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First Fidelity Bank

Oklahoma City, OK · Cert 23473 · First Fidelity Bcorp Inc.

State charter, Fed member · FED · 27 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks $1B-$10B in assets3

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 $1B-$10B in assets (n=311 to 317). 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

7

Q2 2024Q2 2026peer median (50)

Asset Quality

53

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

91

Q2 2024Q2 2026peer median

Efficiency

50

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 Fidelity Bank

Oklahoma City, OK · Cert 23473 · First Fidelity Bcorp Inc.

State charter, Fed member · FED · 27 branches

Q2 2026

$3.0BAssets
$2.1BLoans
$2.5BDeposits
$248.8MEquity
Loan mix
79%RE $1.6B9%C&I $0.2B12%Consumer $0.2BQ2 2025Q2 2026
Deposit mix
70%Interest-bearing $1.7B30%Noninterest $0.8BQ2 2025Q2 2026

NIM

4.53%Q2 ’244.73%Q2 ’255.01%Q2 ’26+13%+17%

Non-interest income vs. expense

2.17%Q2 ’242.18%Q2 ’252.34%Q2 ’26-1%+8%

Market Position · Oklahoma City, OK · 2026 SOD (annual) · 2.9% share · #6 of 71 inst. · $1.7B of $60.8B

2.4% Oklahoma
0.4% Maricopa
9.1% Cleveland
1.9% Canadian

Executive Summary

  • Earnings: ROA of 1.15%, up 23 bps year over year; NIM at 3.36%.
  • Asset quality: problem loans at 0.46% of loans (-13 bps YoY), with net charge-offs at 0.04%.
  • Capital: tier 1 leverage ratio of 10.22%, up 50 bps from a year ago.
  • Funding: loans stand at 85.96% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.15%+23 bps YoY

Net Interest Margin (YTD, annualized)

3.36%+48 bps YoY

Efficiency Ratio (YTD, annualized)

59.89%-411 bps YoY

Tier 1 Leverage Ratio

10.22%+50 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.92%0.93%0.94%0.94%1.15%+23 bps
Return on Equity12.44%12.18%12.11%11.09%13.65%+120 bps
Net Interest Margin2.87%2.89%3.00%3.25%3.36%+48 bps
Efficiency Ratio63.99%64.78%64.21%65.81%59.89%-411 bps
Non-Interest Burden1.63%1.67%1.72%1.95%1.77%+14 bps
Growth
Asset Growth (YoY)6.49%2.82%4.27%1.06%1.33%-516 bps
Loan Growth (YoY)5.42%6.35%7.10%5.15%7.90%+249 bps
Deposit Growth (YoY)8.11%2.25%3.13%-0.63%-1.64%-975 bps
Asset Quality
Nonperforming Loans / Loans0.58%0.51%0.43%0.43%0.46%-13 bps
Net Charge-Offs / Loans0.25%0.17%0.15%0.03%0.04%-20 bps
Allowance / Loans1.20%1.18%1.17%1.20%1.19%-1 bps
Allowance Coverage of NPLs2.1x2.3x2.7x2.8x2.6x+0.5x
Capital
Tier 1 Leverage Ratio9.72%9.87%10.18%10.32%10.22%+50 bps
Total Risk-Based Capital9.72%9.87%10.18%10.32%10.22%+50 bps
Equity / Assets7.63%8.26%8.40%8.51%8.35%+72 bps
Liquidity & Funding
Loans / Deposits78.36%82.60%86.29%84.19%85.96%+760 bps
Liquid Assets / Assets5.24%1.68%0.88%1.69%0.50%-474 bps
CRE / Total Capitaln/a444%457%451%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 Fidelity Bank

Oklahoma City, OK · Cert 23473 · Peer group: banks $1B-$10B in assets (n=311-317) · First Fidelity Bcorp Inc.

State charter, Fed member · FED · 27 branches

Q2 2026

$3.0BAssets
$2.1BLoans
$2.5BDeposits
$248.8MEquity

Executive Summary

  • Strongest standing: return on equity outperforms 68% of banks $1B-$10B in assets (rank 100 of 317).
  • Widest gap: total risk-based capital ratio trails 95% of banks $1B-$10B in assets (rank 302 of 317).
  • Overall: at or above the peer median on 3 of 9 directional measures.

Return on Assets

1.14%

Rank 183 of 317

Net Interest Margin

3.36%

Rank 185 of 317

Efficiency Ratio

59.89%

Rank 160 of 317

Equity / Assets

8.35%

Rank 286 of 317

Non-interest income vs. expense

$17.3M$70.6MINCOMEEXPENSE
Unfavorable gap of $53.3M · efficiency ratio beats 50% of banks $1B-$10B in assets
Bank 59.89%Peer median 59.7%Q2 2025Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.14%0.93%1.22%1.51%Beats 42%183 / 317
Return on Equity13.61%8.63%11.43%14.48%Beats 68%100 / 317
Net Interest Margin3.36%3.06%3.45%3.83%Beats 42%185 / 317
Efficiency Ratio59.89%51.90%59.69%67.53%Beats 50%160 / 317
Asset Quality
Nonperforming Loans / Loans0.46%0.24%0.51%1.14%Beats 56%138 / 311
Net Charge-Offs / Loans0.04%0.01%0.04%0.12%Beats 49%161 / 311
Capital
Tier 1 Capital Ratio10.22%11.75%13.15%15.30%Beats 7%295 / 317
Total Risk-Based Capital Ratio10.22%12.63%14.21%16.26%Beats 5%302 / 317
Equity / Assets8.35%9.06%10.32%11.95%Beats 10%286 / 317
Liquidity & Funding
Loans / Deposits85.96%76.63%88.04%95.67%45th pctl171 / 312
Loans / Assets71.82%65.41%74.05%79.71%42nd pctl183 / 317
Brokered Deposits / Depositsn/aNot reported for this institution