BlastPoint's Banking Scorecard
First Fidelity Bank
Oklahoma City, OK
27 branches across OK · AZ · CO
First Fidelity Bank has 1 strength but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.46% below tier average
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 9.5% in tier
- - Flatlined Growth: Bottom 38.7% in tier
- - ROA 0.43% below tier average
- - Net Interest Margin 0.26% below tier average
- - Efficiency Ratio 4.75% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.9B
+1.1% YoY
+0.2% QoQ
|
+$118.1M |
$2.8B
-0.1% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
69% |
| Total Loans ? |
$2.1B
+5.2% YoY
-0.2% QoQ
|
+$105.4M |
$2.0B
+0.6% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
69% |
| Total Deposits ? |
$2.5B
-0.6% YoY
+2.3% QoQ
|
+$145.4M |
$2.3B
-0.3% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
70% |
| Return on Assets ? |
0.94%
+28.9% YoY
-0.5% QoQ
|
-0.43% |
1.37%
+19.6% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
28% |
| Net Interest Margin ? |
3.56%
+14.3% YoY
+7.6% QoQ
|
-0.26% |
3.82%
+6.9% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
44% |
| Efficiency Ratio ? |
65.81%
-6.3% YoY
+2.5% QoQ
|
+4.75% |
61.06%
-4.6% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
32% |
| Delinquency Rate ? |
0.43%
-22.1% YoY
-0.6% QoQ
|
-0.46% |
0.89%
+14.1% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
59% |
| Loan-to-Deposit Ratio ? |
83.18%
+5.9% YoY
-2.5% QoQ
|
-1.02% |
84.20%
+0.3% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
30.41%
-2.6% YoY
-3.4% QoQ
|
+9.13% |
21.29%
-2.5% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
85% |
| Nonperforming Asset Ratio ? |
0.31%
-18.9% YoY
-0.9% QoQ
|
-0.37% |
0.67%
+15.6% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
62% |
| Tier 1 Capital Ratio ? |
10.32%
+5.0% YoY
+1.4% QoQ
|
-4.84% |
15.16%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 7.1% in tier |
| Non-Interest Income / Assets ? |
0.14%
+1.6% YoY
-75.9% QoQ
|
-0.12% |
0.26%
+1.6% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
48% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (2)
Capital Thin
riskTier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.