First Fidelity Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks First Fidelity Bank of Oklahoma City, OK against its peer group of 931 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA Behind the peer average, ahead of the median peer. | 1.34% | 1.46% | -0.12% | 55th above |
| ROAE | 16.15% | 12.71% | +3.44% | 77th top |
| Net Interest Margin | 3.65% | 3.85% | -0.20% | 46th below |
| Efficiency Ratio | 54.33% | 57.41% | -3.08% | 62nd above |
| PPNR / Avg Assets Behind the peer average, ahead of the median peer. | 1.86% | 1.88% | -0.02% | 60th above |
| Yield on Earning Assets | 5.43% | 5.72% | -0.29% | 43rd below |
| Cost of Funds | 1.90% | 2.02% | -0.12% | 57th above |
| Net Interest Spread | 2.79% | 3.18% | -0.39% | 33rd below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.50% | 1.00% | -0.50% | 58th above |
| NPA / Total Assets | 0.36% | 0.76% | -0.40% | 60th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.06% | 0.43% | -0.37% | 38th below |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.19% | 1.31% | -0.12% | 56th above |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 239.49% | 543.71% | -304.22% | 62nd above |
| Texas Ratio | 4.32% | 7.39% | -3.07% | 54th above |
| Provision / NCO Behind the peer average, ahead of the median peer. | 265.49% | 619.08% | -353.59% | 65th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 10.22% | 11.44% | -1.22% | 43rd below |
| Equity / Assets | 8.35% | 11.34% | -2.99% | 10th bottom |
| TCE / Tangible Assets | 7.91% | 10.50% | -2.59% | 10th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 85.96% | 86.95% | -0.99% | 56th above |
| Core Deposit Ratio | 94.22% | 85.54% | +8.68% | 80th top |
| Uninsured Deposit Ratio | 26.88% | 33.13% | -6.25% | 65th above |
| Wholesale Funding Ratio | 7.20% | 5.70% | +1.50% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.33% | 9.69% | -8.36% | 24th bottom |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.90% | 8.06% | -0.16% | 63rd above |
| Deposit Growth (Y/Y) | -1.64% | 7.88% | -9.52% | 12th bottom |
See First Fidelity Bank's peers by name
The 931 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock First Fidelity Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full First Fidelity Bank profile, how to read a UBPR, or how this data updates.