TellerScore

Headquartered in Oklahoma City, Oklahoma, First Fidelity Bank is a state-chartered bank (fed member) with $3.0B in total assets and $2.5B in deposits as of Q2 2026. It operates 28 offices across 3 states. Its charter dates back to 1981.

First Fidelity Bank has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than 53% of its 897 banks with $1 billion – $10 billion. Among 170 banks headquartered in Oklahoma, it ranks 88th. Problem-loan coverage contributes the most (93/100, 3.6%); capital cushion contributes the least (52/100, 10.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion52/100
Tier 1 leverage ratio: 10.22%
Loan quality85/100
Noncurrent loans ÷ total loans: 0.46%
Earnings66/100
Return on assets (annualized): 1.15%
Funding & liquidity62/100
Loans ÷ deposits and uninsured-deposit share: 84.9% · 26.9% uninsured
Problem-loan coverage93/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 3.59%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 3 points (66 → 69), mostly because the funding & liquidity component weakened by 13 points.

TellerScore
656769Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202465
Q3 202466
Q4 202466
Q1 202565
Q2 202566
Q3 202566
Q4 202568
Q1 202668
Q2 202669
Tier 1 leverage ratio
5.00%7.66%10.32%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 20249.55%
Q3 20249.66%
Q4 20249.80%
Q1 20259.83%
Q2 20259.72%
Q3 20259.87%
Q4 202510.18%
Q1 202610.32%
Q2 202610.22%
Noncurrent loans
0.43%0.51%0.58%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.44%
Q3 20240.46%
Q4 20240.44%
Q1 20250.55%
Q2 20250.58%
Q3 20250.51%
Q4 20250.43%
Q1 20260.43%
Q2 20260.46%
Return on assets
0.69%0.92%1.15%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.69%
Q3 20240.71%
Q4 20240.76%
Q1 20250.73%
Q2 20250.92%
Q3 20250.93%
Q4 20250.94%
Q1 20260.94%
Q2 20261.15%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202669$3.0B10.22%0.46%1.15%84.9%
Q1 202668$2.9B10.32%0.43%0.94%83.2%
Q4 202568$2.9B10.18%0.43%0.94%85.3%
Q3 202566$2.9B9.87%0.51%0.93%81.6%
Q2 202566$2.9B9.72%0.58%0.92%77.4%
Q1 202565$2.9B9.83%0.55%0.73%78.6%
Q4 202466$2.8B9.80%0.44%0.76%82.0%
Q3 202466$2.8B9.66%0.46%0.71%78.4%
Q2 202465$2.8B9.55%0.44%0.69%79.3%

897 peers · $1 billion – $10 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.22%
43rd
Total risk-based capital0.00%
13th
Problem loans0.46%
55th
Net charge-offs0.04%
47th
Return on assets1.15%
41st
Net interest margin3.69%
49th
Efficiency ratio59.9%
47th
Loans to deposits84.9%
55th
Uninsured deposits26.9%
63rd
Loan-loss reserves1.19%
56th
Texas ratio3.6%
50th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Armstrong BankBank Muskogee, OK74 out of 100, Strong$2.8B10.4%0.25%vs
Regent BankBank Tulsa, OK43 out of 100, Below average$2.2B9.9%2.51%vs
Gateway First BankBank Jenks, OK54 out of 100, Below average$2.1B14.1%4.36%vs
Mabrey BankBank Bixby, OK63 out of 100, Moderate$2.0B8.5%0.41%vs
RCB BankBank Claremore, OK72 out of 100, Strong$4.0B10.7%0.94%vs
Great Plains National BankBank Elk City, OK62 out of 100, Moderate$1.9B9.4%1.33%vs

Deposit insurance

Is my money safe at First Fidelity Bank?

Yes. First Fidelity Bank is an FDIC-insured institution (FDIC certificate #23473). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 26.9% of deposits ($669.1M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 10.22%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

28 locations

Branches

First Fidelity Bank lists 28 offices in 15 cities across 3 states. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, First Fidelity Bank reported 273 home-loan applications under HMDA (LEI 549300ZL6THC5R7VUP98): 116 originated ($35,150,000 total), 127 denied, and 7 withdrawn or closed by the applicant. Its denial rate on decided applications was 47.7%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
First Fidelity Bank
Former names
Commercial Bank, National Association; First Fidelity Bank, National Association
Type
State-chartered bank (Fed member)
FDIC certificate #
23473
RSSD ID
106359
Primary regulator
FED
Holding company
First Fidelity Bcorp Inc
Established
July 1, 1981
Headquarters
5100 N Classen Blvd, Oklahoma City, OK 73118
Website
ffb.com
Employees
350

Quick answers

First Fidelity Bank: common questions

Is First Fidelity Bank FDIC insured?

Yes. First Fidelity Bank is an FDIC-insured institution (FDIC certificate #23473). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is First Fidelity Bank's TellerScore?

69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has First Fidelity Bank ever failed?

FDIC records show Commercial Bank, N.A. failed on October 16, 1987.

How many branches does First Fidelity Bank have?

28 offices as of the latest FDIC data, in 3 states.

Nearby

Highest-scoring banks and credit unions with branches near Oklahoma City

InstitutionScoreAssetsCapitalProblem loansCompare
Oklahoma Federal Credit UnionCredit union Oklahoma City, OK91 out of 100, Very strong$198.9M20.2%0.24%vs
International Bank of CommerceBank Oklahoma City, OK88 out of 100, Very strong$1.6B15.5%0.66%vs
Bank 7Bank Oklahoma City, OK86 out of 100, Very strong$1.9B13.9%0.39%vs
Sooner State BankBank Tuttle, OK86 out of 100, Very strong$354.6M12.8%0.33%vs
U. S. Employees O. C. Federal Credit UnionCredit union Oklahoma City, OK85 out of 100, Very strong$213.5M16.3%0.20%vs
Liberty National BankBank Lawton, OK84 out of 100, Strong$1.3B10.3%0.02%vs