# FIRST FIDELITY BANK
OKLAHOMA CITY, OK · FDIC certificate 23473 · asset band $1-10B · latest filing 2026-06 · live

**Verdict on the desk:** this could be *run candidate*. Composite score 1 (one point per flag, capital below 5% counted twice; 7 or more is where departures cluster).

## What the filing shows (filed dollars, derived ratios; band percentiles in parentheses)

| Measure | Value | Band median |
|---|---|---|
| Total assets | $2.98B | |
| Deposits | $2.49B | |
| Loans and leases | $2.14B | |
| Total equity | $248.8M | |
| Loans / deposits | 84.94% (p45 of band) | 87.10% |
| Liquid assets / assets | 23.56% (p59 of band) | |
| Uninsured deposits / deposits | 26.88% (p37 of band) | 30.76% |
| Brokered deposits | 0.70% | |
| Wholesale funding | 7.90% (p57 of band) | |
| FHLB advances / assets | 7.20% | |
| Tier 1 leverage | 10.22% (p43 of band) | 10.50% |
| Unrealized securities loss / equity | -39.17% (p5 of band) | -7.75% |
| AOCI / equity | -1.14% (p15 of band) | |
| ROA (annualized) | 1.15% (p41 of band) | 1.26% |
| Net interest margin | 3.69% (p49 of band) | 3.70% |
| Efficiency ratio | 59.89% (p53 of band) | |
| Noncurrent loans | 0.46% (p46 of band) | 0.51% |
| Net charge-offs (annualized) | 0.03% (p54 of band) | |
| Reserve coverage of noncurrent | 258.39% | |
| Real estate % of loans | 79% | |
| Construction % of loans | 61.20% (p64 of band) | |
| Auto loans | $222.0M (10.38% of loans; DQ 0.53%, NCO 0.03%) | |
| Loans to nondepository financials | $3.4M (1% of equity) (p76 of band) | |
| Deposits YoY | -1.6% | |
| Employees | 350 | |

## Flags firing in the latest filing

- **securities losses >30% of equity** (`cap_secloss`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2011-03 | 2 | reserve under noncurrent, auto book souring |  |
| 2011-06 | 2 |  |  |
| 2011-09 | 2 |  |  |
| 2011-12 | 2 |  |  |
| 2012-03 | 2 |  |  |
| 2012-06 | 2 |  |  |
| 2012-09 | 3 | uninsured deposits leaving |  |
| 2012-12 | 2 |  | uninsured deposits leaving |
| 2013-03 | 2 |  |  |
| 2013-06 | 2 |  |  |
| 2013-09 | 2 |  |  |
| 2013-12 | 3 | capital falling |  |
| 2014-03 | 2 |  | capital falling |
| 2014-06 | 2 |  |  |
| 2014-09 | 2 |  |  |
| 2014-12 | 2 |  |  |
| 2015-03 | 2 |  |  |
| 2015-06 | 2 |  |  |
| 2015-09 | 2 |  |  |
| 2015-12 | 1 |  | reserve under noncurrent |
| 2016-03 | 2 | capital falling |  |
| 2016-06 | 1 |  | capital falling |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 1 |  |  |
| 2017-06 | 1 |  |  |
| 2017-09 | 1 |  |  |
| 2017-12 | 1 |  |  |
| 2018-03 | 1 |  |  |
| 2018-06 | 2 | capital falling |  |
| 2018-09 | 1 |  | capital falling |
| 2018-12 | 1 |  |  |
| 2019-03 | 1 |  |  |
| 2019-06 | 1 |  |  |
| 2019-09 | 1 |  |  |
| 2019-12 | 2 | capital falling |  |
| 2020-03 | 0 |  | auto book souring, capital falling |
| 2020-06 | 0 |  |  |
| 2020-09 | 1 | capital falling |  |
| 2020-12 | 1 |  |  |
| 2021-03 | 1 |  |  |
| 2021-06 | 1 |  |  |
| 2021-09 | 1 |  |  |
| 2021-12 | 0 |  | capital falling |
| 2022-03 | 2 | AOCI drag >20% of equity, securities losses >30% of equity |  |
| 2022-06 | 2 |  |  |
| 2022-09 | 3 | construction >100% equity |  |
| 2022-12 | 2 |  | construction >100% equity |
| 2023-03 | 2 | deposits shrinking | AOCI drag >20% of equity |
| 2023-06 | 1 |  | deposits shrinking |
| 2023-09 | 1 |  |  |
| 2023-12 | 1 |  |  |
| 2024-03 | 1 |  |  |
| 2024-06 | 1 |  |  |
| 2024-09 | 2 | uninsured deposits leaving |  |
| 2024-12 | 1 |  | uninsured deposits leaving |
| 2025-03 | 1 |  |  |
| 2025-06 | 1 |  |  |
| 2025-09 | 1 |  |  |
| 2025-12 | 1 |  |  |
| 2026-03 | 1 |  |  |
| 2026-06 | 1 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-21 [‘We are so lucky to have her’: KFOR, First Fidelity Bank honor 4th grade science teacher - KFOR](https://news.google.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?oc=5) · KFOR
- 2026-03-06 [First Fidelity Bank Taps Bud Financial for Insight-Driven Digital Banking Upgrade - The Fintech Times](https://news.google.com/rss/articles/CBMirwFBVV95cUxOZFpINXNRS3UxaXNTb0MycTV6LWRJOE1XTXdpQ0hnZ2wzdkNjdTBEUVRUbXNuc2FqSFJpZ2ZGNEpaZ184N3FqZjlaQ0c3ckoxMkRXdnZlZktqb0NCYS0weURTenZWTUR5ODI4V2FuQjAyVDQ5T2R3d1Z6Wlp0a3lEYklrX1dKZXVLWVhVSktham55VFNuSkE4N2VBTk8tc1gtdEd3ZjRzbnBuOWJGYlhR?oc=5) · The Fintech Times
- 2026-07-20 [Norman banker honored in Oklahoma Bankers Hall of Fame - Norman Transcript](https://news.google.com/rss/articles/CBMi2gFBVV95cUxQcl8zNHYzUmtuTE5GMzZYbkV0NTJFYm9DZnpSclRvRDUzQ0p3d3JLQ1kzM1FvSE8xa1JfRlBpNnZjOFlKLVFzT2Vqd3NobTQtVzlXeXRvWEpWcHcwTi1jRy1EbEJESEZieXpXMHhDbzgzM3RRX21wdTdTSS1Xa2ZUVllqZ3pXazR2bDk4S01Vd2ZxS1JSSnJqRE1aY3o0WDB4Qkx3MjAwdUY4V2FjcUtfX29UUUZQZG9OaHItd2VZcXlTX2JYNEw1cGhqdjRpWDBmNVd6OVZlX2JuQQ?oc=5) · Norman Transcript
- 2023-02-28 [First Fidelity Bank, Episode Six Announce Next-Gen Banking as a Service Solution with Launch Customer Unifimoney - Business Wire](https://news.google.com/rss/articles/CBMi_AFBVV95cUxPdVMySkppMjZRblM1ZEdiZktFQmM3cjZBUHhhaHNZa2YzYW5keGJwTC1hOGF1QmtWa0dabV8tM0V5OFVWWHlDV1lYQ0VTbTg1cU5WRHM3VnhKbTBhT2hJMW10a29UMDhCeWZVcWd0RzhmWVBJUUJ5ZUhnS0xFUjdyNjJYaXA1WDVlcGMwOFM2aC1CYWxueFNzV0RPVW1ETi0wMHdqTmxiRkhrRDhQSW5sR25RejBMQTVEdFAxWTNDYmY2akV2QlE2al9jUkswLTN3ZE9SeUZDckRmMnJ0RUVMVjRySlZxSDdkVDUweHVUZWVDeWh0NW1feGxvUlA?oc=5) · Business Wire
- 2023-03-01 [First Fidelity Bank enters BaaS space with Episode Six partnership - Banking Dive](https://news.google.com/rss/articles/CBMiqwFBVV95cUxNck1jUG9mWW4tZDRzNlF6dlFFeVVfeTI5YjVfVEhIQTFvUkFqakJWMFM3WjFYaURfMnJKX004cHdJMmpjYzdsLXpNWlFlWXlmNnJVVEhRdmg4OTRpWGNNdkJwMkNiV09kZ3k2RU9pTWZ3aHFHelotaDdHY3RiWDdCNzFqT0Fhb2NGZ3lrbHpQZlVkaEtnVFRnVnE2ZTRmWXAtRDNuekhjay1JckU?oc=5) · Banking Dive
- 2018-06-29 [Bank employee faces embezzlement charges - KOKH](https://news.google.com/rss/articles/CBMiekFVX3lxTE5kVkdBb09kTXNVaFltZVpxVVZJUXJiWGIwdmtBTzJBRjYyQzRUeHRZTEtQNDByeDRzYUR1UkpscWIwenFjYTVfRldzaFViVk5jMlpoemhsNE1QWmppZ1pkN3gyNnhvMWh0bkhVbXg2N29vQ0ZRb2gydWZR?oc=5) · KOKH
- 2025-03-30 [First Fidelity Bank Selects Cotribute for Commercial Account Opening - FinTech Futures](https://news.google.com/rss/articles/CBMitAFBVV95cUxOYjV5M3ZLZmltTVJveDNFa2NaaDNwQlpaTVFrTlVIU2NoUVlGbnJ5MDliMERzNHhVc0FIOFJCZld6OHVTWVZuUzZ6ODlaOGV3T09FVHJjZno3OEtsX3dXTWxGbTRreE9Yb1k4T195ekFnTkRFdFlzNVc5a01HMG5nUWJ4Z0lzczBfT28wSDdtdVB3NUdOZWJXYzlSajVIRTRZakJVY29IVUVOa3BKTS1OYzFmYi0?oc=5) · FinTech Futures
- 2010-02-12 [Robbery of First Fidelity Bank Branch in Noble - fbi.gov](https://news.google.com/rss/articles/CBMidEFVX3lxTE1CVm9NTE1WVy1HRUdPc0RqT0hlamVvNk1jSzJBSXMxb3V5aXAxVTBERmtvd2I4dUZRQXFuaktyaGJoRnpyTG1NYXVXcWpIX1JNOWxwYloxWkgyUll3V1poX1N4QWcyNnJFRG80R09MOV9qZUtL?oc=5) · fbi.gov

## How to verify

- Page: https://getbookiq.com/bank-desk/#bank=23473 (click any number for its formula and FFIEC field codes)
- Latest row, JSON: https://getbookiq.com/bank-desk/data/summary.json · history: https://getbookiq.com/bank-desk/data/h/49.json (key "23473", columns cycle, ASSET, DEP, LNLSGR, EQTOT, ltd, liquid_pct, unins_pct, lev, aoci_pct_eq, sec_loss_eq, roa, nim, eff, nc_pct, nco_pct, LNAUTO, auto_dq, auto_nco, LNNDEPD, ndfi_eq, wholesale_pct, dep_yoy, score, flags)
- Field definitions: https://getbookiq.com/dictionary/#bank-LNNDEPD and the rest of the bank dictionary
- Source: FDIC call report via BankFind, dollars in thousands as filed. Departed means stopped filing, which is usually a merger; FAILED is the FDIC's own list.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide