Midwest City, OK · Cert 16127 · First Midwest Acquisition Corp.
State charter, Fed member · FED · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks under $1B in assets in the Oklahoma City, OK area (n=25). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
73
Asset Quality
24
Profitability
43
Liquidity
41
Efficiency
32
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Midwest City, OK · Cert 16127 · First Midwest Acquisition Corp.
State charter, Fed member · FED · 7 branches
Q2 2026
Market Position · Oklahoma City, OK · 2026 SOD (annual) · 0.7% share · #25 of 71 inst. · $0.4B of $60.8B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.48% | 0.55% | 0.54% | 0.60% | 0.59% | 0.58% | 0.79% | 0.89% | +29 bps | |
| Return on Equity | 6.54% | 7.25% | 6.19% | 6.79% | 6.60% | 6.39% | 8.31% | 9.37% | +257 bps | |
| Net Interest Margin | 3.14% | 3.38% | 3.22% | 3.28% | 3.33% | 3.36% | 3.45% | 3.61% | +33 bps | |
| Efficiency Ratio | 80.09% | 79.36% | 81.63% | 79.52% | 77.85% | 77.77% | 76.61% | 75.39% | -413 bps | |
| Non-Interest Burden | 2.38% | 2.54% | 2.55% | 2.52% | 2.47% | 2.49% | 2.52% | 2.58% | +7 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.24% | -11.95% | -6.34% | -6.84% | 1.68% | 6.27% | 2.89% | 1.28% | +811 bps | |
| Loan Growth (YoY) | 2.92% | 2.01% | -0.32% | -3.63% | -4.26% | 1.25% | 5.90% | 14.00% | +1,763 bps | |
| Deposit Growth (YoY) | -3.60% | -5.36% | 1.59% | 2.42% | 5.80% | 5.70% | 2.04% | 0.44% | -198 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 3.67% | 3.01% | 2.75% | 3.04% | 3.32% | 3.38% | 2.67% | 2.35% | -69 bps | |
| Net Charge-Offs / Loans | -0.01% | -0.01% | 1.48% | 0.75% | 0.50% | 0.36% | 0.00% | 0.34% | -41 bps | |
| Allowance / Loans | 2.33% | 2.40% | 2.13% | 2.18% | 2.16% | 2.12% | 2.11% | 1.84% | -34 bps | |
| Allowance Coverage of NPLs | 0.6x | 0.8x | 0.8x | 0.7x | 0.7x | 0.6x | 0.8x | 0.8x | +0.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.93% | 10.89% | 10.62% | 10.54% | 10.64% | 10.72% | 10.48% | 10.54% | 0 bps | |
| Total Risk-Based Capital | 18.21% | 18.73% | 20.01% | 19.33% | 19.10% | 18.43% | 18.61% | 17.35% | -198 bps | |
| Equity / Assets | 8.89% | 8.78% | 8.72% | 8.98% | 9.47% | 9.54% | 9.39% | 9.67% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 70.87% | 68.93% | 61.80% | 62.30% | 64.13% | 66.03% | 64.13% | 70.71% | +841 bps | |
| Liquid Assets / Assets | 0.53% | 0.80% | 4.60% | 7.10% | 6.44% | 5.47% | 7.87% | 1.56% | -554 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 292% | 315% | 313% | n/a | n/a | |
Midwest City, OK · Cert 16127 · Peer group: banks under $1B in assets in the Oklahoma City, OK area (n=25) · First Midwest Acquisition Corp.
State charter, Fed member · FED · 7 branches
Q2 2026
Return on Assets
0.90%
Rank 14 of 25
Net Interest Margin
3.61%
Rank 17 of 25
Efficiency Ratio
75.39%
Rank 18 of 25
Equity / Assets
9.67%
Rank 15 of 25
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.90% | 0.60% | 0.90% | 1.27% | Beats 44% | 14 / 25 | ||
| Return on Equity | 9.31% | 6.92% | 9.16% | 13.29% | Beats 52% | 12 / 25 | ||
| Net Interest Margin | 3.61% | 3.56% | 3.82% | 4.10% | Beats 32% | 17 / 25 | ||
| Efficiency Ratio | 75.39% | 56.35% | 63.12% | 79.22% | Beats 32% | 18 / 25 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 2.35% | 0.33% | 0.76% | 2.35% | Beats 28% | 19 / 25 | ||
| Net Charge-Offs / Loans | 0.17% | n/a | 0.00% | 0.05% | Beats 20% | 21 / 25 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 16.09% | 10.27% | 12.02% | 13.99% | Beats 88% | 3 / 25 | ||
| Total Risk-Based Capital Ratio | 17.35% | 10.27% | 12.44% | 15.25% | Beats 92% | 2 / 25 | ||
| Equity / Assets | 9.67% | 8.64% | 10.07% | 11.05% | Beats 40% | 15 / 25 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 70.71% | 70.71% | 82.03% | 97.03% | 24th pctl | 19 / 25 | ||
| Loans / Assets | 63.36% | 62.67% | 74.54% | 84.24% | 28th pctl | 18 / 25 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||