First Fidelity Bank: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
Cre concentration (tier 1 capital + allowance) climbed 7.04 percentage points in Q2 2026, from 279.27% to 286.31%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, First Fidelity Bank is 57th of 169 on loan-to-deposit ratio, 85.96% as of Q2 2026, above the middle of the field. At 85.96%, First Fidelity Bank's loan-to-deposit ratio is close to the 88.20% median for banks in the $1B-10B asset tier (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $2.14B |
| Net loans and leases | $2.11B |
| Loans held for sale | $0 |
| Loans to total assets | 71.82% |
| Loan-to-deposit ratio | 85.96% |
| Net loans to equity capital | 8.50% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 55.15% |
| Multifamily (5+ residential) | 3.90% |
| Commercial and industrial | 9.29% |
| Consumer | 11.17% |
| Credit cards | 0.05% |
| Farm | 0.07% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.48% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 286.31% |
| Construction concentration (Tier 1 capital + allowance) | 45.89% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | — |
| Interest income on loans | $34.7M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $1.80B | $2.34B | 53.79% | 9.60% | 14.77% |
| Q4 2023 | $1.84B | $2.29B | 52.25% | 10.45% | 14.55% |
| Q1 2024 | $1.85B | $2.32B | 52.29% | 10.05% | 14.63% |
| Q2 2024 | $1.88B | $2.34B | 51.49% | 10.06% | 14.33% |
| Q3 2024 | $1.92B | $2.42B | 50.83% | 10.22% | 14.03% |
| Q4 2024 | $1.96B | $2.36B | 53.37% | 10.49% | 13.53% |
| Q1 2025 | $1.99B | $2.50B | 52.40% | 10.61% | 13.54% |
| Q2 2025 | $1.98B | $2.53B | 53.65% | 9.68% | 13.30% |
| Q3 2025 | $2.04B | $2.47B | 54.39% | 10.05% | 12.55% |
| Q4 2025 | $2.10B | $2.43B | 55.07% | 9.74% | 11.83% |
| Q1 2026 | $2.10B | $2.49B | 55.41% | 9.13% | 11.52% |
| Q2 2026 | $2.14B | $2.49B | 55.15% | 9.29% | 11.17% |
First Fidelity Bank loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Fidelity Bank, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Fidelity Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 23473) · FFIEC NIC profile (RSSD 106359)