First Fidelity Bank (FDIC #23473): Bank Stress & Real-Estate Credit Exposure

First Fidelity Bank (FDIC Cert #23473): bank stress 73/100, elevated, STABLE over 7 days; parent FIRST FIDELITY BCORP INC.

First Fidelity Bank (#23473) lends in 6 counties across 3 states; First Fidelity Bank (#23473) reaches 296 ZIP codes: Oklahoma 4 counties, 123 ZIPs; Arizona 1 county, 140 ZIPs; Colorado 1 county, 33 ZIPs.

First Fidelity Bank (#23473) largest markets: Maricopa County, AZ (840 branches, 140 ZIPs) (#23473), Oklahoma County, OK (660 branches, 55 ZIPs) (#23473), Tulsa County, OK (43 branches, 43 ZIPs) (#23473), Arapahoe County, CO (33 branches, 33 ZIPs) (#23473), Cleveland County, OK (138 branches, 23 ZIPs) (#23473), Canadian County, OK (14 branches, 14 ZIPs) (#23473).

First Fidelity Bank (#23473) reports $2.98 billion in total assets; First Fidelity Bank (#23473) equity $248.8 million (8.4% of First Fidelity Bank (#23473) assets); First Fidelity Bank (#23473) domestic deposits $2.49 billion; First Fidelity Bank (#23473) net income $16.9 million; First Fidelity Bank (#23473) return on assets 1.15%; First Fidelity Bank (#23473) return on equity 13.65%; First Fidelity Bank (#23473) net interest income $50.3 million; First Fidelity Bank (#23473) call report June 30, 2026.

First Fidelity Bank (#23473) noncurrent real-estate loans: none reported; First Fidelity Bank (#23473) residential -0.01%; First Fidelity Bank (#23473) net charge-offs on real estate 0.52%; First Fidelity Bank (#23473) residential charge-offs 0.33%.

First Fidelity Bank (#23473) net interest margin 3.69% against an eight-quarter First Fidelity Bank (#23473) average of 3.23% (First Fidelity Bank (#23473) compression -0.45 points); First Fidelity Bank (#23473) non-residential real estate 33.0% of equity; First Fidelity Bank (#23473) rate-exposure score 40/100, First Fidelity Bank (#23473) fixed-rate trap 40/100; First Fidelity Bank (#23473) risk type credit driven; First Fidelity Bank (#23473) rate regime rates elevated, First Fidelity Bank (#23473) snapshot October 19, 2026.

First Fidelity Bank (#23473) stress score moved from 75.5 on June 22, 2026 to 73.4 on October 20, 2026; First Fidelity Bank (#23473) ranged 73.4 to 75.5 over 117 snapshots.

First Fidelity Bank (#23473) alerts: 5 counties; top First Fidelity Bank (#23473) alert scores: Tulsa County, OK 40 (moderate); Englewood County, OK 24 (low); Mustang County, OK 24 (low); Oklahoma City County, OK 24 (low); Scottsdale County, OK 24 (low).