First Fidelity Bank (Oklahoma City, OK): Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
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. Headquartered in Oklahoma City, First Fidelity Bank serves the Oklahoma market as a community-focused commercial bank. Total assets stand at $3.0B. Returns are notably above industry norms: 1.34% ROA, 16.15% ROE, and 3.65% NIM. Under the simplified Community Bank Leverage Ratio framework, leverage of 10.22% exceeds the CBLR threshold. Asset quality is pristine, 0.50% NPLs and a 4.32% Texas Ratio. First Fidelity operates a 28-branch network.
As of June 30, 2026, First Fidelity Bank reported a Tier 1 leverage ratio of 10.22%, a return on assets of 1.34%, a nonperforming-loan ratio of 0.50%, a Texas ratio of 4.32%, per financial data filed with the FFIEC.
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
- Offices
- 28 domestic
- Employees (FTE)
- 350
- Domestic deposits
- $2.49B
- Allowance for credit losses
- $25.4M
- Net charge-offs (YTD)
- $452K
- 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
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full First Fidelity Bank terminal
25 years of quarterly trends · 8 tabs · peer percentiles · Excel export
Unlock First Fidelity 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
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.22% | 1.34% | 0.50% | 4.32% | 3.65% |
| Q1 2026 | 10.32% | 0.92% | 0.49% | 3.96% | 3.41% |
| Q4 2025 | 10.18% | 0.97% | 0.48% | 3.97% | 3.36% |
| Q3 2025 | 9.87% | 0.90% | 0.56% | 4.61% | 3.08% |
| Q2 2025 | 9.72% | 1.08% | 0.61% | 5.20% | 3.14% |
| Q1 2025 | 9.83% | 0.71% | 0.61% | 5.37% | 2.96% |
| Q4 2024 | 9.80% | 0.88% | 0.48% | 4.39% | 2.96% |
| Q3 2024 | 9.66% | 0.73% | 0.49% | 4.20% | 2.74% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 27 branches →
| 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 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| June 23, 2007 | Structure Change | Acquired Western Security Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| 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 | 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 8, 1992 | 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 |
| 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 |
| October 16, 1987 | Failure | Failure / assisted resolution | FDIC FAILURES |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 16 events, scroll the table for the full history.
Regulatory record
What the public regulatory sources show for First Fidelity Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- 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 194 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.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
Add this badge to your website
Free to use. The badge always shows First Fidelity Bank’s most recent filed regulatory figures. It updates automatically each quarter, so it never goes stale.
Similar banks
Compare First Fidelity Bank with peers
Side-by-side comparison of capital, profitability, asset quality, and balance sheet. Pick a peer to view the full head-to-head.
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. All figures come directly from the bank's quarterly Schedule RC filing.
Where is First Fidelity Bank headquartered?
First Fidelity Bank is headquartered in Oklahoma City, OK, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was First Fidelity Bank founded?
First Fidelity Bank was established in 1981, per the FDIC institution directory.
Is First Fidelity Bank FDIC-insured?
Yes. First Fidelity Bank 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. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does First Fidelity Bank operate?
First Fidelity Bank operates 28 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?
First Fidelity Bank's Texas Ratio is 4.32% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
Go deeper on First Fidelity Bank.
Unlock the full terminal: 25 years of quarterly trends, peer benchmarking, watch flags, and Excel tearsheets for this bank and every other US institution.
Unlock First Fidelity Bank, freeFree account