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Bank, Oklahoma City, OK

First Fidelity Bank, Oklahoma City, OK

A bank based in Oklahoma City, OK. Its commercial book is led by non-owner-occupied CRE and owner-occupied CRE. Public files show recent multifamily, 1-4 unit investor, SBA 7(a) and SBA 504 loans it made.

Kind
Bank
Data as of
June 30, 2026
Page last changed
November 12, 2026
Commercial book
$1.62B
FDIC call report,
Holds, not loans made
Multifamily loans made, 2025
6
HMDA,
HMDA, 5 or more units
SBA loans, 36 months
121
SBA FOIA,
7(a) and 504, net of cancelled
Total assets
$2.98B
FDIC call report,
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How to reach them

Each line shows where it came from

Phone
The FDIC record has no phone number. Try the lender's website.
Website
ffb.comFrom the FDIC record, November 9, 2026.
Commercial lending page
ffb.comFrom the lender's website, retrieved November 11, 2026.
Names it files under
First Fidelity BanCorp, Inc.FDIC institution record,
Address
5100 N Classen Blvd, Oklahoma City, OK 73118FDIC institution record,
Regulator record
FDIC BankFind

Recently done

Recorded lending

Recorded lending. Two or more public files show loans this lender made.

What changed. First Fidelity Bank's Multifamily balance rose 12.8% to $83.3M in the quarter ended June 30, 2026. FDIC call reports,

What the public record shows, newest first
WhenWhat the record showsSource
Last 24 months Office changes in the last 24 months: 3 opened, 3 closed, 1 relocated.FDIC structure history. FDIC history
Oct 2023 to Sep 2026 SBA 7(a) approvals by processing method: 5 SBA Express.SBA ProcessingMethod field, net of cancellations. SBA FOIA,
Jun 2025 to Jun 2026 Non-owner-occupied CRE balance rose 5.7% to $707.5M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Owner-occupied CRE balance rose 19.7% to $472.3M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Commercial and industrial balance rose 3.6% to $198.8M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. FDIC call report
Jun 2025 to Jun 2026 Unused commitments on commercial real estate rose 1.9% to $151M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. FDIC call report
2024 Reported making 579 small business loans totaling $151.9M in 2024.FFIEC CRA disclosure data. A small business loan here is a commercial and industrial loan or a loan secured by nonfarm nonresidential property of $1 million or less when made. FFIEC CRA disclosure data

Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.

First Fidelity BankNewest first
PeriodPlaceLoanAmountRateTermLTVSource
Jun 2026ArizonaSBA 504, Wholesale Trade$630K25 yrSBA FOIA
May 2026OklahomaSBA 504, Wholesale Trade$510K25 yrSBA FOIA
Apr 2026OklahomaSBA 7(a), Clothing and Clothing Accessories Retailers$160K7.75%8 yrSBA FOIA
Mar 2026OklahomaSBA 7(a), Other Services to Buildings and Dwellings$200K7.25%1 yrSBA FOIA
Mar 2026OklahomaSBA 7(a), Wholesale Trade$25K7.75%3 yrSBA FOIA
Feb 2026ArizonaSBA 504, Used Car Dealers$960K25 yrSBA FOIA
Feb 2026ArizonaSBA 504, Accommodation and Food Services$800K25 yrSBA FOIA
Jan 2026ArizonaSBA 504, General Automotive Repair$510K25 yrSBA FOIA
2025Kay County, OKPurchase, 150 or more units$3.2MHMDA 2025
2025Pima County, AZRefinance, 25 to 49 units$2.4MHMDA 2025
2025Pima County, AZRefinance, 5 to 24 units$1.6MHMDA 2025
2025Pima County, AZRefinance, 5 to 24 units$500KHMDA 2025
Dec 2025ArizonaSBA 504, Other Services (except Public Administration)$370K25 yrSBA FOIA
2025Cleveland County, OKRefinance, 5 to 24 units$200KHMDA 2025
2025Cleveland County, OKRefinance, 5 to 24 units$200KHMDA 2025
Dec 2025ArizonaSBA 504, Other Building Finishing Contractors$200K25 yrSBA FOIA
Nov 2025ArizonaSBA 504, Professional, Scientific, and Technical Services$1.9M25 yrSBA FOIA
Nov 2025ArizonaSBA 504, Landscaping Services$190K25 yrSBA FOIA
Sep 2025ArizonaSBA 504, Finance and Insurance$1.1M25 yrSBA FOIA
Sep 2025ArizonaSBA 504, Other Building Finishing Contractors$470K25 yrSBA FOIA
Sep 2025ArizonaSBA 504, Offices of Physicians, Mental Health Specialists$450K25 yrSBA FOIA
Aug 2025ArizonaSBA 504, Offices of Lawyers$1.2M25 yrSBA FOIA
Aug 2025ArizonaSBA 504, Full-Service Restaurants$1.1M25 yrSBA FOIA
Jul 2025ArizonaSBA 504, Hotels (except Casino Hotels) and Motels$3.9M25 yrSBA FOIA
Jul 2025ArizonaSBA 504, Limited-Service Restaurants$1.4M25 yrSBA FOIA
110 SBA 504 first liens since October 2023, net of cancelled$118MSBA FOIA

A blank means the source did not report it.

What it holds

FDIC call report, June 30, 2026

Commercial book on the latest filing
BookHoldsOf its loansYear over year
Multifamily$83.3M3.9%+13.8%
Construction and land development$152M7.1%+11.7%
Owner-occupied CRE$472M22.1%+19.7%
Non-owner-occupied CRE$707M33.1%+5.7%
Farmland$1.56M0.1%-7.9%
Commercial and industrial$199M9.3%+3.6%
Commercial total$1.62B
FDIC call report,

Reference only: $267M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.

Table
Commercial book by quarter
QuarterCommercial book
Q3 2023$1.31B
Q4 2023$1.34B
Q1 2024$1.35B
Q2 2024$1.37B
Q3 2024$1.41B
Q4 2024$1.45B
Q1 2025$1.47B
Q2 2025$1.47B
Q3 2025$1.52B
Q4 2025$1.58B
Q1 2026$1.58B
Q2 2026$1.62B
FDIC call reports,
Loans on record, by kind
Kind of loanPeriodLoans madeDollarsTypical sizeLargestSource
Multifamily, 5 or more units20256$8.08M$1.05M$3.2MHMDA,
Multifamily, 5 or more units20245$10.2M$485KHMDA,
1-4 unit investor or business purpose202531$13.8M$205KHMDA,
SBA 7(a), net of cancelled36 months to Sep 202611$2.80M$173K$880KSBA FOIA,
SBA 7(a), net of cancelled12 months to Sep 20263$380KSBA FOIA,
SBA 504 first lien, net of cancelled36 months to Sep 2026110$118M$803K$8.8MSBA FOIA,

How these public files were tied to this lender. HMDA: its legal entity identifier (LEI). SBA 7(a) loans: its FDIC certificate number. SBA 504 first liens: name and lender office city.

SBA loans by industry, 36 months
IndustryLoansDollars
Construction7$4.04M
Professional, Scientific, and Technical Services5$6.52M
Landscaping Services5$1.98M
SBA FOIA,

Other lenders in these fields: SBA lenders for construction trades, SBA lenders for professional services firms, SBA lenders for landscaping companies.

Programs on record: Federal Home Loan Bank member, Topeka district (FHFA).

Small business loans reported under CRA

FFIEC CRA, 2024

  • First Fidelity Bank reported making 579 small business loans totaling $151,875,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
  • By size when made: 239 of $100,000 or less, 130 over $100,000 up to $250,000, 210 over $250,000 up to $1 million.
  • 149 of them, totaling $40,996,000, went to businesses with revenue of $1 million or less.
  • First Fidelity Bank reported making 3 small farm loans totaling $560,000 in 2024, in its Community Reinvestment Act filing (FFIEC, calendar 2024).
  • By size when made: 2 of $100,000 or less, 0 over $100,000 up to $250,000, 1 over $250,000 up to $500,000.
  • 1 of them, totaling $50,000, went to farms with revenue of $1 million or less.
Counties with 5 or more small business loans in 2024. Other counties, each under 5 loans: 49 loans, $19,990,000.
CountyLoansTotal
Maricopa County, AZ246$86.8M
Oklahoma County, OK155$21.9M
Cleveland County, OK41$5.89M
Adams County, CO24$4.88M
Tulsa County, OK18$3.86M
Denver County, CO14$2.19M
Canadian County, OK13$1.31M
Coconino County, AZ7$2.01M
McClain County, OK7$2.12M
Pima County, AZ5$939K
FFIEC CRA disclosure data,

In this filing a small business loan is a commercial and industrial loan, or a loan secured by nonfarm nonresidential property, of $1 million or less when it was made. Multifamily loans are not included.

Only banks with about $1.6 billion or more in assets must file this data. The cutoff is set each year; it was $1.564 billion for 2024. A bank that is not listed here can still make small business loans.

How this filing was tied to this bank: RSSD (respondent ID) + transmittal RSSD.

Undrawn commitments

FFIEC Call Report, June 30, 2026

  • First Fidelity Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $51,050,000 for 1-4 family residential construction and $99,094,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
  • Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $98,912,000. These are credit lines not yet used.

FFIEC Call Report,

Small loans it holds, by original size

FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026

Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.

Commercial and industrial loans, by original amount
Original amountLoansHolds
$100,000 or less269$4.60M
Over $100,000 up to $250,000129$9.40M
Over $250,000 up to $1 million119$32.2M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Loans secured by nonfarm nonresidential property, by original amount
Original amountLoansHolds
$100,000 or less27$1.16M
Over $100,000 up to $250,00092$10.3M
Over $250,000 up to $1 million427$186M
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,
Agricultural production loans, by original amount
Original amountLoansHolds
$100,000 or less7$9.00K
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30,

Where it lends

Offices beside loans on record

Offices and recorded loans by state
StateOfficesMultifamily 20251-4 investor 2025SBA 7(a) 36 mo.SBA 504 36 mo.
Arizona631098
Oklahoma HQ21326113
Colorado10204
California00003
Florida00200
Texas00002
FDIC office list, HMDA, SBA FOIA,

Offices by county

FDIC Summary of Deposits, June 30, 2026

  • First Fidelity Bank has 27 offices in 6 counties and 3 states (FDIC Summary of Deposits, June 30, 2026): 27 full service and 0 limited service.
Counties with the most offices
CountyFull-service officesLimited-service offices
Oklahoma County, OK120
Maricopa County, AZ60
Cleveland County, OK60
Arapahoe County, CO10
Canadian County, OK10
Tulsa County, OK10
FDIC Summary of Deposits,

Loan production offices are not in this file. A bank with no office here can still lend here.

Capacity. Not a rating

Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.

Lending capacity measures, with peers
MeasureThis lenderIts peersHow it is worked outSource
Estimated largest single loan$49.8M$19.2M to $67.5M across 8 peersEstimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated.FDIC call report, 12 CFR 32.3, Jun 30, 2026
CRE to capital284.2%87.3% to 435.4% across 8 peers(Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance.FDIC call report,
Construction to capital45.9%11.2% to 123.8% across 8 peersConstruction loans divided by tier 1 capital plus allowance.FDIC call report,
Loans to deposits86.0%43.4% to 124.3% across 8 peersTotal loans divided by total deposits.FDIC call report,
Unused CRE commitments$151M$31.0M to $180M across 8 peersCommitments to lend on commercial real estate that are not yet drawn, up 1.9% from a year earlier.FDIC call report,
Loans to assets71.8%33.9% to 92.5% across 8 peersTotal loans divided by total assets.FDIC call report,

Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.

Loan channel and SBA processing

Public record only

SBA Express
5 loans

SBA FOIA, SBA 7(a) loans, 36 months.

Peers

Same kind of lender, similar size and book

Peers
LenderStateTotal assetsCommercial book
Armstrong BankOK$2.84B$1.13B
RCB BankOK$3.98B$910M
Mabrey BankOK$2.02B$1.12B
American Heritage BankOK$1.48B$252M
Regent BankOK$2.24B$1.46B
Gateway First BankOK$2.06B$818M
First Oklahoma BankOK$1.34B$957M
Stride Bank, National AssociationOK$5.42B$1.37B
FDIC call report,

Compare these lenders side by side

What we don't know

  • Whether it is taking new loans today, or on what terms.
  • How much of its book it made recently. Call reports carry balances, not loans made.
  • Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
  • How its 1-4 family loans divide between owner-occupied and investor.
  • Whether it takes brokers. No figure here means no evidence, not a refusal.

Check this page

Against the regulator's own record

  1. Name and charter. First Fidelity Bank, FDIC certificate 23473. Compare it with the regulator's record. [FDIC BankFind]
  2. Balances. $2.98B in total assets and $1.62B in commercial loans held, from the call report for June 30, 2026. [Source]
  3. Loans made. 163 recorded loans from HMDA and SBA files, through September 30, 2026: 6 HMDA multifamily 2025, 5 HMDA multifamily 2024, 31 HMDA 1-4 unit investor 2025, 11 SBA 7(a) in 36 months, 110 SBA 504 first liens in 36 months. Each has its source and date. [How each file was tied to First Fidelity Bank]
  4. Phone and website. No phone number is on record. Website ffb.com, from the FDIC record. [How to reach them]
  5. Small business loans reported under CRA. 579 small business loans reported in its CRA filing for 2024. [Source]

Something wrong? Report it with evidence. It is free, and it works the same for every lender whether it pays or not. Report an error

For the record

Data as of June 30, 2026. Page last changed November 12, 2026.

Regulator
Federal Reserve
FDIC certificate
23473
RSSD
106359
LEI
549300ZL6THC5R7VUP98
The Lender Report ID
lr_000612
FDIC classifies this bank as
Commercial Lending Specialization
Ownership
Stock
Head office metro area
Oklahoma City, OK

FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.

  • Reported $3B in total assets as of June 30, 2026 (FDIC call report).
  • Held $1.6B of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
  • Held $707.5M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 5.7% from a year earlier (FDIC call report).
  • Held $472.3M of owner-occupied commercial real estate loans as of June 30, 2026, up 19.7% from a year earlier (FDIC call report).
  • Held $198.8M of commercial and industrial loans as of June 30, 2026, up 3.6% from a year earlier (FDIC call report).
  • Originated 6 multifamily loans totaling $8.1M in 2025 (HMDA).
10 more sentences
  • Originated 5 multifamily loans totaling $10.2M in 2024 (HMDA).
  • Originated 31 1-4 unit investor or business-purpose loans totaling $13.8M in 2025 (HMDA).
  • Recorded 11 SBA 7(a) approvals totaling $2.8M from October 1, 2023 to September 30, 2026 (SBA).
  • Provided the first lien on 112 SBA 504 projects with $118.3M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 2 were later cancelled (SBA).
  • Listed 28 offices in 3 states (FDIC).
  • Reported making 579 small business loans totaling $151.9M in 2024, in its Community Reinvestment Act filing (FFIEC).
  • Reported making 3 small farm loans totaling $560K in 2024, in its Community Reinvestment Act filing (FFIEC).
  • Held 517 commercial and industrial loans that were $1 million or less when made, with a balance of $46.2M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
  • Held 546 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $198M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
  • Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $51M for 1-4 family and $99.1M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.

Cite this

Source: The Lender Report, First Fidelity Bank, https://lender.report/lender/first-fidelity-bank-ok/, data as of June 30, 2026.

Sources

Figures come from public records and show the source and date beside them. Public records can be late, incomplete or wrong. A past loan does not mean a lender will make the same kind of loan today. Confirm anything important with the lender.

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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem