First Fidelity Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Reserve coverage of non-performing loans dropped 5.21 percentage points in Q2 2026, from 244.69% to 239.49%. It was the largest change from Q1 2026 among the key lines here. Within Oklahoma, First Fidelity Bank is 93rd of 169 on return on assets, 1.34% as of Q2 2026, below the middle of the field. First Fidelity Bank reported 1.34% on return on assets for Q2 2026, 0.06 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.22% |
| Equity capital to assets | 8.35% |
| Tangible equity to tangible assets | 7.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.50% |
| Non-performing assets ratio | 0.36% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 4.32% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 239.49% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.34% |
| Return on equity | 16.15% |
| Net interest margin | 3.65% |
| Efficiency ratio | 54.33% |
| Yield on earning assets | 5.43% |
| Cost of funds | 1.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 85.96% |
| Core deposits to total deposits | 94.22% |
| Brokered deposits to total deposits | 0.84% |
| Deposits to assets | 83.55% |
| Securities to assets | 21.09% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.76% | 11.76% | 12.95% | 9.13% | 0.86% |
| Q4 2023 | 12.09% | 12.09% | 13.29% | 9.29% | 1.10% |
| Q1 2024 | — | — | — | 9.38% | 0.58% |
| Q2 2024 | — | — | — | 9.55% | 0.76% |
| Q3 2024 | — | — | — | 9.66% | 0.73% |
| Q4 2024 | — | — | — | 9.80% | 0.88% |
| Q1 2025 | — | — | — | 9.83% | 0.71% |
| Q2 2025 | — | — | — | 9.72% | 1.08% |
| Q3 2025 | — | — | — | 9.87% | 0.90% |
| Q4 2025 | — | — | — | 10.18% | 0.97% |
| Q1 2026 | — | — | — | 10.32% | 0.92% |
| Q2 2026 | — | — | — | 10.22% | 1.34% |
First Fidelity Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Fidelity Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, 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)