First Fidelity Bank
Oklahoma City, OK · Cert 23473 · Peer group: banks $1B-$10B in assets (n=322-328) · 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 69% of banks $1B-$10B in assets (rank 101 of 328).
- Widest gap: total risk-based capital ratio trails 95% of banks $1B-$10B in assets (rank 313 of 328).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
1.14%
Rank 192 of 328
Net Interest Margin
3.36%
Rank 189 of 328
Efficiency Ratio
59.89%
Rank 169 of 328
Equity / Assets
8.35%
Rank 297 of 328
Non-interest income vs. expense
Unfavorable gap of $53.3M · efficiency ratio beats 49% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.14% | 0.91% | 1.22% | 1.52% | Beats 41% | 192 / 328 | |
| Return on Equity | 13.61% | 8.43% | 11.45% | 14.43% | Beats 69% | 101 / 328 | |
| Net Interest Margin | 3.36% | 3.03% | 3.45% | 3.83% | Beats 42% | 189 / 328 | |
| Efficiency Ratio | 59.89% | 51.61% | 59.56% | 67.53% | Beats 49% | 169 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.46% | 0.24% | 0.51% | 1.03% | Beats 56% | 143 / 322 | |
| Net Charge-Offs / Loans | 0.04% | 0.01% | 0.03% | 0.10% | Beats 47% | 173 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 10.22% | 11.75% | 13.15% | 15.47% | Beats 7% | 306 / 328 | |
| Total Risk-Based Capital Ratio | 10.22% | 12.63% | 14.15% | 16.46% | Beats 5% | 313 / 328 | |
| Equity / Assets | 8.35% | 9.15% | 10.33% | 12.01% | Beats 9% | 297 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 85.96% | 76.63% | 87.92% | 95.36% | 46th pctl | 176 / 323 | |
| Loans / Assets | 71.82% | 65.18% | 74.15% | 79.98% | 43rd pctl | 188 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |