First Fidelity Bank: how it compares with its peers
Against 10 OK banks with half to twice its assets, First Fidelity Bank's strongest measure in Q2 2026 is assets per employee ($8.5M vs. a $7.7M peer median). Its weakest relative measure is return on assets (1.15% vs. 1.42%).
| Measure | First Fidelity Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 1.15% | 1.42% | Bottom third Ahead of 10% of peers |
| Net interest margin Annualized net interest income over earning assets. | 3.69% | 3.99% | Bottom third Ahead of 20% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 59.89% | 58.57% | Middle third Ahead of 40% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $8.5M | $7.7M | Middle third Ahead of 60% of peers |
| Loans to deposits Net loans and leases over total deposits. | 84.94% | 95.41% | Context |
What it means for lending operations
Its efficiency ratio of 59.89% is above the 58.57% peer median: it spends more to earn each dollar of revenue than most banks its size. Staff time on manual borrower verification (collecting pay stubs, bank statements, and employment letters, then re-keying them) is one of the larger controllable costs behind that number.
Banks closest in size
- Armstrong Bank Muskogee, OK · $2.84B
- Regent Bank Tulsa, OK · $2.24B
- Gateway First Bank Jenks, OK · $2.06B
- Mabrey Bank Bixby, OK · $2.02B
- RCB Bank Claremore, OK · $3.98B
- Great Plains National Bank Elk City, OK · $1.93B
Questions about First Fidelity Bank
How big is First Fidelity Bank?
First Fidelity Bank, established in 1981, is headquartered in Oklahoma City, OK. It reported $2.98B in total assets in its Q2 2026 FDIC call report and operates 28 offices.
What is First Fidelity Bank's return on assets?
1.15% annualized in Q2 2026, against a 1.42% median for 10 OK banks with half to twice its assets, ahead of 10% of them.
What is First Fidelity Bank's efficiency ratio?
59.89% in Q2 2026: it spent about 60 cents in noninterest expense for each dollar of revenue. The peer median is 58.57%, and lower is better.
Is First Fidelity Bank growing its loans?
Net loans grew 7.9% over the year to Q2 2026, while deposits shrank 1.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are OK banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Oklahoma bank ranked.