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Q2 2026 · read from the 30 June 2026 Call Report · United States · Southwest · Oklahoma, the state note

First Fidelity Bank

Oklahoma City, Oklahoma · $2.98B in assets · beside the 11 other Oklahoma banks between $1B and $3B

The filing

8.4%
Equity / assets
10th of 12
86.0%
Loans / deposits
4th of 12
44.1%
CRE / loans
9th of 12

First Fidelity Bank is the largest of the 12 Oklahoma banks nearest its size between $1B and $3B, with $2.98B in assets at 30 June 2026. Loans are 86.0% of deposits, 4th of 12 against a median of 96.6%, and equity is 8.4% of assets, 10th of 12. Loans grew +7.9% in the year, 8th of 12, and deposits fell 1.6%; the cohort's median loan growth is +10.4%.

Noncurrent loans are 0.46% of the book, 6th of 12 against a median of 0.51%; 0.32% is 30 to 89 days past due, and the allowance covers them 2.6 times. Commercial real estate is 44.1% of loans, 9th of 12 against a median of 38.3%, and 308% of capital, above the 300% screen, with construction at 50% against the 100% screen.

Return on assets is 1.12%, 7th of 12 against a median of 1.17%, on an efficiency ratio of 59.9%, 5th of 12. Five years ago it was 1.44%. The question is what the concentration does under a commercial real estate stress, and how much of it is owner-occupied (owner-occupied nonresidential is 22.1% of loans).

Equity as a share of assetsOK banks $1B to $3B · 30 June 2026 · higher is stronger, listed first
median 9.5% IB International Bank of Com 15.6% B Bank 7 13.9% GF Gateway First Bank 13.7% SB Sovereign Bank 10.6% GP Great Plains National Bank 10.0% BS Blue Sky Bank 9.7% RB Regent Bank 9.4% AH American Heritage Bank 9.2% FO First Oklahoma Bank 8.8% FF First Fidelity Bank 8.4% AB Armstrong Bank 8.2% MB Mabrey Bank 7.1%
Loans, year over yearOK banks $1B to $3B · 30 June 2026 · no better direction, largest first
median +10.4% RB Regent Bank +21.9% SB Sovereign Bank +20.4% AB Armstrong Bank +19.7% FO First Oklahoma Bank +12.8% MB Mabrey Bank +12.7% BS Blue Sky Bank +11.3% GP Great Plains National Bank +9.5% FF First Fidelity Bank +7.9% B Bank 7 +6.8% GF Gateway First Bank +6.1% AH American Heritage Bank -1.7% IB International Bank of Com -3.1%

SBA 7(a), FY2008 to FY2026

First Fidelity Bank is the 68th largest 7(a) lender into Arizona of 337, with $22M across 48 loans, 0.2% of everything approved in the state (Wells Fargo Bank National Association leads with $1.09B). 4 of its 11 markets have had no approvals since before FY2023: an absence in the record, not a stated withdrawal.

Where it lends in Arizona, and where it has gone quietshare movement, FY2023 to FY2025 against FY2020 to FY2022; outlined counties are on the book
Gaining shareLosing shareFlatGone quiet: nothing since FY2023Too thin to read a directionNo record
Every market on the book, largest firstrank and share among every lender in the county, FY2008 to FY2026
CountyApprovedRankShareTrend
Maricopa, AZ$20M58th of 3030.3%quiet FY2016
Oklahoma, OK$3M55th of 1720.3%thin
Gila, AZ$1M22nd of 442.2%quiet FY2009
Tulsa, OK$1M97th of 1590.1%thin
Navajo, AZ$600K39th of 600.4%quiet FY2011
Montgomery, TX$332K144th of 1650.0%thin
Coconino, AZ$290K65th of 780.1%quiet FY2010
Sedgwick, KS$271K109th of 1280.0%thin
Logan, OK$158K23rd of 300.5%thin
Cleveland, OK$150K74th of 880.1%thin
Wise, TX$133K66th of 700.1%thin
What it lends to: the five largest industries on the bookshare of book is concentration; share of sector and rank are position, among every 7(a) lender nationally
IndustryLoansApprovedShare of bookShare of sectorRank
Health care & social assistance18$10M34.9%0.02%389th of 2,172
Accommodation & food services13$6M21.0%0.01%747th of 2,596
Professional & technical services12$3M11.9%0.01%573rd of 1,955
Retail trade7$2M8.3%0.00%1098th of 2,589
Construction7$2M5.6%0.00%1024th of 2,063
7(a) lenders into Arizona, share of approvals since FY2008337 lenders on record; the ten largest and First Fidelity Bank
WF Wells Fargo Bank National Associa… 10.4% $1.09B · 2,910 loans LO Live Oak Banking Company 5.9% $619M · 476 loans JC JPMorgan Chase Bank, National Ass… 5.5% $581M · 2,830 loans AF Arizona Financial Credit Union 4.0% $419M · 564 loans UB U.S. Bank, National Association 3.3% $351M · 1,216 loans CB Celtic Bank Corporation 3.2% $336M · 494 loans PB PNC Bank, National Association 3.1% $323M · 1,375 loans EB Enterprise Bank & Trust 3.0% $315M · 391 loans MB MidFirst Bank 3.0% $314M · 365 loans AF America First Federal Credit Union 2.6% $275M · 255 loans FF First Fidelity Bank 0.2% $22M · 48 loans

Commercial real estate against capital

Commercial real estate concentrationthe 2006 interagency screens against total risk-based capital; Tier 1 stands in for the 4 CBLR filers, First Fidelity Bank among them; owner-occupied excluded; bold marks a screen met
First Fidelity BankRankCohort median
Total CRE against capital, the 300% screen308%9th of 12248%
Construction against capital, the 100% screen50%2nd of 1283%
Construction and land development, share of loans7.1%2nd of 1212.4%
Non-owner-occupied nonfarm nonresidential, share of loans33.1%12th of 1222.5%
Total CRE, the guidance definition, share of loans44.1%9th of 1238.3%
CRE growth over 36 months, the third prong+21.2%4th of 12+38.3%

Among its peers

Where it sits among its peersnavy: the stronger half of each column; amber: the weaker; darker at the ends
InstitutionAssetsROAEfficiencyNPA / loansNet charge-offsAllowance / loansLoans / depositsEquity / assets
First Fidelity Bank$2.98B1.1%59.9%0.46%0.04%1.2%86.0%8.4%
Armstrong Bank$2.84B1.3%59.2%0.25%0.15%1.1%80.2%8.2%
Regent Bank$2.24B0.9%66.2%2.51%0.05%1.2%96.5%9.4%
Gateway First Bank$2.06B1.4%74.8%4.36%0.02%0.7%124.3%13.7%
Mabrey Bank$2.02B1.2%58.1%0.41%0.01%1.2%94.5%7.1%
Great Plains National Bank$1.93B1.8%65.8%1.33%0.37%1.2%96.6%10.0%
Bank 7$1.91B2.2%45.3%0.39%-0.01%1.2%97.8%13.9%
International Bank of Com$1.63B1.3%55.6%0.66%0.26%1.7%55.8%15.6%
American Heritage Bank$1.48B0.9%68.3%0.21%0.11%1.5%43.4%9.2%
Sovereign Bank$1.47B0.6%75.4%0.06%0.00%1.3%101.1%10.6%
Blue Sky Bank$1.35B0.9%67.0%2.06%0.01%1.2%101.0%9.7%
First Oklahoma Bank$1.34B0.9%64.2%0.55%0.07%0.9%97.6%8.8%
Five years, 2021 to 2026same quarter, five years apart; dollars as growth, ratios in points
First Fidelity BankCohort median
20212026Change20212026Change
Loans$1.53B$2.14B+40%$816M$1.58B+93%
Deposits$2.18B$2.49B+14%$991M$1.46B+48%
NPA / loans0.32%0.46%+0.14 pts0.36%0.51%+0.14 pts
Efficiency53.6%59.9%+6.3 pts62.4%65.0%+2.6 pts
ROA1.44%1.12%-0.32 pts1.17%1.17%-0.00 pts

This read was prepared for First Fidelity Bank's board and management from the public record, and is one slice of what Lynx builds for any bank from its own filing: the peer cohort, the capital, liquidity and rate models with the assumptions the institution sets, and a summary report of twenty sections for the board.

The full pack on First Fidelity Bank is prepared on request, and thirty days on the institution's own numbers are open to anyone at the bank.

Ask for the pack

Prepared 7 September 2026
Filing 30 June 2026
Cohort OK banks $1B to $3B
Institution FFB.com

Public record only: FFIEC Call Report, 30 June 2026; FDIC data; cohort by state and asset band; SBA 7(a) FOIA release as of the 2026 file, loans credited to the institution holding them today. Computed from the institution's own Call Report and its peers' as published; no estimate, no adjustment; not a rating, not an audited statement and not a supervisory judgement.
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