First Enterprise Bank's return on assets?
-0.27% annualized in Q2 2026, against a 1.59% median for 63 OK banks with half to twice its assets, ahead of 2% of them.
What is First Enterprise Bank's efficiency ratio?
88.91% in Q2 2026: it spent about 89 cents in noninterest expense for each dollar of revenue. The peer median is 58.61%, and lower is better.
Is First Enterprise Bank growing its loans?
Net loans shrank 8.4% over the year to Q2 2026, while deposits shrank 6.7%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.