Compared with Oklahoma
8 of 15
compared fees are above the median.
3 below, 4 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
FFIEC call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge income
Q2 2026, one quarter
FFIEC call report · Jun 30, 2026
Service-charge share of revenue
95th percentile; peer median 2.2%
FDIC call report data · Jun 30, 2026
Fees above the Oklahoma median
of 15 compared; 3 below, 4 about the same
See the feesFee schedule read Oct 31, 2026
Call-report figures are for First Fidelity Bank at the bank level, not its holding company. Revenue is net interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | FFIEC call report (bulk data) RCON2170 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Revenue | Revenue (net interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4074 + RIAD4079 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge income | Service charges on deposit accounts Standalone quarter: year to date less the prior quarter (Q1 as filed) | FFIEC call report (bulk data) RIAD4080 | Q2 2026 Quarter ended Jun 30, 2026 | Nov 1, 2026 |
| Service-charge share of revenue | Service charges on deposit accounts divided by revenue (net interest + noninterest income) One quarter, as reported. Median and percentile from each of 869 banks with $1B to $10B in assets reporting a share above 0%, this one left out. | FDIC BankFind Suite (call report data) ISERCHGQ / (NIMQ + NONIIQ) | Q2 2026 Quarter ended Jun 30, 2026 | Not recorded |
| Fees above the Oklahoma median | Published fees above the Oklahoma median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | First Fidelity Bank's published fee schedule; Bank Fee Index medians | Current schedule | Oct 31, 2026 |
Service-charge income by quarter
Q1 2024 to Q2 2026, standalone quarters
Service charges were 6.8% of revenue, above the 2.2% median of 869 banks with $1B to $10B in assets (95th percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Service-charge income was $2.1M in Q2 2026, 16% above the same quarter a year earlier ($1.8M).
Not established: Two quarters a year apart are two observations, not an established trend in service-charge income.
8 of 15 compared published fees sit above the Oklahoma median; 3 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Oklahoma medians for fees published by banks and credit unions.
Monthly Maintenance
Freedom Checking $5 · Maximizer Checking $12
Compared at $8.50, the middle of its prices
Overdraft (OD)
Non-Network ATM
Each amount links to the fee schedule it was read from. Medians for Oklahoma, the Kansas City district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Service-charge income rose 7.3% from Q3 2025 to Q2 2026, to $2.1M. Its share of revenue, 6.8%, is above the 2.2% median for banks with $1B to $10B in assets.
$2.1M
First Fidelity BankMedian
FFIEC call reports, bank level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 869 banks with $1B to $10B in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue. *Monthly maintenance: Listed at $5 to $12; we compare the midpoint.
First Fidelity Bank · $3B in assets
The 25 banks closest in assets
Banks of similar size, for comparing published prices. Not local competitors: they're spread over 19 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| First Fidelity Bank(this institution) | Oklahoma City, OK | $3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| ANB Bank | Denver, CO | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Bank Independent | Sheffield, AL | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| BayCoast Bank | Swansea, MA | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| BCB Community Bank | Bayonne, NJ | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| CB&S Bank, Inc. | Russellville, AL | $3.1B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cedar Rapids Bank and Trust Company | Cedar Rapids, IA | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Centreville Bank | West Warwick, RI | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Emprise Bank | Wichita, KS | $2.8B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Farmers Bank & Trust Company | Magnolia, AR | $3.2B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| First Federal Savings and Loan Association of Lakewood | Lakewood, OH | $2.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Industrial and Commercial Bank of China USA, National Association | New York, NY | $2.9B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Lawrence Bank | Nashville, TN | $3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Maine Community Bank | Portland, ME | $3B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Mascoma Bank | Lebanon, NH | $3B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Merchants Bank, National Association | Winona, MN | $2.9B | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| Midwest BankCentre | Lemay, MO | $3.1B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Minnwest Bank | Redwood Falls, MN | $2.9B | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| National Exchange Bank and Trust | Fond du Lac, WI | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| NEXTIER BANK, NATIONAL ASSOCIATION | Kittanning, PA | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Northwest Bank | Spencer, IA | $3B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Penn Community Bank | Doylestown, PA | $3.1B | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Susser Bank | Dallas, TX | $3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Publishes Overdraft |
| U. S. Century Bank | Doral, FL | $3B | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | Publishes International wire | Overdraft not published |
| UniBank for Savings | Whitinsville, MA | $3.1B | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Wayne Bank | Honesdale, PA | $2.9B | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
✓ publishes the fee. – not published.
25 peers selected · 13 publish this fee(monthly maintenance)
12 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Compared at $8.50, the middle of its two prices, against a peer median of $9.97 among 13 publishing peers.
Its two checking prices are $5 and $12.
$8.50 is a comparison price, not a fee anyone is charged.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026.
Monthly maintenance fee in dollars, one mark per institution
Against this institution's monthly maintenance fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 2, 2026. Total assets from FDIC and NCUA records.
Call reports for First Fidelity Bank (bank level, not the holding company). Income lines are standalone quarters.
Service-charge income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $2.1M | +$168K | +8.7% |
| Q1 2026 | $1.9M | −$52K | −2.6% |
| Q4 2025 | $2.0M | +$27K | +1.4% |
| Q3 2025 | $2.0M | +$145K | +8.0% |
| Q2 2025 | $1.8M | +$25K | +1.4% |
| Q1 2025 | $1.8M | +$111K | +6.6% |
| Q4 2024 | $1.7M | −$15K | −0.9% |
| Q3 2024 | $1.7M | +$156K | +10.1% |
Financial cohort: 894 banks with $1B to $10B in assets filing for Q2 2026; 869 reported a share above 0% and are counted, First Fidelity Bank left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to First Fidelity Bank by share.
Amounts from First Fidelity Bank’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per month
per month
per month
per quarter
per month
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Freedom Checking Monthly Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Maximizer Checking Monthly fee | $12Above the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Checking Account (per month-excluding Freedom Checking) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Savings Account (per quarter) | $10Not compared: Quarterly charge, not monthly | per quarter | None |
| Paper Statement | $3Inside the U.S. middle 50% ($2 to $4.99 nationally) | per month | None |
Overdraft & NSF | |||
| Overdraft Fee | $25Inside the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| 7 Day Overdraft Processing Fee (one-time per occurrence) | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
ATM & Card | |||
| Non-FFB ATM | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card Replacement (Card Reorder) - | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Expedited Replacement | $5Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Incoming Wire Notification or Special Handling | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Stop Payment - | $33Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (10 per request) | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
Cash & Deposit | |||
| Return Check/Chargeback: Consumer | No chargeBelow the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
| Return Check/Chargeback: Consumer (audience not stated, treated as personal) | No chargeBelow the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
| Return Check/Chargeback: Consumer - FREEBusiness | $7Below the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
| Return Check/Chargeback: Incoming (audience not stated, treated as personal) | $20Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
| Return Check/Chargeback: Incoming (audience not stated, treated as personal) | $12Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
| Return Check/Chargeback: Outgoing (audience not stated, treated as personal) | $25Inside the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
| Return Check/Chargeback: Statement Printout (without images) | $3Below the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Garnishment/Levy (per instance) - | $70Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Retirement & IRA | |||
| IRA Closing | $35Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
| IRA Transfer | $35Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement Printout (without images) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
vs. the U.S. middle 50%:BelowInsideAbove
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Dormant Checking Account (per month-excluding Freedom Checking) | $10Inside the U.S. middle 50% ($5 to $10 nationally) | per month | None |
| Dormant Savings Account (per quarter) | $10Not compared: Quarterly charge, not monthly | per quarter | None |
Overdraft & NSF | |||
| 7 Day Overdraft Processing Fee (one-time per occurrence) | $25Above the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
ATM & Card | |||
| Non-FFB ATM | $1Inside the U.S. middle 50% ($1 to $2 nationally) | Not stated | None |
| Debit Card Replacement (Card Reorder) - | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Debit Card Expedited Replacement | $5Below the U.S. middle 50% ($30 to $50 nationally) | Not stated | None |
Wire Transfers | |||
| Incoming Wire Notification or Special Handling | $10Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| Stop Payment - | $33Above the U.S. middle 50% ($20 to $30 nationally) | Not stated | None |
| Temporary Checks (10 per request) | $3Inside the U.S. middle 50% ($1 to $4 nationally) | per item | None |
Cash & Deposit | |||
| Return Check/Chargeback: Business | $7 | Not stated | None |
| Return Check/Chargeback: Outgoing Business | $45 | Not stated | None |
| Return Check/Chargeback: Statement Printout (without images) | $3Below the U.S. middle 50% ($8.88 to $25 nationally) | Not stated | None |
Account Services | |||
| Garnishment/Levy (per instance) - | $70Inside the U.S. middle 50% ($30 to $85 nationally) | per item | None |
Retirement & IRA | |||
| IRA Closing | $35Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
| IRA Transfer | $35Inside the U.S. middle 50% ($25 to $35 nationally) | Not stated | None |
Other Fees | |||
| Statement Printout (without images) | $3Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
Oct 31, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where First Fidelity Bank operates, and what regulators and customers have on file.
Branch footprint
27 offices in 3 states, $2.5B in branch deposits (June 2026)
Each dot is one office.
Largest markets by deposits
| 19 | $1.7B | |
| 6 | $695.1M | |
| 1 | $36.0M | |
| 1 | $15.0M |
Oklahoma City, OK
2.9% of bank deposits, #6 of 71, up 0.2 points over five years.
| Largest competitors here | Deposit share |
|---|---|
| MidFirst Bank | 23.5% |
| BOKF, National Association | 12.3% |
| JPMorgan Chase Bank, National Association | 9.4% |
| BancFirst | 8.3% |
| Bank of America, National Association | 8.3% |
Branch count by year
Source: FDIC Summary of Deposits, 2010 to 2026. Deposits are booked at the branch as of June 30.
In Oklahoma City, OK, First Fidelity Bank holds 2.9% of bank deposits, #6 of 71, with 19 offices.
504 offices of 95 institutions shown.
Source: FDIC Summary of Deposits, as of June 30, 2026 (bank offices); NCUA branch file, quarter ending June 30, 2026 (credit union offices).
Share of bank deposits
As of June 30, 2026. FDIC-insured offices only; credit unions are not included.
8 of 71 institutions shown. $60.8B in bank deposits in the metro.
Source: FDIC Summary of Deposits, as of June 30, 2026.
Position over time, 2010 to 2026
June 2026: 2.9% share, 19 offices, #6 of 71
Deposit share
Offices
Rank (1 is largest)
Source: FDIC Summary of Deposits, as of June 30 of each year, 2010 to 2026.
Credit unions, reported separately
124 offices of 24 credit unions in the metro's cities. NCUA does not report deposits by office, so credit unions have no share above.
Source: NCUA branch file, quarter ending June 30, 2026.
Enforcement actions
None on file with the Federal Reserve
The Federal Reserve has no public enforcement action against this bank or its holding company on file.
Source: public enforcement action lists from the Federal Reserve, read November 1, 2026. The agencies don't always record when an order ends, so one with no end date may have ended. FDIC orders are not included yet. Actions against individual bank officers are left out.
Fee change alerts
We check once a day and send one email covering every change.