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
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.
Banks $1B-$10B in assets (n=313 to 319). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
7
Asset Quality
54
Profitability
51
Liquidity
91
Efficiency
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.
Oklahoma City, OK · Cert 23473 · First Fidelity Bcorp Inc.
State charter, Fed member · FED · 27 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 2.9% share · #6 of 71 inst. · $1.7B of $60.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.76% | 0.73% | 0.92% | 0.93% | 0.94% | 0.94% | 1.15% | +23 bps | |
| Return on Equity | 10.18% | 10.81% | 9.98% | 12.44% | 12.18% | 12.11% | 11.09% | 13.65% | +120 bps | |
| Net Interest Margin | 2.56% | 2.62% | 2.83% | 2.87% | 2.89% | 3.00% | 3.25% | 3.36% | +48 bps | |
| Efficiency Ratio | 69.68% | 68.94% | 70.23% | 63.99% | 64.78% | 64.21% | 65.81% | 59.89% | -411 bps | |
| Non-Interest Burden | 1.60% | 1.62% | 1.82% | 1.63% | 1.67% | 1.72% | 1.95% | 1.77% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 3.97% | 2.61% | 6.25% | 6.49% | 2.82% | 4.27% | 1.06% | 1.33% | -516 bps | |
| Loan Growth (YoY) | 6.59% | 6.48% | 7.78% | 5.42% | 6.35% | 7.10% | 5.15% | 7.90% | +249 bps | |
| Deposit Growth (YoY) | 3.43% | 3.13% | 7.86% | 8.11% | 2.25% | 3.13% | -0.63% | -1.64% | -975 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.46% | 0.44% | 0.55% | 0.58% | 0.51% | 0.43% | 0.43% | 0.46% | -13 bps | |
| Net Charge-Offs / Loans | 0.03% | 0.03% | 0.08% | 0.25% | 0.17% | 0.15% | 0.03% | 0.04% | -20 bps | |
| Allowance / Loans | 1.29% | 1.29% | 1.27% | 1.20% | 1.18% | 1.17% | 1.20% | 1.19% | -1 bps | |
| Allowance Coverage of NPLs | 2.8x | 2.9x | 2.3x | 2.1x | 2.3x | 2.7x | 2.8x | 2.6x | +0.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.66% | 9.80% | 9.83% | 9.72% | 9.87% | 10.18% | 10.32% | 10.22% | +50 bps | |
| Total Risk-Based Capital | 9.66% | 9.80% | 9.83% | 9.72% | 9.87% | 10.18% | 10.32% | 10.22% | +50 bps | |
| Equity / Assets | 7.60% | 7.18% | 7.39% | 7.63% | 8.26% | 8.40% | 8.51% | 8.35% | +72 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 79.41% | 83.09% | 79.57% | 78.36% | 82.60% | 86.29% | 84.19% | 85.96% | +760 bps | |
| Liquid Assets / Assets | 1.36% | 1.02% | 3.34% | 5.24% | 1.68% | 0.88% | 1.69% | 0.50% | -474 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 444% | 457% | 451% | n/a | n/a | |
Oklahoma City, OK · Cert 23473 · Peer group: banks $1B-$10B in assets (n=313-319) · First Fidelity Bcorp Inc.
State charter, Fed member · FED · 27 branches
Q2 2026
Return on Assets
1.14%
Rank 182 of 319
Net Interest Margin
3.36%
Rank 184 of 319
Efficiency Ratio
59.89%
Rank 162 of 319
Equity / Assets
8.35%
Rank 285 of 319
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.14% | 0.91% | 1.21% | 1.53% | Beats 43% | 182 / 319 | ||
| Return on Equity | 13.61% | 8.49% | 11.44% | 14.57% | Beats 68% | 102 / 319 | ||
| Net Interest Margin | 3.36% | 3.06% | 3.43% | 3.81% | Beats 42% | 184 / 319 | ||
| Efficiency Ratio | 59.89% | 51.90% | 59.57% | 67.64% | Beats 50% | 162 / 319 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.46% | 0.25% | 0.54% | 1.18% | Beats 58% | 134 / 313 | ||
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.04% | 0.12% | Beats 49% | 160 / 313 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.22% | 11.74% | 12.99% | 15.28% | Beats 7% | 298 / 319 | ||
| Total Risk-Based Capital Ratio | 10.22% | 12.61% | 14.01% | 16.23% | Beats 4% | 305 / 319 | ||
| Equity / Assets | 8.35% | 9.03% | 10.33% | 12.01% | Beats 11% | 285 / 319 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 85.96% | 76.76% | 88.16% | 95.43% | 45th pctl | 173 / 314 | ||
| Loans / Assets | 71.82% | 65.79% | 74.05% | 79.84% | 42nd pctl | 185 / 319 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||