First Fidelity Bank (Oklahoma City, OK)
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Data as of · sourced from FFIEC call reports. How we update
First Fidelity Bank is an FDIC-insured commercial bank headquartered in Oklahoma City, OK, established in 1981 (FDIC certificate 23473), and it is supervised by the Federal Reserve. At Q2 2026 it reported total assets of $2.98B, up 1.3% from Q2 2025, the 8th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.22% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- Federal Reserve
- Deposit insurance
- FDIC
- FDIC certificate
- 23473
- Headquarters
- Oklahoma City, OK
- Established
- 1981
- Total assets, Q2 2026
- $2.98B
- Assets vs Q2 2025
- +1.3%
- Tier 1 leverage ratio, Q2 2026
- 10.22%
- Domestic offices
- 27 FDIC institution directory, current count
- Routing number
- 103002691
- Latest call report
- Q2 2026, FFIEC 041 · First Fidelity Bank call report
- Holding company
- FIRST FIDELITY BANCORP, INC.
- Asset rank in state
- 8th of 169 in Oklahoma
First Fidelity received FDIC open-bank assistance in October 1987, one of the rare cases where the FDIC intervened to preserve operations rather than close the bank. First Fidelity Bank, based in Oklahoma City, Oklahoma, reported $3.0 billion in assets at June 30, 2026, up 1.3% from a year earlier. It lost 1.6% of its deposits over the year, lower than about three-quarters of the 895 banks with $1 billion to $10 billion in assets (median 5.1%). It also returns 16.2% a year on shareholders' equity, higher than about three-quarters of banks its size (median 12.6%).
Loans and deposits moved in opposite directions: over the year loans rose 7.9% and deposits fell 1.6%. Paper losses on its bond portfolio are shrinking: unrealized losses of $97 million equal 32% of Tier 1 capital, down from 38% a year earlier. Concentration is the risk to watch: it holds commercial real estate loans worth 2.9 times its capital, higher than about three-quarters of banks its size (median 2.2 times).
As of June 30, 2026, First Fidelity Bank reported a return on assets of 1.34%, a nonperforming-loan ratio of 0.46% and a Texas ratio of 3.78%. The figures come from its call report filed with the FFIEC.
By total assets at Q2 2026, First Fidelity Bank is the 8th largest of the 169 banks headquartered in Oklahoma. Between Q1 2026 and Q2 2026, its total assets rose 1.5% to $2.98B, loans rose 2.1% and deposits were flat. The largest part of its loan book on June 30, 2026 was non-owner-occupied commercial real estate loans, at 33.1% of total loans, ahead of owner-occupied commercial real estate loans at 22.1%. The FDIC Summary of Deposits lists 27 offices for it, in 15 cities across 3 states; its Oklahoma City 7 offices book 34% of its branch deposits. By the capital ratios in its Q2 2026 call report, First Fidelity Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 5100 N Classen Blvd, Oklahoma City, OK 73118
- County
- Oklahoma
- Metro Area
- Oklahoma City, OK
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- Federal Reserve
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 041
- Established
- July 1, 1981
- Domestic offices
- 27 FDIC institution directory, current count
- Employees (FTE)
- 350
- Domestic deposits
- $2.49B
- Allowance for credit losses
- $25.4M
- Net charge-offs (YTD)
- $452K
- Average total assets
- $3.01B
- Average total loans
- $2.12B
- Average interest-bearing deposits
- $1.73B
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- No
- FDIC-insured since
- July 1, 1981
- FDIC Cert
- 23473
- Fed RSSD
- 106359
- SEC CIK
- 711403 → filed by FIRST FIDELITY BANCORP, INC.
- Website
- FFB.com →
- Parent Holding Company
- FIRST FIDELITY BANCORP, INC. (RSSD 1064728)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, First Fidelity Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
First Fidelity Bank's total assets moved between a low of $2.71B (Q3 2023) and a high of $2.98B (Q2 2026) from Q3 2023 to Q2 2026, and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$2.98B total assets against $2.94B; $2.73B total liabilities against $2.72B.
$2.11B net loans and leases against $1.96B; $2.49B total deposits against $2.53B.
$628.3M securities against $632.4M; $73.5M cash and balances due against $191.7M.
$38.9M total interest income against $36.7M; $12.7M total interest expense against $14.3M.
$26.1M net interest income against $22.4M.
$4.6M total noninterest income against $4.3M; $16.8M total noninterest expense against $15.6M.
$600K provision for credit losses against $500K.
$10.1M net income against $8.1M.
1.34% return on assets against 1.08%; 3.65% net interest margin against 3.14%.
10.22% tier 1 leverage ratio against 9.72%.
Inside the full First Fidelity Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans are between 200% and 300% of total capital, approaching the 2006 interagency guidance threshold of 300% that triggers heightened supervisory attention. BankRegReports early-warning band below the 300% guidance.
First Fidelity Bank rankings
Its closest position to the top of a national ranking is 422 of 4,196, for total assets; its furthest is 644 of 980, for uninsured deposits.
Quarterly trend: last 8 quarters
From Q3 2024 to Q2 2026, its return on assets ran from 0.71% (Q1 2025) to 1.34% (Q2 2026) and its net interest margin ran from 2.74% (Q3 2024) to 3.65% (Q2 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.22% | 1.34% | 0.46% | 3.78% | 3.65% |
| Q1 2026 | 10.32% | 0.92% | 0.43% | 3.44% | 3.41% |
| Q4 2025 | 10.18% | 0.97% | 0.43% | 3.52% | 3.36% |
| Q3 2025 | 9.87% | 0.90% | 0.51% | 4.14% | 3.08% |
| Q2 2025 | 9.72% | 1.08% | 0.58% | 4.95% | 3.14% |
| Q1 2025 | 9.83% | 0.71% | 0.55% | 4.84% | 2.96% |
| Q4 2024 | 9.80% | 0.88% | 0.44% | 4.06% | 2.96% |
| Q3 2024 | 9.66% | 0.73% | 0.46% | 3.89% | 2.74% |
Swipe the table sideways to see every column.
Branch Network
View all 27 branches → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| First Fidelity Bank (main office) | Oklahoma City , OK | 73118 | $588.9M |
| North Scottsdale Branch | Scottsdale , AZ | 85254 | $259.5M |
| First Fidelity Bank Phoenix Branch | Phoenix , AZ | 85018 | $201.2M |
| Downtown Norman Office | Norman , OK | 73069 | $176.8M |
| Moore Main Branch | Moore , OK | 73160 | $162.0M |
| 39th Expressway Office | Warr Acres , OK | 73122 | $157.9M |
| Brookhaven Branch | Norman , OK | 73072 | $104.4M |
| Mesa Office Branch | Mesa , AZ | 85201 | $93.8M |
| Deer Valley Branch | Phoenix , AZ | 85027 | $86.0M |
| West Moore Office | Oklahoma City , OK | 73170 | $69.8M |
| Edmond Coffee Creek Branch | Edmond , OK | 73003 | $64.9M |
| Mustang Branch | Mustang , OK | 73064 | $56.8M |
| Capitol Hill Office | Oklahoma City , OK | 73109 | $53.8M |
| Midwest City Branch | Midwest City , OK | 73110 | $49.7M |
| Downtown Scottsdale Branch | Scottsdale , AZ | 85251 | $47.8M |
| Northwest Expressway Office | Oklahoma City , OK | 73132 | $41.3M |
| Nichols Hills Office Branch | Nichols Hills , OK | 73116 | $37.7M |
| Tech Center Branch | Greenwood Village , CO | 80111 | $36.0M |
| Meridian Avenue Branch | Oklahoma City , OK | 73108 | $32.9M |
| Quail Creek Branch | Oklahoma City , OK | 73120 | $29.6M |
| Noble Branch | Noble , OK | 73068 | $27.5M |
| Edmond Broadway Branch | Edmond , OK | 73013 | $24.7M |
| Edmond Rose Creek Office Branch | Edmond , OK | 73013 | $23.5M |
| Lindsey Office | Norman , OK | 73069 | $21.0M |
| Midtown Okc Branch | Oklahoma City , OK | 73103 | $19.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| August 24, 2013 | Structure Change | Acquired Sunrise Bank of Arizona Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 23, 2013 | Merger | Participated in FDIC Assisted Merger | FDIC |
| June 23, 2007 | Structure Change | Acquired Western Security Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| June 23, 2007 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| November 18, 2006 | Structure Change | Acquired Edmond Bank and Trust Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| November 17, 2006 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 20, 1996 | Structure Change | Acquired Community Bank & Trust Co. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 20, 1996 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 8, 1992 | Structure Change | Acquired City National Bank & Trust Company Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 8, 1992 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| August 17, 1990 | Structure Change | Acquired Capitol Bank & Trust Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| August 16, 1990 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| September 9, 1989 | Structure Change | Acquired Mercantile Bank, N.A. Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| September 8, 1989 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| October 16, 1987 | FDIC Assistance | Open Bank Assistance | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 15 events, scroll the table for the full history.
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- March 30, 2006, OCC: Civil Money Penalty (CMP): First Fidelity Bank, National Association
- Period: Most recent institution action March 30, 2006. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 1.2% of deposits in OK, rank 12 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 273 applications, 116 loans originated, $35.1M originated, across 9 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 3 loans, $1.5M approved, $516K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2025 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about First Fidelity Bank
What are First Fidelity Bank's total assets?
As of the Q2 2026 filing, First Fidelity Bank reported total assets of $2.98 billion in its FFIEC call report.
Where is First Fidelity Bank headquartered?
It is headquartered in Oklahoma City, OK, United States.
When was First Fidelity Bank founded?
It was established in 1981, per the FDIC institution directory.
Is First Fidelity Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #23473). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates First Fidelity Bank?
First Fidelity Bank's primary federal regulator is the Federal Reserve.
How many branches does First Fidelity Bank operate?
It operates 27 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is First Fidelity Bank's Texas Ratio?
Its Texas Ratio is 3.78% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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