BlastPoint's Banking Scorecard
First Fidelity Bank
Community
Specialty: Commercial
OK
FDIC cert 23473
Oklahoma City, OK
1484
banks in Community tier nationally
45 in OK
View Community leaderboard (OK) →
First Fidelity Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 44% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
+4.3% YoY
+1.2% QoQ
|
+$1.5B |
$1.4B
+2.0% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Top 10% in tier |
| Total Loans ? |
$2.1B
+7.2% YoY
+2.8% QoQ
|
+$1.1B |
$975.5M
+2.4% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$2.4B
+3.1% YoY
-1.6% QoQ
|
+$1.3B |
$1.2B
+1.7% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Top 10% in tier |
| Return on Assets ? |
0.94%
+23.9% YoY
+1.5% QoQ
|
-0.22% |
1.16%
+17.2% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
34% |
| Net Interest Margin ? |
3.31%
+13.4% YoY
+2.0% QoQ
|
-0.36% |
3.66%
+9.1% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
31% |
| Efficiency Ratio ? |
64.21%
-6.9% YoY
-0.9% QoQ
|
+1.57% |
62.63%
-5.3% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
44% |
| Delinquency Rate ? |
0.43%
-2.5% YoY
-14.9% QoQ
|
-0.19% |
0.63%
+18.3% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
85.28%
+4.0% YoY
+4.5% QoQ
|
+2.22% |
83.06%
+0.3% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
51% |
| Non-Interest-Bearing Deposit Share ? |
31.47%
+0.4% YoY
+4.7% QoQ
|
+10.43% |
21.05%
-0.9% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
0.31%
+0.2% YoY
-13.6% QoQ
|
-0.19% |
0.50%
+20.3% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
54% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.57%
-1.4% YoY
+33.2% QoQ
|
-0.17% |
0.74%
-1.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Capital Thin
risk
#190 of 432 · Bottom 44% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank declining
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B
90
90th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
90
90th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.47% · Tier avg: 21.05%
57
57th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
52
52th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.63%
51
51th pctile
Loan-to-Deposit Ratio
Current: 85.28% · Tier avg: 83.06%
44
44th pctile
Efficiency Ratio
Current: 64.21% · Tier avg: 62.63%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
31
31th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.66%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
Top Weaknesses
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Net Interest Margin
Current: 3.31% · Tier avg: 3.66%
34
34th pctile
Return on Assets
Current: 0.94% · Tier avg: 1.16%
44
44th pctile
Efficiency Ratio
Current: 64.21% · Tier avg: 62.63%
51
51th pctile
Loan-to-Deposit Ratio
Current: 85.28% · Tier avg: 83.06%
52
52th pctile
Delinquency Rate
Current: 0.43% · Tier avg: 0.63%
54
54th pctile
Nonperforming Asset Ratio
Current: 0.31% · Tier avg: 0.50%
57
57th pctile
Non-Interest Income / Assets
Current: 0.57% · Tier avg: 0.74%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 31.47% · Tier avg: 21.05%
90
90th pctile
Total Loans
Current: $2.1B · Tier avg: $975.5M
90
90th pctile
Total Deposits
Current: $2.4B · Tier avg: $1.2B
90
90th pctile
Total Assets
Current: $2.9B · Tier avg: $1.4B