# FIRST ENTERPRISE BANK
OKLAHOMA CITY, OK · FDIC certificate 4049 · asset band <$300M · latest filing 2026-06 · live

**Verdict on the desk:** this could be *credit-stressed*. Composite score 8 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $189.7M | |
| Deposits | $167.9M | |
| Loans and leases | $159.8M | |
| Total equity | $20.8M | |
| Loans / deposits | 94.25% (p86 of band) | 73.59% |
| Liquid assets / assets | 14.22% (p10 of band) | |
| Uninsured deposits / deposits | 27.15% (p75 of band) | 19.81% |
| Brokered deposits | 3.72% | |
| Wholesale funding | 3.72% (p67 of band) | |
| FHLB advances / assets | 0.00% | |
| Tier 1 leverage | 10.77% (p36 of band) | 11.76% |
| Unrealized securities loss / equity | 0.00% (p95 of band) | -6.57% |
| AOCI / equity | 0.00% (p78 of band) | |
| ROA (annualized) | -0.27% (p5 of band) | 1.17% |
| Net interest margin | 4.64% (p81 of band) | 3.93% |
| Efficiency ratio | 88.91% (p89 of band) | |
| Noncurrent loans | 6.33% (p98 of band) | 0.36% |
| Net charge-offs (annualized) | 0.49% (p97 of band) | |
| Reserve coverage of noncurrent | 15.38% | |
| Real estate % of loans | 89% | |
| Construction % of loans | 149.47% (p98 of band) | |
| Auto loans | $159,000 (0.10% of loans; DQ 0.00%, NCO 0.00%) | |
| Loans to nondepository financials | $0 (0% of equity) (p48 of band) | |
| Deposits YoY | -6.7% | |
| Employees | 58 | |

## Flags firing in the latest filing

- **losing money** (`earn_negative`)
- **noncurrent p90** (`aq_noncurrent`)
- **charge-offs p90** (`aq_nco`)
- **reserve under noncurrent** (`aq_reserve`)
- **construction >100% equity** (`conc_construction`)
- **deposits shrinking** (`shrink_deposits`)
- **assets shrinking** (`shrink_assets`)
- **uninsured deposits leaving** (`flight_uninsured`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 4 | loans exceed deposits, wholesale funding >15%, reserve under noncurrent, construction >100% equity |  |
| 2011-06 | 5 | brokered >10% |  |
| 2011-09 | 6 | capital falling |  |
| 2011-12 | 5 |  | loans exceed deposits |
| 2012-03 | 4 | noncurrent p90 | brokered >10%, capital falling |
| 2012-06 | 3 |  | noncurrent p90 |
| 2012-09 | 2 | uninsured deposits leaving | wholesale funding >15%, construction >100% equity |
| 2012-12 | 2 | assets shrinking | uninsured deposits leaving |
| 2013-03 | 5 | brokered >10%, wholesale funding >15%, deposits shrinking |  |
| 2013-06 | 5 |  |  |
| 2013-09 | 6 | loans exceed deposits |  |
| 2013-12 | 6 | liquid assets <10% | reserve under noncurrent |
| 2014-03 | 2 |  | assets shrinking, brokered >10%, wholesale funding >15%, deposits shrinking |
| 2014-06 | 7 | brokered >10%, wholesale funding >15%, capital falling, reserve under noncurrent, construction >100% equity |  |
| 2014-09 | 4 |  | brokered >10%, wholesale funding >15%, capital falling |
| 2014-12 | 4 |  |  |
| 2015-03 | 5 | capital falling, uninsured deposits leaving | liquid assets <10% |
| 2015-06 | 5 | liquid assets <10% | uninsured deposits leaving |
| 2015-09 | 4 |  | capital falling |
| 2015-12 | 4 |  |  |
| 2016-03 | 3 |  | construction >100% equity |
| 2016-06 | 3 |  |  |
| 2016-09 | 2 |  | liquid assets <10% |
| 2016-12 | 3 | liquid assets <10% |  |
| 2017-03 | 4 | noncurrent p90 |  |
| 2017-06 | 5 | capital falling |  |
| 2017-09 | 3 |  | liquid assets <10%, capital falling |
| 2017-12 | 2 |  | loans exceed deposits |
| 2018-03 | 4 | capital falling, assets shrinking |  |
| 2018-06 | 4 | loans exceed deposits, charge-offs p90 | capital falling, assets shrinking |
| 2018-09 | 3 |  | charge-offs p90 |
| 2018-12 | 2 |  | noncurrent p90 |
| 2019-03 | 4 | noncurrent p90, construction >100% equity |  |
| 2019-06 | 1 |  | loans exceed deposits, noncurrent p90, construction >100% equity |
| 2019-09 | 4 | loans exceed deposits, liquid assets <10%, construction >100% equity |  |
| 2019-12 | 5 | brokered >10% |  |
| 2020-03 | 3 | uninsured deposits leaving | reserve under noncurrent, loans exceed deposits, liquid assets <10% |
| 2020-06 | 4 | capital falling, charge-offs p90 | uninsured deposits leaving |
| 2020-09 | 4 | wholesale funding >15% | charge-offs p90 |
| 2020-12 | 3 |  | wholesale funding >15% |
| 2021-03 | 2 |  | brokered >10% |
| 2021-06 | 3 | charge-offs p90, reserve under noncurrent | capital falling |
| 2021-09 | 3 |  |  |
| 2021-12 | 4 | capital falling, noncurrent p90 | charge-offs p90 |
| 2022-03 | 3 |  | capital falling |
| 2022-06 | 3 |  |  |
| 2022-09 | 5 | deposits shrinking, assets shrinking |  |
| 2022-12 | 5 |  |  |
| 2023-03 | 4 | uninsured deposits leaving | reserve under noncurrent, noncurrent p90 |
| 2023-06 | 1 |  | deposits shrinking, assets shrinking, uninsured deposits leaving |
| 2023-09 | 3 | capital falling, reserve under noncurrent |  |
| 2023-12 | 2 |  | reserve under noncurrent |
| 2024-03 | 1 |  | capital falling |
| 2024-06 | 4 | loans exceed deposits, noncurrent p90, reserve under noncurrent |  |
| 2024-09 | 3 |  | loans exceed deposits |
| 2024-12 | 4 | loans exceed deposits |  |
| 2025-03 | 3 |  | loans exceed deposits |
| 2025-06 | 6 | capital falling, losing money, charge-offs p90 |  |
| 2025-09 | 6 |  |  |
| 2025-12 | 5 |  | capital falling |
| 2026-03 | 5 |  |  |
| 2026-06 | 8 | deposits shrinking, assets shrinking, uninsured deposits leaving |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-02-12 [Straw-Owner, Diversion Enterprise Shut Down in OK - CRB Monitor News](https://news.google.com/rss/articles/CBMijgFBVV95cUxNTGJ6X1dNbXJ6NzlOUUw5cGUyZTc5OXlGeE81cnR6SGpqbWdlcnFja19WQV9wZE1TdHRyTmVEd3huYmdacG1CbTJESVhpSDZHTERQX0hCUDZTU2pwYTlYUjJYMFRhSWc2WlFpN2JjXzJLNWdlLWxoNW1KNnY1eEVTbWlNUXB4YjZQWWQxRDdB?oc=5) · CRB Monitor News
- 2013-11-01 [FDIC terminates consent order for OKC bank - journalrecord.com](https://news.google.com/rss/articles/CBMikgFBVV95cUxQSzRyOU9QTDUyRlRwYXJ5MzhrLUR1TkdlR1lla1hPOXZSbnVXeXdyUE56dFZlWXExUEgzTXNjZzZZMV8wbVVDWGZtcThzMTBDM3FlZWlodzV6NFBhbGVSa1hSbmkwTjJGNGxBWDhuNXdadkJXeWJvdUY3LXNJVlBqa2ljdExMYk12eVNPckR0cWVpZw?oc=5) · journalrecord.com
- 2021-09-14 [Local bank president named Chairman of the Community Bankers Association of Oklahoma - Guthrie News Page](https://news.google.com/rss/articles/CBMiswFBVV95cUxOVlJ5aWZpNklUN3JPWnhrdExjRndBREQtNEJTTURFQzhmUURTY3ROUWVxM21GTVlHRWpyRmlzWmg2azkzTElBVHN6ZTlBUmVGcHBsU1RGaVFGbzYxRGs2cXAwNUppLWlwRWl5MmdtSHZRbnI1ZnJ4SEU4ZVBQM085SWFXRmxmVms2c2lQNE83RnctTkFfOXlVVmZSUDJHMVN5ZlkzaWdLeXVyblhYMS1wNkVqZw?oc=5) · Guthrie News Page
- 2021-09-26 [Bill Richardson Obituary - Oklahoma City, OK - Dignity Memorial](https://news.google.com/rss/articles/CBMijAFBVV95cUxNQmpFWDRUbmJ4X1ZnX01WWmh4V3Qwa1hYeVRYeERJcVVBdkRHcnYyZHBReVB3dHhkb2tkdG9hZWxkY1hnZHBFSjBURmlQNGVHaFZpVFdiWnpIa1A2X0s0TlF6clJ6b1VtZUJNMWQ0QUYwVkgzYTBpRDRpemhhQklQVlJqM3VfRFBIREdHMg?oc=5) · Dignity Memorial
- 2024-06-15 [Mike Jones Obituary May 25, 2018 - Tribute Memorial Care](https://news.google.com/rss/articles/CBMiWkFVX3lxTE54ejNkTDAtS0lTUlRrTkt3R3laZHRwVDdhNlljQmFKMzN4YUdaZlJnbzNBaUF1ZkJlbmQ2bVY2ODQ3YWtKeEVoWUZfR2FwblFsMUFCOWpHV2pEdw?oc=5) · Tribute Memorial Care
- 2017-08-17 [Heartland Data Breach Update: Thousands of Institutions Impacted - BankInfoSecurity](https://news.google.com/rss/articles/CBMiogFBVV95cUxNWVEyRWhPeVlpYXZaX19sN1VhVk5zZ1RJb2xUMlNFUmhWdnU2c1NxVXRJcVBxYTJXM0ptVjFreVRaQjJQNkdoQmFKWmQxU3ZNMU5ROGRsbVVreFdIeUhHMmEwSjdnaHVoaDd3ZmhWQmdDX1huU3UyeFlYakxsMW1DTEJEMmVsR3BLelpjd0xENjB1eFBqOXFFcFdtc1lqVE44YlE?oc=5) · BankInfoSecurity
- 2022-06-27 [Kenneth Keith Sanders Obituary (2022) - Moore, OK - John M. Ireland & Son Funeral Home and Chapel - Moore - legacy.com](https://news.google.com/rss/articles/CBMihAFBVV95cUxQLVFvLTBITER3QlRwOG5ncUhyVi1GdnVHcnRSRUR5WmU2WDB3NjI0RlE4RnRwRklXR19ocFpxcjUtSkZwSVZBN2FGNVhTUzEyMm1xcU54MHFCUzlhQmI1ZHktSW02b2w4REIzR0I2a1hXWGNqRUpsdFl3M1FGeGwwSGUzVGI?oc=5) · legacy.com
- 2019-02-24 [The old town of Britton is undergoing renovation and restoration through private investment - The Oklahoman](https://news.google.com/rss/articles/CBMijAJBVV95cUxNUm9EQWVEdWM2OWdPTFdTTjEySXB4VVFQeWVFbFJkM1lOa0VGLXdFTVlEcFJESVBsZlRtMFNMM1Z5N2RQQ0c5M0JuQktGNllYYmJjd0NIZHNud3JOSU42bHZQLTJVb1pPVWYyQ3VwcUNpcUtYajk2UUNQNlpqZWdrdml5T3N2NzhkSlFvMkFRS1cyOE1qRURYTTdxYlBvT0JoU1l5RGt0Y25OQjFMTXplamRhRUFYa1RCS29GYzV2T1I0b25WS2VoQUprWjBQZ1dlc2M2Z1BWN3I0TDBfcDV5T0ltLU9valdhN3JzZTM1bURiemNWTVVmaHZRN2swNHpJS0dWZjZWam44eTlD?oc=5) · The Oklahoman

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=4049 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/17.json (key "4049", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide