Bank Comparison
First Fidelity Bank vs Regent Bank
Side-by-side regulatory financials for the latest quarter on file with the FFIEC.
vs
16 · 5
winning metrics across 21 comparable rows
Capital adequacy
| Metric | First Fidelity Bank | Regent Bank |
|---|---|---|
| CET1 Ratio | — | 10.52% |
| Tier 1 Capital Ratio | — | 10.52% |
| Total Capital Ratio | — | 11.70% |
| Tier 1 Leverage Ratio | 10.32% | 9.98% |
| Equity / Assets | 8.51% | 9.87% |
Profitability
| Metric | First Fidelity Bank | Regent Bank |
|---|---|---|
| Return on Assets (ROA) | 0.92% | 0.68% |
| Return on Equity (ROE) | 11.09% | 6.98% |
| Net Interest Margin (NIM) | 3.41% | 4.14% |
| Yield on Earning Assets | 5.17% | 6.56% |
| Cost of Funds | 1.88% | 2.66% |
Asset quality
| Metric | First Fidelity Bank | Regent Bank |
|---|---|---|
| Texas Ratio | 3.96% | 24.52% |
| Non-Performing Loan Ratio | 0.49% | 2.74% |
| Non-Performing Asset Ratio | 0.35% | 2.61% |
| Net Charge-Off Ratio | 0.03% | 0.04% |
| ACL / Loans | 1.20% | 1.25% |
Balance sheet
| Metric | First Fidelity Bank | Regent Bank |
|---|---|---|
| Total Assets | $2,933M | $2,072M |
| Total Deposits | $2,488M | $1,809M |
| Total Loans | $2,095M | $1,701M |
| Total Equity | $249,607K | $204,602K |
| Net Income (quarter) | $6,870K | $3,496K |
Liquidity & funding
| Metric | First Fidelity Bank | Regent Bank |
|---|---|---|
| Loan-to-Deposit Ratio | 84.19% | 93.99% |
| Core Deposit Ratio | 95.08% | 93.77% |
| Uninsured Deposit Ratio | 26.08% | 25.85% |
Identity
| Metric | First Fidelity Bank | Regent Bank |
|---|---|---|
| Headquarters City | OKLAHOMA CITY | TULSA |
| Headquarters State | OK | OK |
| Asset Tier | Large | Large |
| Charter Class | 0 | 0 |
| Regulator | FED | FDIC |
| Domestic Branches | 27 | 6 |
| Employees (FTE) | 345 | 249 |
| Established | July 1, 1981, midnight | Jan. 1, 1898, midnight |
About this comparison
All metrics are sourced from FFIEC call report filings — the public regulatory financial reports every FDIC-insured US bank files quarterly. Both banks are reported as of . The "winner" highlight is determined by the supervisory direction convention: higher is better for capital and profitability metrics; lower is better for risk metrics like Texas Ratio and uninsured-deposit ratio.
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