First Fidelity Bank

What First Fidelity Bank does

First Fidelity Bank, N.A. is a regional community bank founded in 1920 and headquartered in Oklahoma City, Oklahoma. The bank operates approximately 26 full-service branch locations across Oklahoma, Arizona, and Colorado, serving personal, small business, commercial, and wealth management customers. Its core product set spans checking and savings accounts (Traditional, Global, Maximizer, Varsity, and Freedom Checking), lending products including in-house conventional mortgages, interest-only HELOCs, personal and auto loans, credit cards, commercial loans, and Credit Builder Loans, plus a specialized cannabis banking service for Oklahoma operators navigating Section 280E compliance.

The bank's digital infrastructure centers on the GoBankFFB consumer mobile app (iOS/Android) and GoBiz business banking platform, augmented by FFB Wallet for card controls, Money360 for personal financial management, and Early Payday for direct deposit acceleration. In February 2026, First Fidelity upgraded its digital banking platform through a partnership with UK-based fintech Bud Financial, deploying Bud's Enrich and Engage solutions to power transaction data enrichment, weekly spending summaries, financial calendars, and spending budgets. Other integrations include Zelle for P2P payments, Apple Pay and Google Pay for digital wallets, Autobooks for small business accounting, and Unifimoney for embedded investing.

First Fidelity generates revenue primarily through net interest income (the spread between loan yields and deposit costs) supplemented by non-interest income from transaction fees (overdraft, ATM, wire, credit card), interchange, and a uChoose Rewards loyalty program across debit and credit cards. The bank's go-to-market is a hybrid sales-led and branch-based relationship banking motion supported by digital self-service tools. The bank is FDIC-insured, certified as COPPA-compliant, and was acquired in March 2026 by FirstBanc of Alabama via a $20.5 million purchase of parent holding company FBDC Financial Corporation, expanding the acquirer's footprint to 18 branches and approximately $1.3 billion in assets.

Name

First Fidelity Bank

Legal name

First Fidelity Bank, N.A.

Website

https://ffb.com

Company type

Private

Founded year

1920

Operating status

Operating

Headcount range

101–250 employees

Short description

First Fidelity Bank is a regional community bank founded in 1920 and headquartered in Oklahoma City, operating 26 branches across Oklahoma, Arizona, and Colorado, serving consumer, small business, commercial, and cannabis industry customers with deposits, lending, and digital banking services.

Ownership category

akta.pro rank

Product category

Community Banking

NAICS

Depository Credit Intermediation (5221), Commercial Banking (52211)

SIC

National Commercial Banks (6021)

akta.pro primary industry

Mass-Market Consumer Deposit Banking (Checking/Savings) (FSABAAAA)

akta.pro secondary industries

Digital Retail Banking (Online & Mobile) (FSABAAAF), SME Deposits & Business Accounts (Operating, Savings, CDs) (FSABABAC)

Keywords

• Community banking services
• Commercial lending products
• Consumer deposit accounts
• Mortgage and home equity loans
• Digital banking platforms

Headquarters

HQ city

Oklahoma City

HQ country

United States

HQ region

North America

Offices4 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Net Interest Income: First Fidelity Bank generates revenue primarily through the spread between interest earned on loans (personal, auto, home, commercial, small business) and interest paid on deposits (checking, savings, CDs, money market accounts). The bank offers various loan products including mortgages, HELOCs, personal loans, credit cards, and commercial loans.
2. Non-Interest Income: Revenue from banking fees including overdraft fees, ATM fees, wire transfer fees, credit card fees, and rewards program costs. Also includes fee income from digital banking services, mobile deposit, and other banking service charges.
3. Credit Card Rewards Program: The uChoose Rewards program allows credit card holders to earn points on purchases (1 point per $1 on signature transactions) that can be redeemed for merchandise, travel, gift cards, and other rewards.
4. Debit Card Rewards: uChoose Rewards debit card program where customers earn points on purchases (1 point per $3 on signature transactions, 1 point per $6 on PIN-based transactions) redeemable for rewards.

Pricing tiers

Go-to-market motion1 record

Distribution channels6 records

Marketing channels6 records

Core offering

First Fidelity Bank is a regional community bank that provides a full suite of personal, small business, commercial, and wealth management banking products and services through approximately 26 branches and digital channels across Oklahoma, Arizona, and Colorado. Core offerings include checking and savings accounts, money market accounts, CDs, IRAs, HSAs, personal loans, auto loans, home loans, HELOCs, credit cards, small business loans, commercial loans, treasury services, specialized cannabis banking, and wealth management. Digital delivery is anchored by the GoBankFFB mobile app, online banking, the GoBiz business platform, and Bud Financial-powered Personal Financial Management tools.

Product overview

First Fidelity Bank operates as a regional community bank offering a comprehensive suite of banking products across personal, small business, commercial, and wealth management segments. The bank's core digital banking ecosystem centers on the GoBankFFB mobile app and GoBiz business banking platform, supplemented by Personal Financial Management tools including Money360 and Bud Financial-powered insights. Key product modules include FFB Wallet (card controls), Early Payday (direct deposit early access), Unifimoney (digital investing), and uChoose Rewards (loyalty program). Lending offerings span consumer credit (checking accounts with various fee structures, savings, CDs, IRAs, HSAs), home financing (In-House Mortgages, HELOCs, home equity loans), credit building (Credit Builder Loan), auto loans, and business lending. Specialized services include Cannabis Banking for Oklahoma operators. The bank serves customers across Oklahoma, Arizona, and Colorado through approximately 26 offices.

Differentiator

Problem solved

Functional benefit

Brands

• First Fidelity Financial Group (FFFG): Wealth management and financial planning division of First Fidelity Bank, offering investment services and personal insurance products.

Products and services

• GoBankFFB Mobile App Mobile banking application enabling personal and small business customers to manage accounts, view transactions, transfer money, pay bills, deposit checks, and set up alerts from iOS or Android devices 24/7.
• GoBiz Business Banking Platform Business online banking platform providing treasury management capabilities including ACH origination, wire transfers, user access controls, custom reports, and integrated fraud protection for small and medium businesses.
• FFB Wallet Card management application providing control over debit and credit cards, deeper spending insights, and security features to help customers manage their finances.
• Money360 Personal Financial Management Personal financial management tool enabling customers to visualize spending, set up customized budgets, track debt, and view all their financial accounts (including those outside FFB) in one consolidated dashboard.
• Early Payday Direct deposit early access feature allowing customers to receive their paycheck up to two business days early with no fees.
• FFB Direct Connect Service enabling quick and secure setup of direct deposit to transfer funds to FFB accounts from phone or PC.
• Unifimoney Investment Platform Investment platform integrated within the First Fidelity Bank App enabling customers to invest in digital assets, equities, and other financial instruments.
• Cannabis Banking Specialized banking services for legal cannabis operators, providing compliance framework support and financial services under evolving federal cannabis regulations.
• Personal Checking Accounts Multiple checking account options including Freedom Checking, Freestyle Checking, Global Checking (ATM fee refunds), Maximizer Checking (interest-bearing), Traditional Checking (paper statements), and Varsity Checking (for students ages 14-21).
• Personal Savings Accounts Savings products including standard savings, Certificates of Deposit, Health Savings Accounts, IRAs (Traditional and Roth), Looney Tunes Savings Club (for children 13 and under), and Varsity Savings (for teens 13-22).
• Home Equity Line of Credit (HELOC) Interest-only home equity line of credit with 10-year term and variable rate based on WSJ Prime and credit score, allowing borrowing of 65-85% of home equity with minimum loan of $10,000.
• In-House Mortgages Fixed-rate conventional conforming mortgage loans (10-year, 15-year, or 7/30 balloon) retained and serviced at First Fidelity Bank, with minimum loan of $50,000 and maximum of $832,750, and a $799 origination fee.
• Credit Builder Loan Loan designed to help customers build credit history; the loan amount is placed in a savings account with a hold until the loan is paid off, then funds are released to the borrower.
• uChoose Rewards Points-based rewards program for debit and credit card purchases; earn 1 point per $3 on signature transactions and 1 point per $6 on PIN-based transactions, redeemable for merchandise, gift cards, and travel.
• Mobile Deposit Check deposit service allowing customers to deposit checks using iOS or Android devices via the GoBankFFB mobile app, eliminating bank visits and deposit slips.
• Instant Issue Debit Cards On-demand debit card issuance enabling immediate activation and use of new or replacement cards at any branch location without waiting for mail delivery.
• Small Business Loans Business lending solutions including Small Business Loans and Small Business Line of Credit with revolving credit for purchases, cash flow management, and emergency funding.
• Commercial Banking Commercial banking services including Commercial Checking, Commercial Loans, Commercial Savings, and Treasury Services designed for companies across various industries.
• Wealth Management (First Fidelity Financial Group) Wealth management services offered through First Fidelity Financial Group (FFFG) including investment planning, personal insurance, and retirement planning solutions.
• Real-Time Fraud Alerts Real-time fraud monitoring system allowing customers to immediately confirm or deny suspicious debit card transactions via text, protecting against fraud without deactivating the card.
• Pocket Your Change Automatic savings tool that sweeps a chosen amount into the customer's savings account with each transaction, helping customers save without effort.

Quantifiable outcome

• 3,117 PPP loans worth $272 million approved during pandemic
• +2 more outcomes

Named customers2 records

Segments6 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability5 records

Feature4 records

Partnerships

Six partnerships are on record, tiered core and minor.

• Bud FinancialcoreTechnology or Integration · 24 February 2026First Fidelity Bank partnered with UK-based fintech Bud Financial to upgrade its digital banking platform. The bank launched Bud's 'Enrich' and 'Engage' solutions, which transform raw transaction data into actionable insights powering embedded Personal Financial Management widgets including weekly summaries, spending analysis, balance tracking, financial calendars, and spending budgets. Bud Financial, a subsidiary of Anheuser-Busch InBev, counts Fruition and HSBC among its previous clients.
• United WaycoreStrategic or Co-development PartnerFirst Fidelity Bank is a proud supporter of United Way in each community they serve. The bank runs an annual Pacesetter Campaign that starts early and sets the tone for thousands of workplace campaigns each fall, raising funds for local programs addressing critical community needs.
• KFOR-TV News Channel 4minorGTM or Marketing PartnerFirst Fidelity Bank sponsors KFOR-TV News Channel 4's Pay It 4Ward program, which allows viewers to nominate deserving community members who have fallen on hard times or are making a positive impact. Each week, nominees receive $400 cash.
• The Alliance for Economic DevelopmentminorStrategic or Co-development PartnerDuring the COVID-19 pandemic, First Fidelity Bank partnered with The Alliance to help over 1,000 businesses with over $37 million in emergency support, benefiting more than 6,800 local employees.
• University of Oklahoma Price College of BusinesscoreStrategic or Co-development PartnerFirst Fidelity Bank has been the sole sponsor of the OU Integrated Business Core (IBC) program since its creation in 1995. The bank loans money to student companies, offers feedback on business proposals, and has donated $970,000 over 30 years. The program has produced 195 companies, $1.8 million in charity donations, and 118,000 community service hours.
• Oklahoma Celtic and Edmond Soccer ClubminorGTM or Marketing PartnerFirst Fidelity Bank sponsors Oklahoma Celtic and Edmond Soccer Club, supporting over 4,300 athletes and bringing together kids of all backgrounds and skill levels.

Scale indicators13 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• BancFirst Corporation: Oklahoma-headquartered community bank with comparable consumer, small business, and commercial banking products across a multi-branch regional footprint. Highly comparable in customer mix (mass-market consumer + SMEs), geographic overlap (OK-heavy), and product breadth including treasury and digital services.
• Arvest Bank: Privately held regional community bank operating across Oklahoma, Arkansas, Missouri, and Kansas with similar consumer and small business banking products. Closely comparable scale, ownership structure (private), and relationship-banking model with a strong digital channel overlay.
• Glacier Bancorp: Multi-state community bank holding company operating bank subsidiaries across the Western and Mountain West U.S., directly comparable to First Fidelity's OK/AZ/CO footprint strategy. Similar community-bank acquisition model and full-service consumer/commercial product set.
• Independent Bank Group: Texas-based community bank holding company with comparable multi-branch consumer and commercial banking across growth markets in the South/Southwest. Similar scale and product mix, including deposit gathering and small business lending.
• CVB Financial: California-based community bank (Citizens Business Bank) operating consumer, commercial, and small business banking with similar relationship-banking model. Comparable in scale and customer-segment focus on professionals and small-to-mid businesses.
• First Financial Bancorp: Ohio-headquartered community bank with comparable consumer and commercial product breadth including treasury, lending, and wealth management. Closely comparable scale and full-service community banking value proposition.
• Simmons First National Corporation: Arkansas-based regional community bank with consumer, small business, and commercial banking across multiple Southern and Midwestern states. Comparable scale, multi-channel distribution, and acquisitive growth profile.
• Cadence Bank: Mid-sized regional bank serving consumer, small business, and commercial clients across the South and Southwest. Overlapping product set (deposits, treasury, lending) and geographic overlap in Texas/Arizona markets.
• Bell Bank: Privately held regional community bank with full-service consumer, commercial, and wealth management across the Upper Midwest and select Southwestern markets. Comparable in private ownership, relationship-banking orientation, and breadth of community investment programs.

Broad incumbents

• BOK Financial: Larger Oklahoma-based commercial bank offering consumer, small business, commercial, and wealth management across multiple states. Functions as a broader incumbent in the same primary geography, competing for the same SME and commercial relationships but with a much larger balance sheet and capital markets capabilities.

Market position

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/bankffb
• YouTubeyoutube.com/channel/UChL1gN6siNL7n8rk2bmoZEw
• Facebookfacebook.com/bankffb
• LinkedInlinkedin.com/company/bankffb
• Instagraminstagram.com/gobankffb

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about First Fidelity Bank