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MidFirst Bank

$10B-$250B Specialty: Commercial OK FDIC cert 4063

Oklahoma City, OK

94 branches across OK · AZ · TX · CA · CO · NV · UT

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 139 banks in the $10B-$250B peer group nationwide — 1 of 4 in OK.
  • Deposits +2.4% year over year ($25.3B on the books).
  • Delinquency rate 18.43%.
  • Return on assets 1.46%.
  • Efficiency ratio 52.70% vs a 53.67% peer average.
  • Loan-to-deposit ratio 131.50% vs a 82.61% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

139 banks in the $10B-$250B peer group nationally 4 in OK
View $10B-$250B leaderboard (OK) →

MidFirst Bank has 2 strengths but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + ROA 0.07% above tier average
  • + Efficiency Ratio 0.97% below tier average

Key Concerns

Areas that may need attention

  • - Liquidity Overhang: Bottom 18.2% in tier
  • - Delinquency Rate 17.41% above tier average
  • - Nonperforming Asset Ratio 13.67% above tier average
  • - Net Interest Margin 0.89% below tier average
Get updates when MidFirst Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Total Assets ? $42.8B
+5.9% YoY +1.7% QoQ
-$767.5M $43.6B
-13.8% YoY
$1.3B
+6.0% YoY
$6.3B
+7.7% YoY
73%
Total Loans ? $33.3B
+1.7% YoY -0.2% QoQ
+$5.3B $28.0B
-8.6% YoY
$835.5M
+7.1% YoY
$3.2B
+9.4% YoY
77%
Total Deposits ? $25.3B
+2.4% YoY +2.6% QoQ
-$10.1B $35.4B
-14.0% YoY
$967.8M
+5.8% YoY
$4.9B
+7.3% YoY
63%
Return on Assets ? 1.46%
+23.2% YoY +5.3% QoQ
+0.07% 1.39%
+25.9% YoY
1.35%
+7.7% YoY
1.30%
+12.1% YoY
68%
Net Interest Margin ? 3.03%
+7.0% YoY +2.9% QoQ
-0.89% 3.92%
+8.9% YoY
4.27%
+1.9% YoY
3.95%
+4.9% YoY
21%
Efficiency Ratio ? 52.70%
-7.4% YoY -2.1% QoQ
-0.97% 53.67%
-1.9% YoY
64.81%
-3.0% YoY
70.05%
+2.5% YoY
59%
Delinquency Rate ? 18.43%
+40.7% YoY -5.9% QoQ
+17.41% 1.01%
-2.8% YoY
1.78%
+23.7% YoY
0.98%
+16.3% YoY
Bottom 0.7% in tier
Loan-to-Deposit Ratio ? 131.50%
-0.7% YoY -2.7% QoQ
+48.89% 82.61%
+3.1% YoY
74.14%
+1.3% YoY
79.03%
+2.3% YoY
Bottom 2.2% in tier
Non-Interest-Bearing Deposit Share ? 19.06%
+5.8% YoY -0.7% QoQ
-1.52% 20.58%
+4.9% YoY
23.91%
-1.8% YoY
21.98%
-0.6% YoY
33%
Nonperforming Asset Ratio ? 14.40%
+35.4% YoY -7.4% QoQ
+13.67% 0.73%
+5.8% YoY
1.24%
+23.1% YoY
0.69%
+15.8% YoY
Bottom 0.7% in tier
Tier 1 Capital Ratio ? 18.23%
+2.7% YoY -1.1% QoQ
+2.88% 15.35%
-0.4% YoY
14.18%
-3.9% YoY
17.09%
+0.8% YoY
Top 10.1% in tier
Non-Interest Income / Assets ? 0.23%
+26.8% YoY +109.0% QoQ
-0.26% 0.50%
+10.5% YoY
0.31%
-11.7% YoY
0.66%
+5.2% YoY
29%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Noninterest-Bearing 19.1%
+1.1pp YoY
-0.1pp QoQ
 -2.0pp 21.0% 23.9% 22.2% 31%
Brokered Deposits 0.0%
-6.8pp YoY
-1.7pp QoQ
 -9.2pp 9.2% 9.7% 8.5% 2%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
C&I 7.7%
+0.5pp YoY
+0.1pp QoQ
 -9.5pp 17.2% 15.7% 12.5% 12%
CRE 27.8%
0.0pp YoY
+0.5pp QoQ
 -14.2pp 42.0% 42.0% 41.4% 23%
1-4 Family 64.5%
-0.5pp YoY
-0.7pp QoQ
 +41.4pp 23.1% 24.0% 31.3% 97%
Consumer 0.5%
0.0pp YoY
0.0pp QoQ
 -12.4pp 12.9% 5.6% 5.0% 24%

Capital

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
CET1 Ratio 18.2%
+0.5pp YoY
-0.2pp QoQ
 +3.0pp 15.3% 17.0% 19.7% 89%
Leverage Ratio 9.0%
+0.2pp YoY
-0.1pp QoQ
 -1.4pp 10.4% 11.7% 12.6% 16%
Total Capital Ratio 19.5%
+0.5pp YoY
-0.2pp QoQ
 +3.0pp 16.5% 18.2% 20.8% 90%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Full-Time Employees 3,352
+34 (+1.0%) YoY
+28 (+0.8%) QoQ
 +94 3,258 150 482 73%
Assets per Employee ($) $12.8M
+4.8% YoY
+0.9% QoQ
 -$14.2M $27.0M $6.5M $8.8M 54%
Branch Count 93
0 YoY
0 QoQ
 -45 137 8 18 54%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
Past Due 90+ Days 18.0%
+5.3pp YoY
-1.0pp QoQ
 +17.5pp 0.4% 0.9% 0.4% 99%
Nonaccrual 0.5%
+0.1pp YoY
-0.2pp QoQ
 -0.2pp 0.7% 1.5% 1.0% 36%
Allowance Coverage 0.04x
-32.4% YoY
+3.0% QoQ
 -2.78x 2.81x 61.99x 20.23x 0%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.4pp 0.4% 0.2% 0.2% 27%

Profitability

Metric Current vs Tier Tier Avg State Avg (OK) National Avg Tier Percentile
ROE 15.1%
+2.7pp YoY
+0.7pp QoQ
 +2.5pp 12.6% 11.9% 11.6% 75%
Cost of Funds (YTD) 2.6%
-0.1pp YoY
0.0pp QoQ
 +0.6pp 2.0% 1.8% 1.7% 81%
Net Income ($, YTD) $307.0M
+30.7% YoY
— QoQ
 +$10.2M $296.8M $8.7M $40.4M 73%

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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Liquidity Overhang

risk
#5 of 22 • Bottom 18.2% in tier

Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.

Why this signature
Tier 1 Capital Ratio: 18.23%
(Tier: 15.35%, National: 17.09%)
better than tier avg
Loan-to-Deposit Ratio: 131.50%
(Tier: 82.61%, National: 79.03%)
worse than tier avg
22 of 22 Large banks match · 940 nationally
→ Stable +7 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 139 peers in $10B-$250B

Top Strengths (2 metrics)

15
Tier 1 Capital Ratio
capital
Value: 18.23%
Peer Median: 15.35%
#15 of 139 Top 10.1% in $10B-$250B
33
Total Loans
size
Value: $33.31B
Peer Median: $27.97B
#33 of 139 Top 23.0% in $10B-$250B

Top Weaknesses (4 metrics)

139
Nonperforming Asset Ratio
credit_quality
Value: 14.40%
Peer Median: 0.73%
#139 of 139 Bottom 0.7% in $10B-$250B
138
Delinquency Rate
credit_quality
Value: 18.43%
Peer Median: 1.01%
#138 of 138 Bottom 0.7% in $10B-$250B
137
Loan-to-Deposit Ratio
liquidity
Value: 131.50%
Peer Median: 82.61%
#137 of 139 Bottom 2.2% in $10B-$250B
111
Net Interest Margin
profitability
Value: 3.03%
Peer Median: 3.92%
#111 of 139 Bottom 20.9% in $10B-$250B
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