BlastPoint's Banking Scorecard
MidFirst Bank
Oklahoma City, OK
94 branches across OK · AZ · TX · CA · CO · NV · UT
MidFirst Bank has 2 strengths but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.11% above tier average
- + Efficiency Ratio 0.15% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 16.7% in tier
- - Delinquency Rate 18.56% above tier average
- - Nonperforming Asset Ratio 14.83% above tier average
- - Net Interest Margin 0.83% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$42.1B
+6.6% YoY
+1.8% QoQ
|
-$4.9B |
$47.0B
-1.9% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.1% YoY
|
72% |
| Total Loans ? |
$33.4B
+3.2% YoY
+5.1% QoQ
|
+$4.0B |
$29.4B
-0.4% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.8% YoY
|
76% |
| Total Deposits ? |
$24.7B
+1.5% YoY
+0.5% QoQ
|
-$13.7B |
$38.4B
-1.6% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.2% YoY
|
60% |
| Return on Assets ? |
1.39%
+26.4% YoY
+16.9% QoQ
|
+0.11% |
1.28%
+18.7% YoY
|
1.34%
+7.6% YoY
|
1.23%
+13.4% YoY
|
68% |
| Net Interest Margin ? |
2.95%
+5.4% YoY
+2.0% QoQ
|
-0.83% |
3.77%
+5.8% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
23% |
| Efficiency Ratio ? |
53.86%
-6.8% YoY
-5.7% QoQ
|
-0.15% |
54.01%
-3.7% YoY
|
65.16%
-1.8% YoY
|
66.95%
-4.1% YoY
|
59% |
| Delinquency Rate ? |
19.57%
+33.8% YoY
+31.8% QoQ
|
+18.56% |
1.02%
-3.8% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 0.7% in tier |
| Loan-to-Deposit Ratio ? |
135.20%
+1.6% YoY
+4.6% QoQ
|
+54.41% |
80.79%
+1.9% YoY
|
73.83%
+1.6% YoY
|
76.70%
+0.9% YoY
|
Bottom 1.5% in tier |
| Non-Interest-Bearing Deposit Share ? |
19.19%
+7.8% YoY
+5.4% QoQ
|
-0.85% |
20.04%
+0.2% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.2% YoY
|
37% |
| Nonperforming Asset Ratio ? |
15.55%
+29.5% YoY
+36.0% QoQ
|
+14.83% |
0.72%
+4.2% YoY
|
1.12%
+15.3% YoY
|
0.67%
+19.3% YoY
|
Bottom 0.7% in tier |
| Tier 1 Capital Ratio ? |
18.43%
+3.1% YoY
-0.6% QoQ
|
+2.91% |
15.51%
-0.4% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Top 10.2% in tier |
| Non-Interest Income / Assets ? |
0.11%
+29.9% YoY
-66.1% QoQ
|
-0.11% |
0.22%
+0.3% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.1% YoY
|
32% |
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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 (1)
Liquidity Overhang
riskExceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.