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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

$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

4.62%Q2 ’244.88%Q2 ’255.16%Q2 ’26+16%+16%

Non-interest income vs. expense

2.09%Q2 ’242.08%Q2 ’252.23%Q2 ’26-3%+7%

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 1.36%, up 25 bps year over year; NIM at 3.49%.
  • Asset quality: problem loans at 0.46% of loans (-13 bps YoY), with net charge-offs at 0.06%.
  • 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 (quarter, annualized)

1.36%+25 bps YoY

Net Interest Margin (quarter, annualized)

3.49%+49 bps YoY

Efficiency Ratio (quarter, annualized)

54.46%-383 bps YoY

Tier 1 Leverage Ratio

10.22%+50 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.11%0.93%0.99%0.94%1.36%+25 bps
Return on Equity14.75%11.75%11.84%11.09%16.15%+140 bps
Net Interest Margin3.00%2.95%3.20%3.25%3.49%+49 bps
Efficiency Ratio58.29%66.32%62.61%65.81%54.46%-383 bps
Non-Interest Burden1.50%1.76%1.78%1.95%1.61%+11 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 / Loans0.41%0.04%0.10%0.03%0.06%-35 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