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First Fidelity Bank
Oklahoma City, OK·FDIC Cert #23473·Charter: STATE·Est. 19810701.0·HC: FIRST FIDELITY BCORP INC
Total Assets
$2.9B
Q4 2025
Return on Assets
0.94%
+0.01%Peer avg: 1.24%
Equity / Assets
0.00%
Capital ratio
Efficiency Ratio
64.21%
Peer avg: 58.2%
CAMELS Profile
Capital, Asset Quality, Management, Earnings, Liquidity, Sensitivity
56
Fair
Income Decomposition
Waterfall — how net income is built
Key Ratios — 12-Quarter Trend
ROA
0.94%+0.01
ROE
12.11%-0.07
Efficiency
64.21%-0.57
Equity/Assets
0.00%+0.00
NPL Ratio
0.43%-0.08
Tier 1 Leverage
0.00%+0.00
Loan/Deposit
85.28%+3.65
Charge-offs
0.16%-0.02
Quarter-over-Quarter Changes
Heatmap — green = improving, red = deteriorating
| Ratio | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 |
|---|---|---|---|---|---|---|---|---|
| ROA | 0.6 | 0.7 | 0.7 | 0.8 | 0.7 | 0.9 | 0.9 | 0.9 |
| ROE | 8.9 | 10.2 | 10.2 | 10.8 | 10.0 | 12.4 | 12.2 | 12.1 |
| Efficiency | 74.7 | 70.9 | 69.7 | 68.9 | 70.2 | 64.0 | 64.8 | 64.2 |
| Equity/Assets | — | — | — | — | — | — | — | — |
| Tier 1 Lev. | — | — | — | — | — | — | — | — |
| NPL Ratio | 0.4 | 0.4 | 0.5 | 0.4 | 0.6 | 0.6 | 0.5 | 0.4 |
| Charge-offs | 0.0 | 0.0 | 0.0 | 0.0 | 0.1 | 0.2 | 0.2 | 0.2 |
| Loan/Deposit | 78.6 | 79.3 | 78.4 | 82.0 | 78.6 | 77.4 | 81.6 | 85.3 |
Balance Sheet
Total Assets$2.9B
Total Deposits$2.4B
Total Loans$2.1B
Total Equity$246.1M
Profitability
ROA0.94%
ROE12.11%
Efficiency Ratio64.21%
Net Income$27.3M
Risk & Asset Quality
NPL Ratio0.43%
Charge-off Rate0.16%
Loan/Deposit85.28%
Tier 1 LeverageN/A
Historical Trends
Balance Sheet ($B)
Assets, Deposits, Loans
Profitability Ratios
ROA, ROE (%)
Efficiency Ratio
Lower = more efficient
Asset Quality — NPL Ratio
Non-performing loans / total loans