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First Enterprise Bank

Oklahoma City, OK · Cert 4049

State charter, non-member · FDIC · 6 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Oklahoma City, OK area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Oklahoma City, OK area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

41

Q2 2024Q2 2026peer median (50)

Asset Quality

12

Q2 2024Q2 2026peer median (50)

Profitability

28

Q2 2024Q2 2026peer median (50)

Liquidity

39

Q2 2024Q2 2026peer median

Efficiency

4

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

First Enterprise Bank

Oklahoma City, OK · Cert 4049

State charter, non-member · FDIC · 6 branches

Q2 2026

$189.7MAssets
$159.8MLoans
$167.9MDeposits
$20.8MEquity
Loan mix
89%RE $139.6M10%C&I $16.4M0%Consumer $0.5MQ2 2025Q2 2026
Deposit mix
69%Interest-bearing $115.5M31%Noninterest $52.4MQ2 2025Q2 2026

NIM

7.17%Q2 ’246.58%Q2 ’256.19%Q2 ’26-18%-5%

Non-interest income vs. expense

4.54%Q2 ’244.35%Q2 ’254.98%Q2 ’26-4%+18%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.3% share · #47 of 71 inst. · $0.2B of $60.8B

Executive Summary

  • Earnings: ROA of -0.27%, up 29 bps year over year; NIM at 4.41%.
  • Asset quality: problem loans at 6.33% of loans (-126 bps YoY), with net charge-offs at 0.60%.
  • Capital: tier 1 leverage ratio of 10.77%, down 68 bps from a year ago.
  • Funding: loans stand at 95.18% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

-0.27%+29 bps YoY

Net Interest Margin (YTD, annualized)

4.41%-22 bps YoY

Efficiency Ratio (YTD, annualized)

88.91%+1,344 bps YoY

Tier 1 Leverage Ratio

10.77%-68 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets-0.56%-1.98%-1.38%-1.27%-0.27%+29 bps
Return on Equity-4.56%-16.75%-11.88%-12.08%-2.51%+205 bps
Net Interest Margin4.63%5.18%5.03%4.30%4.41%-22 bps
Efficiency Ratio75.47%70.49%74.72%91.12%88.91%+1,344 bps
Non-Interest Burden3.21%3.30%3.46%3.81%3.79%+57 bps
Growth
Asset Growth (YoY)4.74%-0.15%0.54%-2.33%-7.45%-1,219 bps
Loan Growth (YoY)1.44%1.43%-3.63%-10.37%-8.36%-980 bps
Deposit Growth (YoY)8.74%2.21%2.95%0.40%-6.70%-1,544 bps
Asset Quality
Nonperforming Loans / Loans7.59%8.95%7.18%6.87%6.33%-126 bps
Net Charge-Offs / Loans2.21%2.44%3.62%1.12%0.60%-161 bps
Allowance / Loans0.91%2.29%0.70%1.01%0.97%+6 bps
Allowance Coverage of NPLs0.1x0.3x0.1x0.1x0.2x0.0x
Capital
Tier 1 Leverage Ratio11.45%10.36%10.71%10.47%10.77%-68 bps
Total Risk-Based Capital11.45%10.36%10.71%10.47%10.77%-68 bps
Equity / Assets11.54%10.50%10.65%10.35%10.97%-57 bps
Liquidity & Funding
Loans / Deposits96.90%99.58%95.34%89.60%95.18%-172 bps
Liquid Assets / Assets9.21%7.72%10.54%14.20%9.57%+36 bps
CRE / Total Capitaln/a495%495%475%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

First Enterprise Bank

Oklahoma City, OK · Cert 4049 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25)

State charter, non-member · FDIC · 6 branches

Q2 2026

$189.7MAssets
$159.8MLoans
$167.9MDeposits
$20.8MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 84% of banks under $1B in assets in the Oklahoma City, OK area (rank 4 of 25).
  • Widest gap: return on equity trails 100% of banks under $1B in assets in the Oklahoma City, OK area (rank 25 of 25).
  • Overall: at or above the peer median on 2 of 9 directional measures.

Return on Assets

-0.28%

Rank 25 of 25

Net Interest Margin

4.41%

Rank 4 of 25

Efficiency Ratio

88.91%

Rank 25 of 25

Equity / Assets

10.97%

Rank 8 of 25

Non-interest income vs. expense

$2.3M$9.6MINCOMEEXPENSE
Unfavorable gap of $7.3M · efficiency ratio beats 4% of banks under $1B in assets in the Oklahoma City, OK area
Bank 88.91%Peer median 63.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.28%0.60%0.90%1.27%Beats 0%25 / 25
Return on Equity-2.51%6.92%9.16%13.29%Beats 0%25 / 25
Net Interest Margin4.41%3.56%3.82%4.10%Beats 84%4 / 25
Efficiency Ratio88.91%56.35%63.12%79.22%Beats 4%25 / 25
Asset Quality
Nonperforming Loans / Loans6.33%0.33%0.76%2.35%Beats 12%23 / 25
Net Charge-Offs / Loans0.30%n/a0.00%0.05%Beats 12%23 / 25
Capital
Tier 1 Capital Ratio10.77%10.27%12.02%13.99%Beats 28%18 / 25
Total Risk-Based Capital Ratio10.77%10.27%12.44%15.25%Beats 28%18 / 25
Equity / Assets10.97%8.64%10.07%11.05%Beats 68%8 / 25
Liquidity & Funding
Loans / Deposits95.18%70.71%82.03%97.03%64th pctl9 / 25
Loans / Assets84.24%62.67%74.54%84.24%72nd pctl7 / 25
Brokered Deposits / Depositsn/aNot reported for this institution